Courtesy Car scratches

andersonchenghy

Hi there,

i have recently been given a courtesy car by my insurance company, which I got the car from Enterprise.
While driving today, a motorcycle on the opposite lane, decided that it was a good idea to skip traffic by driving in my lane (it was a 1 lane road, with 2 lanes in total going opposite directions)

Luckily we have a dashcam footage of the whole incident. So in this case, whose fault is this? And should I raise this up to my insurance company or trying to fix the scratch mark itself ? The mark is around 30cm in total on the driver door side.

thanks

andersonchenghy

Would it be wise to post the dashcam footage onto here? Or will that affect my claim with the insurance company ?

Warwick_Hunt

Have you got the registration number of the bike?

andersonchenghy

No I do not, as the bike is coming towards me, I do however have the exact location and the time of the incident

Car_54

andersonchenghy wrote: »

No I do not, as the bike is coming towards me, I do however have the exact location and the time of the incident

How will that help the insurer to recover the repair costs? That's what determines "fault".

You need to clarify whose insurance was covering you - your own or the hire company - and notify them.

TonyMMM

First - you need to report the accident to the police (to comply with the law)

andersonchenghy

Car_54 wrote: »

How will that help the insurer to recover the repair costs? That's what determines "fault".

You need to clarify whose insurance was covering you - your own or the hire company - and notify them.

This will be my own insurance comapny, could I notifi them, then give them the footage for them to determine who is at fault and decide to claim it or not ?

Car_54

andersonchenghy wrote: »

This will be my own insurance comapny, could I notifi them, then give them the footage for them to determine who is at fault and decide to claim it or not ?

They can watch the footage until the cows come home, but unless they can identify the rider and recover their costs it will be treated as a "fault" accident.

I'd let the insurers deal with it - arranging your own repairs to a hire vehicle is unlikely to end well. In any event, if you read the hire car contract you're almost certainly obliged to inform them of the damage.

andersonchenghy

Car_54 wrote: »

They can watch the footage until the cows come home, but unless they can identify the rider and recover their costs it will be treated as a "fault" accident.

I'd let the insurers deal with it - arranging your own repairs to a hire vehicle is unlikely to end well. In any event, if you read the hire car contract you're almost certainly obliged to inform them of the damage.

Thank you very much , i guesss i will let the insurance company know, worse off is me dealing the payment for the damages with Enterprise it self, hopefully that would be lower than the excess fee I have on my insurance.

CardinalWolsey

Dealing directly with Enterprise is almost certain to _not_ be cheaper than the excess on your insurance - because Enterprise will also charge you for the time that they are unable to rent the car out, in addition to the repair cost itself (although in reality Enterprise would charge you and never actually get the repair done). You are obliged to inform your own insurer anyway - so regardless of whether you claim through them or not, it will be a declarable incident.

andersonchenghy

CardinalWolsey wrote: »

Dealing directly with Enterprise is almost certain to _not_ be cheaper than the excess on your insurance - because Enterprise will also charge you for the time that they are unable to rent the car out, in addition to the repair cost itself (although in reality Enterprise would charge you and never actually get the repair done). You are obliged to inform your own insurer anyway - so regardless of whether you claim through them or not, it will be a declarable incident.

Thanks, will raise it to my insurance company