In two minds whether to go through insurance after being hit.

peter12345678910

It depends the insurance company will buy an oem mirror and maybe a dealer to install so the cost could go over £500, whereas an oem second hand mirror unit will be less than £40 if it does not have indicator lights, heater, or electronic folding.

But you could just replace the broken mirror for a few quid and move on to problem no. 2 your next mot, Good luck with a £500 car.

Quentin

Have you considered another route?

Inform your insurer about the incident then claim directly from the third party insurer

If they decide to write off the car they will let you keep it for a small deduction from the settlement figure

foxy-stoat

What car is it - make/model/year?

Have you actually found out the price of a wing mirror, new from a dealer and a secondhand one off ebay (if you can get a colour match?

No problem at all with claiming off the third party insurers for a cash in lieu of repair and using it to buy a secondhand wing mirror for your secondhand car.

Inform your insurers for information only, unlikely they will increase your premium at renewal because of a non fault accident and if they do it will be a 10er or there abouts. Shop around any way.

Now for your concerns;

No insurance company in the land will write off your car for a wing mirror.

You will have to declare the incident as a non fault claim for the next 5 years yes, so what?

You will have to declare a lot of things for the next 5 years, whats the problem with declaring this loss. You have had a loss by they way and that became a material fact the moment the other driver hit you, but as you say they have not got your registration number only your name and email address so it may or may not be in "the system", unless the system can link your details by your name and email address that your insurers currently hold. Not sure it is going to be worth the risk, and as they are not disputing the fact they hit you, you should get paid for the damage.

Bigphil1474

OP, I had my wing mirror knocked off last year by some idiot who drove too close whilst I was parked up. I got it fixed myself, insurance weren't notified, so it never happened. It was about £150 for a replacement, but it was a leccy wing mirror with built in indicator on a 10 year old Fiesta. If it was me, I'd just get it fixed, and forget the insurance altogether.

Quentin

Bigphil1474 wrote: »

OP, I had my wing mirror knocked off last year by some idiot who drove too close whilst I was parked up. I got it fixed myself, insurance weren't notified, so it never happened. It was about £150 for a replacement, but it was a leccy wing mirror with built in indicator on a 10 year old Fiesta. If it was me, I'd just get it fixed, and forget the insurance altogether.

Making a claim against your own policy over £150 would be pointless. Bearing in mind excess,/loss of NCD/future premiums loaded

But different circs here

Op knows who did the damage

You can see what difference a no fault claim ( which is what the OPs will be if he/she claims off the third party insurer) will make by doing dummy quotes online with and without the no fault claim in your history)

If it makes any difference at all it still won't be cost effective to pay out £150 of his own money!

snilloct1957

Quentin wrote: »

Have you considered another route?

Inform your insurer about the incident then claim directly from the third party insurer

If they decide to write off the car they will let you keep it for a small deduction from the settlement figure

More than twenty years ago I had my car (Vauxhall Chevette) "written off" by a lorry driver's insurance company when he ripped the rear bumper from my vehicle. They decided it would cost more to repair than the value of the car (£300), so they paid me £275 (less £25 for scrap value) and I was happy to walk away. I repaired the bumper myself and drove it around until the MOT expired.

Similarly, a few months back, the door mirror on my 03 plate Renault Megane Scenic was damaged, don't know how. I found a generic replacement online for less than £35, sprayed it up with a rattle can and I'm happy it's not an MOT failure item to replace it with a non-standard part. I think you're over-thinking this. Ask the other driver to fund a replacement outside insurance company jurisdiction and see what they say.

Quentin

How is my advice "over thinking"

You report success doing exactly as I advised

Your other suggestion to enter into a conspiracy with the third party carries unnecessary ridks!

TooManyPoints

Then, of course, there is the matter of S170 of the Road Traffic Act:

170 Duty of driver to stop, report accident and give information or documents.

(1)This section applies in a case where, owing to the presence of a mechanically propelled vehicle on a road or other public place, an accident occurs by which—

(a)personal injury is caused to a person other than the driver of that mechanically propelled vehicle, or

(b)damage is caused—

(i)to a vehicle other than that or a trailer drawn by that mechanically propelled vehicle, or

(ii)to an animal other than an animal in or on that mechanically propelled vehicle or a trailer drawn by that mechanically propelled vehicle, or

(iii)to any other property constructed on, fixed to, growing in or otherwise forming part of the land on which the road or place in question is situated or land adjacent to such land.

(2)The driver of the mechanically propelled vehicle must stop and, if required to do so by any person having reasonable grounds for so requiring, give his name and address and also the name and address of the owner and the identification marks of the vehicle.

(3)If for any reason the driver of the mechanically propelled vehicle does not give his name and address under subsection (2) above, he must report the accident.

(4)A person who fails to comply with subsection (2) or (3) above is guilty of an offence.

So, do you know that no damage was sustained to the other vehicle? If you do you're OK. If you don't you should have reported the matter (and so should the other party if he was aware of the collision).

Not doing the right thing is all fair and dandy when there are no complications. But there sometimes are - usually unforeseen - complications. Hence my first post. You don't know what is likely to be claimed by the Third Party once he's had a day or two to collude with his company and you may well be able to defend any claims against you courtesy of the evidence you have. But to do so will cost you time and money. That's one of the reasons you pay for insurance. Of course it's your call but I know what I would do.

Ganga

If i have read this right,the original poster has not given his details to the people/person/company who hit his car,he only phoned up and said " i am mr smith and your vehicle has hit my wing mirror" so he will not have to go thru his insurance company if he/she just walk away from this and repairs it themselves.

DUTR

Ganga wrote: »

If i have read this right,the original poster has not given his details to the people/person/company who hit his car,he only phoned up and said " i am mr smith and your vehicle has hit my wing mirror" so he will not have to go thru his insurance company if he/she just walk away from this and repairs it themselves.

The way I read it, he was hoping the company trustee would cover the repair cost, however from the company side due to double entry book keeping then some money has to leave the account and end up with the OP, to sort it uses resource and the company has already factored that into the insurance policy, so why wouldn't they want to go through the insurance ? (the company).