i have had an accident and not sure what to do

mum2one

Going back to when I had my 1st accident in 1998, I got hit on the side and it damaged the bumper, I had to have a dent knocked out in side panel, part respray and new bumper, with fitting,, vat etc that was about £400.

I had to get 3 quotes as it was an insurance claim,

thepinkladez_2

Pew_Pew_Pew_Lasers! wrote: »

This may be so but the insured party is under no obligation to use the insurer's preferred repairer. It is quite normal to insist that your damaged car be repaired at a business of your choosing.

i would just like to make it vry clear that i am not asking the driver to go to my prefered repairer but to simply provide 3 quotes, i think Pew pew pew that you are missing the point, what op was saying was to get my own quote to see whether the amount in the original repair bill is accurate or not.

cyclonebri1

thepinkladez wrote: »

i would just like to make it vry clear that i am not asking the driver to go to my prefered repairer but to simply provide 3 quotes, i think Pew pew pew that you are missing the point, what op was saying was to get my own quote to see whether the amount in the original repair bill is accurate or not.

Pewpews correct though, for anyones info provided the quote is reasonable any authurised repairer can be used. I think this is what you were trying to make clear, ie,reasonable yeah?

Don't get messed up with the curtesy car thing, that is only provided by your own insurer for you. If he doesn't have this on his plicy, or if he doesn't go through his insurers, he doesn't get. The claim would end up being paid by his insurer who would then claim back if your insurer admitted liability for you.

HTH.

To be honest if you have a good record, £600 damage isn't an awful lot, seems about right, I'd let the insurance sort it out, save yourself the hassle. Just ask for the photographs as no one likes being mad a fool of, and he just could have welted it with a hammer to ensure the scratch on the otherside of the bumper gets done at the same time;) It happens.

thepinkladez_2

cyclonebri1 wrote: »

Pewpews correct though, for anyones info provided the quote is reasonable any authurised repairer can be used. I think this is what you were trying to make clear, ie,reasonable yeah?

oh i see what you mean! yes i am happy to go wherever as long as its reasonable!

Don't get messed up with the curtesy car thing, that is only provided by your own insurer for you. If he doesn't have this on his plicy, or if he doesn't go through his insurers, he doesn't get. The claim would end up being paid by his insurer who would then claim back if your insurer admitted liability for you.

yes have looked into this courtesy car issue and it seems you are right. i know when i had someone drive into my car i didnt get a courtesy car maybe i could of if i ha really kicked up but tbh i was happy enough with it just getting fixed!
HTH.

To be honest if you have a good record, £600 damage isn't an awful lot, seems about right, I'd let the insurance sort it out, save yourself the hassle. Just ask for the photographs as no one likes being mad a fool of, and he just could have welted it with a hammer to ensure the scratch on the otherside of the bumper gets done at the same time It happens.

Yes i have an outstanding record, except from this very minor hicup of taking out this car!;) so i think possibly i will just go through insurance, as i dont do heated fights etc, i like the easy life! will def get some pics like you say and ask for the 2 extra quotes first just to be sure and if it all gets expensive and difficult i will call in the insurers and be done with it!

mum2one

I dont mean to be blunt - but you need to inform your insurnace company now, not when it gets to difficult or expensive as the 1st question that comes to mind is have you got something to hide?

thepinkladez_2

mum2one wrote: »

I dont mean to be blunt - but you need to inform your insurnace company now, not when it gets to difficult or expensive as the 1st question that comes to mind is have you got something to hide?

i have already spoken to them as i wanted to know if i would lose my no claims etc and whether it was worth claiming as i have to pay the first £350 regardless so i assume they are aware of the incident as they did ask me details of what happened etc, but i have told them at that moment in time i didnt want to proceed with claim as was hoping to do it between us.

Poppy9

Did the other car driver apologise for parking over your driveway?

I would put up a sign at the end of the driveway saying "I do not take responsibilty for any damage caused to a car that obstructs my driveway". Not legal but might make them think twice.

thepinkladez_2

Poppy9 wrote: »

Did the other car driver apologise for parking over your driveway?

I would put up a sign at the end of the driveway saying "I do not take responsibilty for any damage caused to a car that obstructs my driveway". Not legal but might make them think twice.

No he didnt say anything that what makes me madder!:p he didn't really say anything!didn't seem bothered that i had hit it. when i said did he realise he was on my drive that was the first time he seemed to even realise he was actually parked dodgily!

thepinkladez_2

well that was weird! i have finally got hold of the driver whose car i hitt and he has been very helpful. will send some pictures and some more quotes. he seemes as shocked as i was regarding the first quote (he says he didn't even see it?company just sent it.)he thinks that rather a lot for very small amunt of damage. so well we will wait and see, hopefully wont as much as first thought so i can pay him and not claim on insurance,and will retain my no claims!!:j

lwt2006

Just to let you know, that you have a duty of disclosure to your insurance company, whether or not you choose to pay for it yourself.

When you renew or go looking elsewhere at renewal, one of the questions always asked is "have you or anyone likely to drive your car, suffered any accidents, losses or claims within the last 3(maybe 5) years.

Insurers share info with each other and if you do not disclose it, it may invalidate any insurance.

When I worked as a claims handler about 10 years ago, I think duty of disclosure was at renewal only, but I think nowadays it is at any time.

Re: courtesy car, if you have damaged someone else's car and it is off the road for repairs, you have denied him the use of his car for those days - a loss assessor working for him would have no hesitation in claiming cost of hire car from you. You would not believe what third parties (claimants) would ask for when I worked in the industry and I bet it hasn't changed much.