Car accident

lee678

chris.mitchell wrote: »

The problem is he is claiming that this accident caused this damage to his car. We've both been in contact with our insurance companies, just wondering if anyone has any advice they can give?

yes, leave it to insurance company, sorry but youve hit it, leave it to the "experts" the other side probably has his courtesy car already .

lee678

chris.mitchell wrote: »

Apparently I will have to give him £1,500 to buy a new car

not your insurance company ? ignore all future correspondence from him, let insurance deal with it and tell him to...................

chris.mitchell

lee678 wrote: »

not your insurance company ? ignore all future correspondence from him, let insurance deal with it and tell him to...................

thats why I don't understand why he is saying that I will have to pay for him to have a new car. Where he got the £1500 from I don't know.

I think I'll just block his number and let the insurance deal with it

lee678

chris.mitchell wrote: »

thats why I don't understand why he is saying that I will have to pay for him to have a new car. Where he got the £1500 from I don't know.

I think I'll just block his number and let the insurance deal with it

put his reg number into mid check , he may not be insured at all.

Mr.Generous

google an insurance term called "betterment" - if the only repair they could do would put his car in better condition than pre accident he will get a charge from them towards the cost.

Definition:

A provision, often found in the physical damage section of automobile insurance policies, which stipulates that if the repair or replacement of the damaged parts results in better than "like kind or quality," the insurers will not pay for this net improvement. This clause is designed to preserve the concept of indemnity so the insured does not profit from the loss when the circumstances are such that it is impossible for the insurer to repair or replace the property without bettering the insured's position.

prowla

You have photos of your car too?

Tell your insurance company you have the photos and they will see the preexisting damage and be able to assess whether the speed was enough to cause injury based on the minimal damage to your car.

Tell the other person to direct all further contact to your insurance; you are not liable to them (that's why you have insurance!).

Your liability is the excess on your insurance policy.

Strider590

Your ins will make sure that only the damage you caused will be fixed, these days they do a localised smart repair. This person is going to be very disappointed.

Marvel1

chris.mitchell wrote: »

thats why I don't understand why he is saying that I will have to pay for him to have a new car. Where he got the £1500 from I don't know.

I think I'll just block his number and let the insurance deal with it

Chances are he knows he won't get much for it, and has given a high random number for you to pay out of your own pocket - don't.

Strider590

Given this persons dishonesty I would personally be somewhat inclined to claim they hit me and then go for a whiplash claim myself, along with all 8 family members that were in my car at the time............ People like this guy p1ss me off so much.

Retrogamer

Whether he claims for a scratched bonnet, or claims for extensive front end damage, your insurance is likely to raise the same amount either way.