Hey guys.
Had a bit of an accident in my 3 week old tin top and need some advice.
I say I've had an accident but actaully it was someone else, I was parked in B&Q car park while I borrowed their rental van. Collected some
bits from the store, loaded the van and drove home. After i unloaded I drove back to the store and found my car missing it's front bumper and a
pair of security guards standing over it.
Apparently a horsebox (WTF!) that was parked beside it (not when I parked up it wasn't) ripped off the front bumper when pulling away. The person
left her details with security so I have her name, registration, and insurance company name.
I've taken pictures of the car as I found it, clearing showing it parked correctly in a parking bay and the damage. And I've tried phoning
my insurance company but alas with it being a bank holiday no one will be there till tomorrow.
Can anyone else think of anything I need to/should do? Thanks in advance.
Chuffing annoyed in Dorset!
has the person left a contact number you can get them on? maybe offer to try sort things out avoiding insurace?
The likely reply from your insurance company is that of
'So this happened in the car park of a shop, then I'm sorry but you will have to sort it out personally as your only covered for use on a
public highway and this incident occured on private property/land and is therefore not covered.'
Mutter mutter mutter from your self.
'I'm sorry but that is our possition on this matter. Is there anything else I can help you with today. No. The goodbye.' CLICK.
It will be covered, the public highway as any place that might reasonably and lawfully be accessed by the public, this includes carparks. Try to get the insurance details of the other party, they will fall over themselves to sort it before you go to a credit hire company to get it sorted (which would cost them ten fold). If you get problems, U2U me - its part of my day job
yup covered, i backed out into a speeding car, probably doing 25 on a 5mph on site carpark, but that's not really the point, my insurance company paid out, my repair bill was for a rear light £110 at insurance prices, some how he managed to claim for over 6k of damage
I've got the details she left with security.
For the record it was MY vehicle that was damaged not the rented van.
My vehicle was parked correctly (I have photos to prove this) at the time and as such was stationary.
She ripped the front bumper off with a horsebox apparently. As far as I know there was no damage to her vehicle.
It's just a bit of a sickener since I only took collection of the vehicle from the dealers on 5/4/2011.
[Edited on 29/4/11 by DorsetStrider]
[Edited on 29/4/11 by DorsetStrider]
Even if it's not your fault a claim (against her insurance) can cause problems for you in future. *Any* claim can cause yours to go up. I know
someone who was no longer able to protect her no claims after a non-fault claim.
If you possibly can then I would see about sorting it out privately. It will be cheaper for her in the long run and potenially cheaper for you too.
She's been good enough to leave her details (when she could have just legged it!) so I would see if you can work it out amicably and not involve
insurance.
Go to a repair place or 2 and get some quotes for the repair. Then see if she would rather pay for the work than pay in future with increased
premiums.
All the best getting it sorted.
Cheers,
James
Same thing happened to my Merc SL in a restaurant car park. Drivers door stoved in by another car who did a runner and didn't have the decency to
leave any details.
My insurance (Zurich) paid up, no quibbles and recorded as 'no fault claim' it didn't effect my NCD.
I hope it works out for you too.
quote:
Originally posted by James
Even if it's not your fault a claim (against her insurance) can cause problems for you in future. *Any* claim can cause yours to go up. I know someone who was no longer able to protect her no claims after a non-fault claim.
If you possibly can then I would see about sorting it out privately. It will be cheaper for her in the long run and potenially cheaper for you too.
She's been good enough to leave her details (when she could have just legged it!) so I would see if you can work it out amicably and not involve insurance.
Go to a repair place or 2 and get some quotes for the repair. Then see if she would rather pay for the work than pay in future with increased premiums.
All the best getting it sorted.
Cheers,
James