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#359635 - 22nd Oct 2009 6:25pm advise please
SilentReader Offline
Addict

Registered: 27th Nov 2008
Posts: 238
Loc: Wallasey
Hi all,

looking for a bit of advise on what to do, callin to at Sainsbury’s in prenton this morning to check my tyre pressures after finished, was waiting for the traffic entering to clear from entering the forecourt I then pulled out behind a white astra van, was not square on behind him was at an angel to the left side of him could not of missed me, he then decides to reveres back with out looking and slaps the left corner of my bumper hard enough to pierce it with the what ever is behind the bumper.

he didn't want to go through the insurance as he claims he would lose his job and he has a mate in Wallasey that would sort it for me, so I took his name, number, address & reg of the van, went and visited the garage at lunch time and he claim he could just repair it, I said I didn't want it repairing I was a new one on there, he claims he would replace it as his mate was paying for it so no bother to him, so I left it with him to source one and paint it then I would take the car to have it fitted.

since then I have noticed me horn is also damaged and sounds a load of poo lol, my main question is should I let this guy fix it for me or should I go get me own quote from someone else or should I just put it to my insurance to sort ?


Edited by Chrissykes (22nd Oct 2009 6:26pm)

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#359641 - 22nd Oct 2009 6:37pm Re: advise please [Re: SilentReader]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Go through the insurance, that's what it is there for. The car should be assessed by an insurance claim assessor so you know the true extent of the damage and the work that needs doing to rectify it. Contact your insurance and see how they say to proceed, they may be able to confirm that the guy was insured to be driving the vehicle or not.

So what if the guy loses his job, it will teach him to be more carefu next time - typical white van drivers, don't give a shit about anyone or anything. Had you not been in the car/been in a location with cctv, he would have almost certainly driven off.

If you are honestly happy and comfortable to get it done outside the insurance, get your own quotes and choose one of them - id charge the guy cash. But honestly, id recommend going through the insurance - but you need to make up your mind quick and contact your insurance company as soon as possible.

The guy probably already has points on his license/previous claims galore and the claim will increase his insurance, id be surprised if he lost his job as accidents happen and that's what insurance is there for. Did he look part of a big firm, small firm, or did he seem an independent (ie. paying his own insurance)?

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#359643 - 22nd Oct 2009 6:43pm Re: advise please [Re: MattLFC]
Wench Offline

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Registered: 9th Aug 2008
Posts: 8616
Loc: Second Circle of Hell.
Check your inbox Chris wink
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#359646 - 22nd Oct 2009 6:54pm Re: advise please [Re: Wench]
SilentReader Offline
Addict

Registered: 27th Nov 2008
Posts: 238
Loc: Wallasey
Hi Matt,

He was wearing a british gas shirt but the van had no company logo's, thing that is worrying me is that my mot is due soon and I have pay for that and a service, 2 tyres and pads then there's christmas on top of that, I really can't afford the £250 excess.

One thing that worrys me the most is he told me he had to pay this guy to repair a van that he had an accident in, needed a rear quarter panel replacing.

I have already contacted directline and they have advise me really it should be through the insurance but if I wished to avoid this route then I could get my own quotes and then tell this guy I want it done through were I choose, at the end of the day I don't want a cheap shodie job doing I want ford parts used, I know it's only a fiesta but still I want it right and no come backs with the work

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#359648 - 22nd Oct 2009 7:04pm Re: advise please [Re: SilentReader]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
I guess if you don't want to pay the excess, then it depends on who is deemed liable for the accident. From what you have said, it sounds like him, but this may not be the case.

If your insurance company have said you would be held liable, or it would be shared liability, then you will obviously have to pay the excess, but at least you know you would be getting a good job done, and have comeback in the case of further problems. It depends on whether you can afford the excess in this case, as to whether you should settle with or without the insurance.

If the insurance company have said they would expect the other party to be liable/admit liability, and they would fight your corner, then id take it through the insurance without question.

