Who's fault is this?

Shade_2

Iamthesmartestmanalive wrote: »

As for the damage only, and what if the damage leaves the car out of alignment or colour matched badly?

Ah you misunderstood me. By damage only I mean whatever damage done to the car from our collision, whether that be a new bumper or respray I will pay for. I didn't mean a patch-up job because that isn't fair & I wouldn't want that done to my own car let alone my neighbours; I just want to avoid the dealers & large garages as these charge a fortune for labour let alone the work & parts.

photome

Shade wrote: »

Ah you misunderstood me. By damage only I mean whatever damage done to the car from our collision, whether that be a new bumper or respray I will pay for. I didn't mean a patch-up job because that isn't fair & I wouldn't want that done to my own car let alone my neighbours; I just want to avoid the dealers & large garages as these charge a fortune for labour let alone the work & parts.

I think what others and myself are saying is that you said you will not cover any out of pocket expenses, hire car etc, but that isnt your call, if the other party wanted to claim for these expenses then they can.

Quentin

Shade wrote: »

I thought I would have to pay a excess when it's my fault because technically its a claim right?

If the accident is your fault, and the injured third party makes a claim against you which is handled by your insurance company, then yes, you have a claim against you.

But you will normally not have to pay any excess if you do not claim yourself for damage to your own car.

Shade_2

Quentin wrote: »

If the accident is your fault, and the injured third party makes a claim against you which is handled by your insurance company, then yes, you have a claim against you.

But you will normally not have to pay any excess if you do not claim yourself for damage to your own car.[/quote

Yes the accident is my fault so I presumed I would have to pay the excess. I'm not going to claim for any damage to my own car as it's nothing major & noone can see it unless I rub my hand along the read bumper.

What will I have to pay then if I claim on my insurance?

Shade_2

Oh I forgot to say we're not using the garage I know anymore.

MrsE_2

If you had reversed into my car, I would be taking it to the main dealers.

I use them, so why should I take my car to a back street garage if someone drives into me.

I would have to put it through their insurance as I would need a hire car, while mine wasw in, to get to & from work.

I think you have been quite lucky with them, actually.

Quentin

Shade wrote: »

Yes the accident is my fault so I presumed I would have to pay the excess. I'm not going to claim for any damage to my own car as it's nothing major & noone can see it unless I rub my hand along the read bumper.

What will I have to pay then if I claim on my insurance?

You won't be making a claim!

The third party can either claim on her insurance (who, on hearing the details will contact you/your insurers), or claim directly off you (or your insurer).

You (or your insurers if you want them to) will then pay her damages. If you let your insurers pay, then you won't have to pay anything towards this incident.

But your premium will increase at renewal.

Shade_2

Quentin thank you for explaining that to me.

The garage I recommended is not a "back street" garage. I don't know any back street garages & if I did I would not go to one. You can never trust these garages to do a excellent job whereas a dealer will do a excellent job but they have a nasty habit of replacing a part of the car that can be fixed. That's why I'm wary about dealers & the price - it's never reasonable.

cyclonebri1

Shade wrote: »

Quentin thank you for explaining that to me.

The garage I recommended is not a "back street" garage. I don't know any back street garages & if I did I would not go to one. You can never trust these garages to do a excellent job whereas a dealer will do a excellent job but they have a nasty habit of replacing a part of the car that can be fixed. That's why I'm wary about dealers & the price - it's never reasonable.

Your right to be wary of main dealers pricing etc, you just don't need to pay that price, there are alternatives.
However in this case you are in the wrong and have no choice in the matter I am afraid.

The term "back street garage" has come up. I think there is a little mis-conception arising here. My understanding is that any lets say independant garage that is not sited on a town centre through route, but rather on an industrial unit or out of town, is much more likely to have reasonable overheads which should reflect in the charges made.

Also I disagree with your asumption that you would get a better job done at the MD. In my experience it has been quite the opposite:rolleyes:

MrsE_2

cyclonebri1 wrote: »

Also I disagree with your asumption that you would get a better job done at the MD. In my experience it has been quite the opposite:rolleyes:

That is a personal choice & opinion, to which you are well entitled.

I was just pointing out that if someone were to reverse into my 6 month old car, I would ONLY want to take it to the dealers.
If you reverse into someone, you have to make amends. If you don't want it to go through the insurance, then you have to let them choose the garage, not tell them where you want them to have it repaired.


Someone drove into my husband, he said to the man "give me £20 & I will get some T-cut and stuff & polish it out". Bloke said "blow off (Used a stronger word) you are taking the mick (used a stronger word), I'll give you £5".

Hubby said, "leave it, we will let the insurance sort it out, I was trying to do you a favour".

The mans insurance had to pay for a licenced hire & reward rental car while the car was being fixed by the main dealer. The final bill went into hundreds rather than £20, but the guy was an ar5e.