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  • FIRST POST
    • armband1
    • By armband1 5th Jan 18, 6:27 PM
    • 1Posts
    • 0Thanks
    armband1
    Damage to Parked Car
    • #1
    • 5th Jan 18, 6:27 PM
    Damage to Parked Car 5th Jan 18 at 6:27 PM
    A lady damaged my rear bumper reversing out of a car park. The damage was slight with an estimate of £240 including vat.

    Initially the lady drove off I suppose thinking no one had seen her, luckily a witness took her number.

    I have text messages from the lady admitting liability. I had the repair done and sent her the bill, she now says she wants to go through her insurance company, but I do not want to risk my no claims for such a small amount.

    Any advice, can I personally contact her insurance company direct? I presume this lady must have an excess of more than £240 so she will no doubt end up paying out of her own pocket anyway.

    Is she trying to make this difficult?
Page 1
    • littleredhen
    • By littleredhen 5th Jan 18, 6:30 PM
    • 3,080 Posts
    • 3,333 Thanks
    littleredhen
    • #2
    • 5th Jan 18, 6:30 PM
    • #2
    • 5th Jan 18, 6:30 PM
    You should let your insurance company know anyway but it shouldn't affect your no claims bonus, your insurance company is claiming from her insurance company
    The mind is like a parachute. It doesnít work unless itís open.

    A winner listens, a loser just waits until it is their turn to talk
    • daveyjp
    • By daveyjp 5th Jan 18, 7:53 PM
    • 7,535 Posts
    • 6,030 Thanks
    daveyjp
    • #3
    • 5th Jan 18, 7:53 PM
    • #3
    • 5th Jan 18, 7:53 PM
    Go through her company, she should report it anyway.

    However you will have to declare the accident next time round and your base premium may increase. Mine almost doubled following a no fault claim!
    • Sparx
    • By Sparx 5th Jan 18, 8:36 PM
    • 893 Posts
    • 493 Thanks
    Sparx
    • #4
    • 5th Jan 18, 8:36 PM
    • #4
    • 5th Jan 18, 8:36 PM
    Contact her insurance company directly.

    If you don't know it and she will not tell you, go on askMID.com and check yourself. They have a 'one off search' which costs £4 which will give you the insurance company and policy number.
    • forgotmyname
    • By forgotmyname 5th Jan 18, 11:44 PM
    • 27,221 Posts
    • 10,967 Thanks
    forgotmyname
    • #5
    • 5th Jan 18, 11:44 PM
    • #5
    • 5th Jan 18, 11:44 PM
    Hope you notified your insurer.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

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    • Quentin
    • By Quentin 6th Jan 18, 12:00 AM
    • 35,912 Posts
    • 20,184 Thanks
    Quentin
    • #6
    • 6th Jan 18, 12:00 AM
    • #6
    • 6th Jan 18, 12:00 AM
    They have a 'one off search' which costs £4.....
    Originally posted by Sparx
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