Neighbour's Wheelie Bin Damaged my Car

MercOwner

Well, I've just sent them a letter enclosing the repair bill for the car. It was £539.95 in the end, as they had to do some respraying, so not a cheap job. We'll see what happens now. The car is only covered for third party, so there's no reason for them to get involved - they're not going to pay out anyway. The neighbours house insurance can deal with it.

picardygirl

You've only got third party insurance on your own car???? No wonder you want someone else to blame!

Sorry, but i agree with everybody else (bar one) on here !

Try "Judge Rinder" (ITV afternoons), he's always good for a laugh!

rs65

MercOwner wrote: »

I don't see why I should have to claim off of my insurance

MercOwner wrote: »

but it's a pain to lose my NCD!

MercOwner wrote: »

The car is only covered for third party

No need to worry about losing your NCD then.

Rossim1985

MercOwner wrote: »

They're quite young, so I don't think they'll have much experience with legal matters and hopefully the threat of going to court will make them think it's worth paying. If they ignore it, they ignore it, but I don't think they will somehow.

Well what a nice person you are!

Most young people are fairly internet savvy. I'm quite sure when they receive your bill for £539.95 for repairs on a Mercedes next door they would type something like this into Google when they look for advice; "neighbours car damaged by my wheelie bin". Upon doing so they'll find this thread (it's on the first page of results), and they will see the ridiculous comments you've made like the above, plus the fact that you've ignored the advice of 95% of the thread contributors.

MercOwner wrote: »

Well, I've just sent them a letter enclosing the repair bill for the car. It was £539.95 in the end, as they had to do some respraying, so not a cheap job. We'll see what happens now. The car is only covered for third party, so there's no reason for them to get involved - they're not going to pay out anyway. The neighbours house insurance can deal with it.

Hahahahahahahah now it's so obvious why you choose to ignore the good advice given, you don't have comprehensive cover! The difference is usually in the tens rather than hundreds of pounds these days for most cars, so you're a fool for not having it. Clearly as you are prepared to fix a dent on the car I'll assume it's not a £500 20 year old banger, so why on earth have you not got comprehensive cover?! How much is the car worth? If someone wrote off your car in a smash, could you afford to lose that amoutn of cash?!?

The neighbours house insurance is going to do absolutely nothing with your bill unless you make a formal claim holding them liable for your (uninsured) loss. However as stated by dozens of others on this thread, the chances of you being able to prove negligence on your neighbours part be it with their insurers or in court is virtually nil.

Sometimes s#*t happens, that's what insurance is for, but unfortunately YOU failed to insure yourself adequately for the unfortunate s#*t that happened, and that's YOUR fault, not anyone else's.

Lets hope that your neighbours find this thread so they can see the sort of person that you are.

Keep_pedalling

A man who thinks so little of his car that he only insures it TP, yet is prepared to wreck any chance of having a good relationship with new neighbours because of it gets a totally accidental ding from a bin.

If I was them the only action I would take is to sent you a 2 word reply to your letter.

System

One lesson that emerges is that a Mercedes has very poor bodywork, damaged by nothing more than a plastic wheelie-bin falling over against it.
Probably it's not possible anyway to get comprehensive cover on such a vulnerable car. Get a Volvo next time and you can shunt wheelie-bins out of the way if they bother you.

Aretnap

None of this actually happened, did it?

marleyboy

MercOwner wrote: »

Well, I've just sent them a letter enclosing the repair bill for the car. It was £539.95 in the end, as they had to do some respraying, so not a cheap job. We'll see what happens now. The car is only covered for third party, so there's no reason for them to get involved - they're not going to pay out anyway. The neighbours house insurance can deal with it.

I suspect your just making this up as you go along now, perhaps its time to give MSE a break, there is no point adding onto a make believe once exposed to be one.

rs65

marleyboy wrote: »

NCD with Third party?

Nothing wrong with that.

marleyboy

True, just the whole scenario.