Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • Loftus94
    • By Loftus94 15th Jun 17, 5:15 PM
    • 1Posts
    • 0Thanks
    Options when trying to settle an at fault claim privately
    • #1
    • 15th Jun 17, 5:15 PM
    Options when trying to settle an at fault claim privately 15th Jun 17 at 5:15 PM

    My car was parked on a hill with the handbrake on, i left the car and went into my house. At some point the handbrake has failed and rolled down a hill and bumped into the back of the car infront.

    The damage to both cars was very minor with a few small scratches on the front bumper of my car and the same to the rear of the other car.( A scuff approximately 6cm long) After speaking to the owner of the car that my car hit we agreed to settle privately.

    She has given me a quote for over 700 which include a replacement bumper and side skirt. I find this to be ridiculous as the damage to the vehicle doesn't call for a replacement bumper etc. When I suggested that she gets another quote or I try to arrange a quote for her she refuses and says that that's the garage she wants to use! (Just Car Clinic)

    I don't want to go through my insurer, as a young driver (22) my insurance is likely to go up to over 3000.

    is this woman being unreasonable and do I have any other option other than to just pay the quote she has provided me with?

    Thank you
Page 1
    • rudekid48
    • By rudekid48 15th Jun 17, 6:08 PM
    • 2,081 Posts
    • 3,565 Thanks
    • #2
    • 15th Jun 17, 6:08 PM
    • #2
    • 15th Jun 17, 6:08 PM
    Your other option is to let your insurer deal with it.

    If it was the other way round, would you let the other person dictate to you where you got your car fixed? She is being reasonable by giving you the opportunity to settle it privately.
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • Aretnap
    • By Aretnap 15th Jun 17, 11:46 PM
    • 2,963 Posts
    • 2,482 Thanks
    • #3
    • 15th Jun 17, 11:46 PM
    • #3
    • 15th Jun 17, 11:46 PM
    You either come to an agreement that you're both happy with, or you let your insurers deal with it. If you're determined not to involve your insurer at all costs then that puts you at a disadvantage as you pretty much have to pay what she wants. If you say "that's my final offer - if you don't like it speak to my insurer" then you take the risk that she will speak to your insurer.

    As far as the reasonableness of her stance goes, as the not at fault party she has the right to have her car repaired to a high standard at a garage of her choice. She doesn't have to go shopping around for quotes and pick the cheapest one - that's an urban myth. So long as the repair costs she incurs are not wildly unreasonable she has the right to have them reimbursed. That's how it will work if she goes through your insurer at any rate.
    • mattyprice4004
    • By mattyprice4004 17th Jun 17, 5:27 PM
    • 3,573 Posts
    • 3,046 Thanks
    • #4
    • 17th Jun 17, 5:27 PM
    • #4
    • 17th Jun 17, 5:27 PM
    To be frank, it doesn't matter what you think / want.
    Your car caused damage, if you don't like the quote then go through insurance.

    The other party holds all the cards in this one!
    • marlot
    • By marlot 17th Jun 17, 8:42 PM
    • 3,423 Posts
    • 2,542 Thanks
    • #5
    • 17th Jun 17, 8:42 PM
    • #5
    • 17th Jun 17, 8:42 PM
    Bumpers can absorb a bump and pop back out again - looking pretty much undamaged.

    I nudged my mirror against a pillar last year. It cost 600 + paint!!!

    As others have said, you have two choices. Pay up or let the insurance handle it. By even giving you the choice, she's doing you a favour.
    • csgohan4
    • By csgohan4 18th Jun 17, 7:10 AM
    • 4,436 Posts
    • 2,782 Thanks
    • #6
    • 18th Jun 17, 7:10 AM
    • #6
    • 18th Jun 17, 7:10 AM
    someone bumped into me while my car was parked, it cost them 1.3k to fix. Bear in mind also new cars now a days have expensive tech e.t.c in bumpers for example

    I would personally go through the insurance, you need to tell them anyways as per your T+C. Also you have no comeback if they get 700+ from you and then they claim from the their insurance and your in a worse position.

    As cars go, was your car an old banger?
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

163Posts Today

1,490Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line?

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin