Neighbour damaged my parked car

Tomas_ziv

Hi, just out of interest. 

My neighbour bang my parked up car recently and caused some damage.  I tried nock on the door to discuss with her how to sort things out but she didn't answer the door. (She new it was me and why I'm there)

Because of that I created a police incident and also call my insurance as I have it all recorded on cctv. My insurance send me to repair center who assessed the damage and will do the repair. I will also have like to like courtesy car from enterprise while my car will being repaired. My insurance will pay for all the cost and since I have cctv footage they also waived all excess and told me that they recover all cost from neighbour insurance.  My main question is it this incident can be classed as hit and run and if neighbour insurance will to try to recover cost directly of her since she failed to provide me with her details?

RogerPensionGuy

I would let your insurance company sort it all out, I would not even contact the person who caused damage as you live too close.

My own golden rule if my car gets damaged and cost is less than about £500 I do not tell my insurance company as even if 3rd party pays up, the overall cost to me is much greater over time and I have max NCD and protected bonus, but my car insurance goes up and people shared users on my car or peoples car I also drive, it's just a loose loose game unfortunately.

Bradden

RogerPensionGuy said:

I would let your insurance company sort it all out, I would not even contact the person who caused damage as you live too close.

My own golden rule if my car gets damaged and cost is less than about £500 I do not tell my insurance company as even if 3rd party pays up, the overall cost to me is much greater over time and I have max NCD and protected bonus, but my car insurance goes up and people shared users on my car or peoples car I also drive, it's just a loose loose game unfortunately.

Don't want to be overly picky but I beleive that you are supposed to inform insurance companies of any accidents whether you claim or not. 

Tomas_ziv

RogerPensionGuy said:

I would let your insurance company sort it all out, I would not even contact the person who caused damage as you live too close.

My own golden rule if my car gets damaged and cost is less than about £500 I do not tell my insurance company as even if 3rd party pays up, the overall cost to me is much greater over time and I have max NCD and protected bonus, but my car insurance goes up and people shared users on my car or peoples car I also drive, it's just a loose loose game unfortunately.

I understand where you coming from. Technically I don't claim as it is not my fault but she is claiming on her insurance. 

I can estimate the damage for around £300 max but going with insurance I think overall cost going to be 1000s ???

That is why I wanted to speak to her about it but she put head into sand. 

rigolith

You can add the increased premium to your claim against her.

Tomas_ziv

Bradden said:

RogerPensionGuy said:

I would let your insurance company sort it all out, I would not even contact the person who caused damage as you live too close.

My own golden rule if my car gets damaged and cost is less than about £500 I do not tell my insurance company as even if 3rd party pays up, the overall cost to me is much greater over time and I have max NCD and protected bonus, but my car insurance goes up and people shared users on my car or peoples car I also drive, it's just a loose loose game unfortunately.

Don't want to be overly picky but I beleive that you are supposed to inform insurance companies of any accidents whether you claim or not. 

You are absolutely right there. Originally I was calling to my insurance just to let them know about what happened but they sort of told me that I'm not making claim because they recover all the cost because I have cctv footage they must be so confident about it because they giving me courtesy car which is only available to me if I'm not in fault and waved all excess.

I understand that my insurance may go up slightly because I've been involved in accident I think but lady over the phone told me that some people not get any increase at all. Whether it is true or not I'm not sure. I have 15years no claim bonus so hopefully I have made the right decision. 

Bottom line is that I would be out of pocket either way so may as well get her with me. My understanding is that she will loose her no claim bonus completely. 

Tomas_ziv

rigolith said:

You can add the increased premium to your claim against her.

That's quite interesting.  First time I heard of anything like that.

Any guide? 

Car_54

rigolith said:

You can add the increased premium to your claim against her.

Even if that were true, how would you establish how much of your increased premium was due to the incident? Your insurer won't tell you.

RogerPensionGuy

Tomas_ziv said:

Bradden said:

RogerPensionGuy said:

I would let your insurance company sort it all out, I would not even contact the person who caused damage as you live too close.

