Advice needed please - honesty over accident

ally18

Hi, could someone help urgently please as we dont know what to do next with our problem.
My daughter had a slight accident in a car park causing some scratches to a car so she left her name and tel number on the windscreen as she wanted to be honest and own up. A week later we hear from the other owner who immediately wants insurance details.
The concern we have is that the other car was already damaged in other areas, my daughter took photos of the damage she caused though.
My daughter is in her first year of driving, her renewal comes up soon so obviously we were hoping we could sort this out without involving the insurance company. We explained this to the owner and asked if he would get a quote and we would pay for the repair.
Well we have now had the quote and we said we would pay, but asked the owner to provide us with the invoice and a photo of the completed work. He has become annoyed at this, said no and insists on using insurance which will cost my daughter more.
Have we gone about this wrongly? We just wanted to have proof that my daughter was not paying him for the other damage she wasnt responsible for. Should we tell her insurance company now?
Thanks

ChumLee

Yes, you can't force the innocent third party into having the repair done for cash. If he's asking for insurance details she must provide them before she commits any further offences.

arcon5

ChumLee wrote: »

Yes, you can't force the innocent third party into having the repair done for cash. If he's asking for insurance details she must provide them before she commits any further offences.

What offence has she committed?

ally18

We only heard from the person today hence it not being reported to the insurance company immediately.
There was no damage to her car, so no claim to be made by us. Does her excess still have to be paid?

arcon5

Granted it could be seen as prudent to see proof, the sad fact is you are not in a strong position here.

Your options really boil down to this:

pay the money to them, ask for a receipt and do not insist on an invoice for the work done

give them the insurance details (which incidentally they can get themselves online anyway) and repay your insurer - who may not get the repair done at a 'local' rate

give them insurance details and forget about it (very very costly if she's a young driver with a claim to declare in her first year)

Car_54

1. She is not obliged to provide her insurance details, but if she doesn't they will pursue her through the courts. That's what she's paying the insurers for!

2. However, she is obliged to tell her insurance company..

So .... I'd suggest she tells her insurer and let them deal with it.

Rolandtheroadie

How much was the quote?

ally18

Will she be charged her excess?

ally18

Quote £325 which we were willing to pay. We just wanted to make sure her damage was repaired thats why we asked for the photo and a copy of the paid invoice.

ChumLee

Car_54 wrote: »

1. She is not obliged to provide her insurance details, but if she doesn't they will pursue her through the courts. That's what she's paying the insurers for!

2. However, she is obliged to tell her insurance company..

So .... I'd suggest she tells her insurer and let them deal with it.

I think if you check the road traffic act she is as they're asking for it. Or else your comment about pursuing her through the court is irrelevant.

ChumLee

ally18 wrote: »

Will she be charged her excess?

No, only if she claims for her damage.