DrEvil

Saxo - whilst I see where you're coming from because ultimately it's your pocket that gets hit if you don't want to hurt your no claims.

I had (no joke) a saxo run into the back of my Impreza wagon a few years back, the wagon was about 18months old - bugger all *visible* damage to the saxo apart from one of the fog lights hanging out (no bad thing! ). However, when assessed by the local subaru garage, the back box has been damaged (WR Sport) and the rear bumper had too and the inner bumper too. The resulting bill - nigh on £1500!! the saxo driver put it through their insurance.

I wasn't pulling a fast one - the garage replaced all items that were damaged by the impact. I don't think your guy is being unreasonable - and if it was in A1 condition or even B1, C1 etc.. If you are the victim, why should you settle for any less than a A1 job being done on repairing something that wasn't broken before you hit him? £500 seems cheap to me.

my 2peneth.........

andythejock01wrx

Help Hire are infamous for their high costs (only to the limit of the law, or perhaps a wee bit more). Although eventually hire rates were agreed between the Insurers and the Credit hire companies (based on precedents),
I can remember when Help Hire first came on the scene they would charge such exorbitant rates that when we offered 2/3rds of their original invoice, they'd happily accept it !!

Still, £170 ! You running around in a luxury saloon ?

Andy Mc

andythejock01wrx

Hey, but that's not so bad. Now you have a big bag of cash, right ?
And you can get looking for that Evo viii !

Milamber

iTrader: (2)

Everyone's ignoring the fact that by paying cash you are implying that you will not be telling your insurance company about the crash.....

How do you intend answering the question next year when they ask if you have had an accident in the last 3 years? You're trying to make out that you are going to be honest and trustworthy when dealing with the poor chap you drove into but your morals suddenly slip when it comes to dealing with your insurers.......... remember that insurers pass information about accidents among themselves. If he has your registration number his insurers will be able to find out if you are insured and who with.

You are running a risk..... would you want the S2000 uninsured just because you wanted to quible over £500...

///\oo/\\\

You really are dim SB.

He will probably have uninsured loss recovery. Your insurers or you will end up paying his excess.

Assuming he's successful, which he will be under the circumstances, his insurance will be clean and your's will be f*cked.

As it is you are probably breaching the terms of your insurance by not reporting it, potentially rendering you uninsured.

Every patch and paint job I've seen may look ok at first, but many deteriorate with age.

If it was me and some **** ran int the back of me and tried to fob me off with a chipsaway repair, I'd be claiming for physical injury, a brand new replacement part, damages for loss of future value and anything else I could think of.

If that **** then decided to play funny buggers and say I reversed into him, given that I had his name and address ....well, lets just say that justice would be done.

Woudl you want the hassle?

Ask him for three estimates from reputable garages and offer to pay him the lowest and get over it.

Sub97

Have to agree with the first part of ///\oo/\\\'s post.

I had a car written off because someone went into the back of me in a M-way pile up. Received 7.5k for the write off. Declared that twice now when renewing policies, complete recovery made from third party. Made a point of doing exactly the same policy online, just without the claim at all, every single insurer I tried it with quoted exactly the same for no claims, or a claim where 100% recovery was made.

Tripple'O G

Two opinions here....

One, people that claim for whiplash (WITHOUT HAVING IT) are scum and can't dare speak about morals when they're lying through their **** stained teeth just looking for a bit of extra cash and some time off work....thats that.

However Two,
Saxo Boy, £500 is a lot cheaper then going through the insurance ordeal, he'll probably be getting more out of it and your insurance will be going up....
pay the £500....then it's all done and dusted...and you'll be in better position in the longrun.

Milamber

iTrader: (2)

Do you seriously think that I hope that you never have whiplash.....

Tripple'O G

When I say whiplash, I mean it in the sense of they haven't got it.....but claim for it anyway....

Those people are scum....

Milamber

iTrader: (2)

I agree, they are, but don't dismiss whiplash as a made up injury and don't tar everyone with the same brush...

Tripple'O G

I beg your pardon?

Not at any point did I say it was a made up injury and anyone who does claim it without having it are scum....no exceptions.

PG

Nope, that was for a Scenic!
My Uncle used them for his A6. He got an A4 cab. @ ......wait for it......£260 per day ! That'll teach the woman who did a runner thinking that no one saw her hit the car ! Karma !