My own golden rule if my car gets damaged and cost is less than about £500 I do not tell my insurance company as even if 3rd party pays up, the overall cost to me is much greater over time and I have max NCD and protected bonus, but my car insurance goes up and people shared users on my car or peoples car I also drive, it's just a loose loose game unfortunately.

Don't want to be overly picky but I beleive that you are supposed to inform insurance companies of any accidents whether you claim or not. 

You are absolutely right there. Originally I was calling to my insurance just to let them know about what happened but they sort of told me that I'm not making claim because they recover all the cost because I have cctv footage they must be so confident about it because they giving me courtesy car which is only available to me if I'm not in fault and waved all excess.

I understand that my insurance may go up slightly because I've been involved in accident I think but lady over the phone told me that some people not get any increase at all. Whether it is true or not I'm not sure. I have 15years no claim bonus so hopefully I have made the right decision. 

Bottom line is that I would be out of pocket either way so may as well get her with me. My understanding is that she will loose her no claim bonus completely. 

My guess is neighbour probably just won't tell their insurance company and will it will all get washed over unless it's a big big claim, it's the wild west out there unfortunately. 

Reference curtesy cars, this can often be provided by a 3rd party, if this is the case the company will be after paying and your insurance company probably gets a kick back.

I would be especially careful signing any documents to use car, it could have some little terms and conditions that may need fully reading, it's the wild West unfortunately. 

A friend had a £300 banger hit wrote-off outside his house, he accepted a car, was a brand new Jag, he used happily for 3 months until my friends company gave him £300.

Rental outfit or whatever they are called took 3 weeks to pick up Jag, happy daze.

Driving around a new Jag for 15 weeks.

He was copied in on the next load of comms. 

Rental bill was 13K and thankfully before he was required to attend court on behalf of Rental company the insurance of the car that hit his agreed a 9K settlement. 

The paperwork I read was he accepted to act on behalf of the Rental company for information and court appearances if required or he maybe required to pay if they thought he wasn't playing their game.

So result is these processes are just another reason why car insurance is going up bonkers but, hey this is modern life here, 9K or £300 and both car drivers insurance went up bonkers.

Totally the wild west out there.

rigolith

Car_54 said:

rigolith said:

You can add the increased premium to your claim against her.

Even if that were true, how would you establish how much of your increased premium was due to the incident? Your insurer won't tell you.

Your insurance company will tell you, or at least mine did. I just got a quote via comparison, then called them to accept it and also ask how much less it would be without the claim on it.

It was only £36 the first year, but the other insurer paid it out. The second year I didn't bother as it was about £3.

You can also use a comparison site to do dummy quotes without the incident. Most remember your last year's info, so just refresh it and then add the incident to compare prices.

DullGreyGuy

rigolith said:

Car_54 said:

rigolith said:

You can add the increased premium to your claim against her.

Even if that were true, how would you establish how much of your increased premium was due to the incident? Your insurer won't tell you.

Your insurance company will tell you, or at least mine did. 

So your insurer can predict what your premiums will be in 5 years time inc factoring in any change of job, car, relationship status that may happen between then and now? They must have some amazing actuaries!

Most insurers pay it out of the FO cash pot because no one can prove what their future premiums are but its not worth going to court over £36 

Tomas_ziv said:

My main question is it this incident can be classed as hit and run and if neighbour insurance will to try to recover cost directly of her since she failed to provide me with her details?

No, failure to inform your insurers isnt grounds for their insurers to be able to recover their outlay from their insured. As long as her insurers agree she is liable (which it sounds fairly certain they will) then they will simply settle. 

Tomas_ziv said:

I will also have like to like courtesy car from enterprise while my car will being repaired. 

That'll be a hire car not a courtesy car. The question is if thats a hire car provided under the terms of your policy because you've paid for a "guaranteed courtesy car" (or whatever name your insurers have called their hire car option) or have your insurers sold passed your details to Enterprise's credit hire team and you're getting the hire car on credit.