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#359650 - 22nd Oct 2009 7:07pm Re: advise please [Re: MattLFC]
SilentReader Offline
Addict

Registered: 27th Nov 2008
Posts: 238
Loc: Wallasey
Sorry I should of said I would have to pay the excess while the sorted it out between mine and his insurance, I would only have to pay if I wanted it done like now.

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#359652 - 22nd Oct 2009 7:11pm Re: advise please [Re: SilentReader]
SilentReader Offline
Addict

Registered: 27th Nov 2008
Posts: 238
Loc: Wallasey


thats the damage to the dumper

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#359781 - 23rd Oct 2009 8:34am Re: advise please [Re: SilentReader]
RUDEBOX Offline

Wiki Master

Registered: 29th Aug 2008
Posts: 19087
Loc: Bob Land
Heart or head, chris? Hope you get it sorted.
_________________________
Mia Mabel


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#359926 - 23rd Oct 2009 6:08pm Re: advise please [Re: MattLFC]
Beemertastic Offline
Forum Addict

Registered: 16th Oct 2007
Posts: 1113
Loc: wirral
Originally Posted By: MattLFC
Go through the insurance, that's what it is there for. The car should be assessed by an insurance claim assessor so you know the true extent of the damage and the work that needs doing to rectify it. Contact your insurance and see how they say to proceed, they may be able to confirm that the guy was insured to be driving the vehicle or not.

So what if the guy loses his job, it will teach him to be more carefu next time - typical white van drivers, don't give a shit about anyone or anything. Had you not been in the car/been in a location with cctv, he would have almost certainly driven off.

If you are honestly happy and comfortable to get it done outside the insurance, get your own quotes and choose one of them - id charge the guy cash. But honestly, id recommend going through the insurance - but you need to make up your mind quick and contact your insurance company as soon as possible.

The guy probably already has points on his license/previous claims galore and the claim will increase his insurance, id be surprised if he lost his job as accidents happen and that's what insurance is there for. Did he look part of a big firm, small firm, or did he seem an independent (ie. paying his own insurance)?

I agree..the muppet should be more careful!
_________________________
Mustang

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#360276 - 25th Oct 2009 12:45am Re: advise please [Re: Beemertastic]
DavidB Offline
Wiki Guide

Registered: 7th Dec 2003
Posts: 5599
Loc: Bebington, Wirral
What car is it?
TBH, have a word, and if you don't get results, go through insurance. He's obviously not being a [censored] about it, and he's paying for it.
_________________________
"C20 LET bang"

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#360298 - 25th Oct 2009 7:32am Re: advise please [Re: DavidB]
SilentReader Offline
Addict

Registered: 27th Nov 2008
Posts: 238
Loc: Wallasey
Think I'm going to give him 2 weeks to have sourced me a bumper and horn and have them fitted and it should be easy as the mk6 fiesta is very common, if my car is not put right, then I will leave it in the hands of the insurance company, I don't want to be unfair with him as he has been honest and admitted it was his fault and wants to fix, what I am going to do tho is inspect the bumper and make sure I'm happy with the painting of it and also the structure of it to(no cracks or repairs) before it's bolted to the car. I really want to make sure I'm not having to return my car after a few months because there's a problem with it.

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#360324 - 25th Oct 2009 10:32am Re: advise please [Re: SilentReader]
DavidB Offline
Wiki Guide

Registered: 7th Dec 2003
Posts: 5599
Loc: Bebington, Wirral
That's fair. Someone on another forum had a scratch and dent on his wing , and the person actually came forward, knocked on his door and said he'd pay for it. He could've just walked away, but the person was then saying 'Should I claim 400 or 500 quid for repairs' (and getting higher), on a wing that only costs 5 quid from a scrap yard.
There's something about insurance and claiming that can turn any normal person!
_________________________
"C20 LET bang"

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