Hit my car and drove off.

Hankey89

I watched a person reverse directly into my parked car today whist I was in work, then get out and check the back of their own car, without looking at mine, and then proceed to drive off. I had a witness to this event. I got the persons phone number from their home, and rang them, they advised they would pay for the "repair privately as it will be no more than a couple of hundred pounds" and to tell them the amount. The damage is a dent to the wheelarch with minor scratches. I don't really want to go through insurance as I know despite it not being my fault, it can knock my premiums up. My problem is that I need my car for my job, and I work every day basically, so I would have to hire a courtesy car for at least a day, or take a day off work, to drop my car off at a garage for the day for the repairs. 

Would you advise I get a quote for repairs tomorrow morning, I wasn't able today as was working until late, and then add any additional cost to myself e.g. day off work, and advise the person to transfer me the money immediately, or we just go through insurance? Or is it cheeky to charge someone for my time?
Thanks. 

born_again

Wait until you get the quote as to how long it is going to take.

DB1904

Hankey89 said:

I watched a person reverse directly into my parked car today whist I was in work, then get out and check the back of their own car, without looking at mine, and then proceed to drive off. I had a witness to this event. I got the persons phone number from their home, and rang them, they advised they would pay for the "repair privately as it will be no more than a couple of hundred pounds" and to tell them the amount. The damage is a dent to the wheelarch with minor scratches. I don't really want to go through insurance as I know despite it not being my fault, it can knock my premiums up. My problem is that I need my car for my job, and I work every day basically, so I would have to hire a courtesy car for at least a day, or take a day off work, to drop my car off at a garage for the day for the repairs. 

Would you advise I get a quote for repairs tomorrow morning, I wasn't able today as was working until late, and then add any additional cost to myself e.g. day off work, and advise the person to transfer me the money immediately, or we just go through insurance? Or is it cheeky to charge someone for my time?
Thanks. 

So you intend to settle privately and then risk your premium going up when you declare and accident you're not claiming for?

At a guess, it'll cost more than the third party thinks. It maybe you're without a car for more than one day and they won't want to pay for a hire car.

You're best to let the insurance company sort this one. 

Hankey89

DB1904 said:

Hankey89 said:

I watched a person reverse directly into my parked car today whist I was in work, then get out and check the back of their own car, without looking at mine, and then proceed to drive off. I had a witness to this event. I got the persons phone number from their home, and rang them, they advised they would pay for the "repair privately as it will be no more than a couple of hundred pounds" and to tell them the amount. The damage is a dent to the wheelarch with minor scratches. I don't really want to go through insurance as I know despite it not being my fault, it can knock my premiums up. My problem is that I need my car for my job, and I work every day basically, so I would have to hire a courtesy car for at least a day, or take a day off work, to drop my car off at a garage for the day for the repairs. 

Would you advise I get a quote for repairs tomorrow morning, I wasn't able today as was working until late, and then add any additional cost to myself e.g. day off work, and advise the person to transfer me the money immediately, or we just go through insurance? Or is it cheeky to charge someone for my time?
Thanks. 

So you intend to settle privately and then risk your premium going up when you declare and accident you're not claiming for?

At a guess, it'll cost more than the third party thinks. It maybe you're without a car for more than one day and they won't want to pay for a hire car.

You're best to let the insurance company sort this one. 

Well he said on the phone he did not want to lose his no claims bonus, so wanted to settle it privately. It's only a small bump and scratch, so I thought it might be better all round to not go through insurance. But you're probably right about letting insurance company sort it out. 

Rolandtheroadie

Insurance every time. You're just putting off the inevitable. 
 

Grey_Critic

None of us want to risk our NCD - your concern has to be with yours not his.

Hankey89

Grey_Critic said:

None of us want to risk our NCD - your concern has to be with yours not his.

I know. I just went on a comparison website, and my insurance jumps 60 pound a year, if I add in an accident that wasn't my fault in the last 5 years... so an extra 300 pounds over 5 years because someone drove into my parked car. Amazing. 

angrycrow

Now you have added it on the comparison site it is in the system so make sure you do mention it to your own insurers at renewal even if you don't claim.

Given he tried to drive off without leaving his details thinking he had got away with it expect an argument when you tell him the cost and mention a hire car. I predict he won't pay up. 

Go on ask mid get his insurance details and approach them directly. 

Sandtree

Hankey89 said:

Grey_Critic said:

None of us want to risk our NCD - your concern has to be with yours not his.

I know. I just went on a comparison website, and my insurance jumps 60 pound a year, if I add in an accident that wasn't my fault in the last 5 years... so an extra 300 pounds over 5 years because someone drove into my parked car. Amazing. 

You cannot extrapolate that a claim this year adds £50 that it adds £50 next year. Secondly if you are "playing" on price comparison sites you can never be 100% sure if the change you see is because of the different between two quotes or because you are triggering counter fraud measures given you either had an accident or you didn't, and one of those quotes must be based on false information. 

A non-fault claim may increase your premiums, particularly if you are generally high risk without considering without the claim. For many good risks it will make little to no difference if its just a single non-fault claim... if you've already got a string of them or convictions etc then it will compound in impact

Hankey89

Sandtree said:

Hankey89 said:

Grey_Critic said:

None of us want to risk our NCD - your concern has to be with yours not his.

I know. I just went on a comparison website, and my insurance jumps 60 pound a year, if I add in an accident that wasn't my fault in the last 5 years... so an extra 300 pounds over 5 years because someone drove into my parked car. Amazing. 

You cannot extrapolate that a claim this year adds £50 that it adds £50 next year. Secondly if you are "playing" on price comparison sites you can never be 100% sure if the change you see is because of the different between two quotes or because you are triggering counter fraud measures given you either had an accident or you didn't, and one of those quotes must be based on false information. 

A non-fault claim may increase your premiums, particularly if you are generally high risk without considering without the claim. For many good risks it will make little to no difference if its just a single non-fault claim... if you've already got a string of them or convictions etc then it will compound in impact

Well it added 60 pounds a year to mine, and I have no history of any accidents or claims with 15 years driving.  You're right about extrapolating, maybe it will be more the year after or a little bit less. Either way, it will definitely cost more over the 5 years.

ontheroad1970

Hankey89 said:

Sandtree said:

Hankey89 said:

Grey_Critic said:

None of us want to risk our NCD - your concern has to be with yours not his.

I know. I just went on a comparison website, and my insurance jumps 60 pound a year, if I add in an accident that wasn't my fault in the last 5 years... so an extra 300 pounds over 5 years because someone drove into my parked car. Amazing. 

You cannot extrapolate that a claim this year adds £50 that it adds £50 next year. Secondly if you are "playing" on price comparison sites you can never be 100% sure if the change you see is because of the different between two quotes or because you are triggering counter fraud measures given you either had an accident or you didn't, and one of those quotes must be based on false information. 

A non-fault claim may increase your premiums, particularly if you are generally high risk without considering without the claim. For many good risks it will make little to no difference if its just a single non-fault claim... if you've already got a string of them or convictions etc then it will compound in impact

Well it added 60 pounds a year to mine, and I have no history of any accidents or claims with 15 years driving.  You're right about extrapolating, maybe it will be more the year after or a little bit less. Either way, it will definitely cost more over the 5 years.

No, it added £60 fo0r the current quotation.  You don't know what the quote will be for the following years at this stage.  If you have used your real details in a comparison site, you will definitely will be best putting the claim through insurance or doing it behind the scenes and notifying them 'for information purposes only'.