Milamber

iTrader: (2)

Before your edit that was how your original post came across, thats what prompted me to respond to you. You've now clarified your position

LG John

3 O' G really has tapped into something here. Most of the moral high-grounders that are slating me and the other party for not going through insurance for this are in the very same breath saying, 'if it was me I'd be claiming this, that and the next thing.' (i.e. exaggerating, taking the p*ss or downright lying to their own benefit) - the irony

Talked to the guy at length last night and we had a good reasonable conversation about the options. He's going to get a few more quotes and we'll take it from there. He's not about to lodge for whiplash because he's a real normal person and not some c*nt trying to get everything he can out of life

Avi

We got a Shogun from them as we needed something to tow a trailer when our lexus RX was in for repair, insurance tried giving us a megane and in the end it was the only option. £312 per day charged to the Biker's insurance. He came off at a roundabout and the bike went straight under the front of ours, luckily he slid the other way and wasn;t inured. Total insurance bill came to over £15000 in the end!! most of it hire car costs

andythejock01wrx

andythejock01wrx

No complaints at this.


Having said that, if anybody queries their high insurance premiums, take this and also think of all the solicitors' fees, solatium (whiplash), £400/day NHS treatment etc, etc..........

Milamber

iTrader: (2)

and the crap stock market, dodgy investments and then get disappointed at the £5.3 BILLION profit made by Norwich Union last year.

andythejock01wrx

Yep, and how much went to their staff - 34 Rupees !!

Ben v7

After reading this I am always going to go through the insurance if someone damages my car - purely because I don't want to find myself arguing the toss with someone like SB, after doing him a 'favour' by not going through insurance.

SB, you have damaged the guys car. You are not a mate of his, it was in no part his fault, so why shouldn't he be within his reasonable rights to demand his car be returned to the exact state it would of been in had he never met you! I wouldn't accept a fill and blow over job...

How much is it going to cost you anyway when you lose your no-claims as he goes through insurance over the long run?

Can't believe your suggesting denying it ever occured or that you'd use that as leverage because you could probably get away with it. Can't really trust anybody these days to do right by you - money is as usual the root of all evil. I won't be taking any chances like this guy did with you.

LG John

Ben before you go spouting off perhaps you should read the whole thread:

a) I have on many occassions stated that it is my intention to return the guys vehicle to its former condition or better as quickly as possible.
b) I have on numerous occassions states that I want to know the theoretical bottom legal line even though I would NOT under any circumstances try to wrangle out of it.
c) I have stated that I have had a lengthy conversation with the other party and have outlined my concers with the quote amount to him. He has been happy to accept that its unreaonable to go with the first quote and is investigating the other options.
d) During that conversation he explained to me the extent of the damage to the bumper and why a fill and paint would be inappropriate. I have stated on this thread that I accept that position and am now looking at the options with regards to a replacement bumper.
e) I have categorically stated time and time again that I'm not looking to be unreasonable about this. I want the guy to get his car back the way it was but I don't blindly accept quotes from anybody or any company in any circumstances. That is just common sense

davedipster

What are peoples views on just handing over cash at the time of a small bump?
On the understanding that no details would be exchanged, £200 in hard cash at the time would tempt most people.

Of course the other party could take note of your reg number and call the police at a later date, and deny all knowledge of the transaction?

ideas?

LG John

I think that would be well dodgy dave but I do know it happens.

andythejock01wrx

Yep, I think you'd have to consider the risk they'd come back for more !! I've come across cases where a payment has been denied !

Critical Bill

Is this still going on?

I would have reported you to my insurance company by now and if the other bloke has any sense then he will have too.

andythejock01wrx

What are you doing up at this time anyway Bill ?!

Critical Bill

I am taking a leaf out of Saxo Boy's tight fisted book by making the most of cheap rate electricity

StickyMicky

pikeys

enough said TBH

go though the insurance you bloody tight fisted Scottish grinch!!!
"ohh no then it will hammer my insurance, i cant have that"

wtf?

Leslie

///O\\\ etc.

You must be one of those dishonest people who get our insurance premiums increased if that is the way you are prepared to behave after an accident.

It might make you feel manly to admit to tell us about it but its certainly nothing to be proud about!

Les

LG John

You don't want to do that - I get raped for electricity. There have been numerous threads about it on here and I still can't get the bloody issue resolved!!

In my personal opinion people are too willing to just claim on the insurance whenever anything happens no matter how small, and I'm not just talking car insurance here. Furthermore, they also seem tempted to alter the facts to suit themselves so that they can get more out of the company. You know: 5 year old carpet, getting a bit tatty and wine gets spilt on it. Realistically a sustained attack with appropriate products would remove it but hey....that's what the insurance is for. Next thing they know its a whole new carpet and they are claiming the original one cost 50% more than they actually paid for it. These people and people that have no insurance whatsoever (in the case of vehicles) are the ones that cause us all to pay excessive amounts for cover. IMHO