I damaged someone's car, what's the procedure?

StMilMo

Oh, and I should still ask - even if I involve the insurance, what do I even do? Do I have to phone my insurance? Does the other person phone mine? Or theirs first, who contacts mine? Do they have to get quotes first and tell my insurer, or does my insurer instruct them on how to proceed?

I've never had to do this before, cheers for any info!

couriervanman

StMilMo said:

Scrapit said:

StMilMo said:

Thanks for the replies, guys. I think my term "cosmetic" may have given the wrong impression - it's physical bodywork damage, for sure. Here's a picture: 

[img]https://i.imgur.com/iiRy1U9.png[/img]

The car turns out to be 2019 reg as well, so very new. Don't know the model, smallish 4-door citroen. I mean, in the end I'll pay what it's going to cost one way or another - but some idea would let me know whether it's worth attempting the "sort it ourselves" approach or if it would be better just taking the insurance hit. I'm travelling today so haven't got back to the owner properly yet, need to ring them back ASAP really or it starts to look evasive.

Thanks,

Yeah, thats not gonna be cheap. Involve the insurance.

Ballpark figure? I literally have no idea whatsoever.

Well the person is going to want his/her nice new brand spanky 2019 car repaired to tip top condition.......damaged wing/damaged front bumper section/possible wheel alignment damage......£1500-£2000 if going through insurance cash job £1000-£12000
If i owned the other car i would be insisting on insurance job

clive0510

contact your insurance company. tell them whats happened. they will tell you what to do next. its a car. its not the end of the world.

Scrapit

StMilMo said:

Scrapit said:

StMilMo said:

Thanks for the replies, guys. I think my term "cosmetic" may have given the wrong impression - it's physical bodywork damage, for sure. Here's a picture: 

[img]https://i.imgur.com/iiRy1U9.png[/img]

The car turns out to be 2019 reg as well, so very new. Don't know the model, smallish 4-door citroen. I mean, in the end I'll pay what it's going to cost one way or another - but some idea would let me know whether it's worth attempting the "sort it ourselves" approach or if it would be better just taking the insurance hit. I'm travelling today so haven't got back to the owner properly yet, need to ring them back ASAP really or it starts to look evasive.

Thanks,

Yeah, thats not gonna be cheap. Involve the insurance.

Ballpark figure? I literally have no idea whatsoever.

If less than 1500 quid I'll be shocked, I'd be expecting little change out of 2k, more once the courtesy car is factored in.

StMilMo

OK, thanks, guys. My excess is £650 anyway so it might not be a long way off, cost wise.

Aylesbury_Duck

I don't think you'd be paying your excess.  Check your policy to find out. 

StMilMo

Aylesbury_Duck said:

I don't think you'd be paying your excess.  Check your policy to find out. 

Isn't that what the excess means, I thought it was the part you always cough up? Hmm

Aylesbury_Duck

What does your policy say about it?  As I understand it, your excess is payable on your claims.  If you make a claim for damage to your car as well as the other party's car, then the excess is payable.  If the other driver claims from your insurer and there's no damage to your car you wish to repair through insurance,  there's no excess to pay since you're not making a claim on your own policy for your own car.  That's how my policy works. 

The_Rainmaker

OP you wouldn't need to pay the excess if you didn't get your car fixed but from what you say your car is "specialist" (whatever that means) and has worse damage.  So just go all in and let your insurance sort out the whole thing no point in !!!!!! footing around and maybe next year look at the size of your excess.

So contact your insurance and ask to be directed to the form (or whatever procedure they use).

AdrianC

Cit C1.
Front wing, front bumper, looks like possibly a light.
Panels, prep, paint, labour, hire car...