Had a tip and person may be getting more than just the tip fixed and me to pay

rom

So the other week I had a tip. 5 miles an hour job. Very very little damage done to her car as in you would have to go looking for it. Mine was similar. I said her to get it fixed and pending price we would settle up or go through the insurance. I am fully comp with no-claims protection. After that she was in contact with me that her dad works in a dealer which is the same brand as the car and he will get it fixed but first contact me before the work is done. So I get a call today. Mechanic though she was my sister and started listing the jobs to be done many of which are nothing to do with the tip aka service etc. Now what should I do here. I am giving her the benefit of the doubt that she is just getting a service at the same time but as her dad works there it concerns me that this other work is being done. Should I ask for a fully itemized bill of all works carried out or something like that so I know what I have to pay ? What do you think. If it gets messy I will just go through the insurance out of principle as I don't want to be take for a ride.

listermint

Repair work should be carried out by an autobody shop not a conventional garage.

sunny2004

Just keep in mind something about insurance companies, they OFTEN just settle as holding their ground regarding small amounts of cash, and movign it forward legally is simply not cost effective...

I would explain your concerns and ask for a detailed brake down and then get a quote from the same company for some of the parts or work listed to make sure the price is not inflated...

Good luck, if they are on the make you are going to need it...

Paulw

Ask her to get 3 different estimates for the cost of repairing the damaged caused in the accident (tip).

Get a fully itimised list of work to be done and cost involved.

Be careful.

Alanstrainor

OP it's not up to you whether this goes through the insurance company or not. It's up to the other driver. Be careful.

rom

Ok so they came back to me 305 euro all in to fix it. This is for a new headlamp, fitting the bumper. think i will go through insurance now.

Anan1

rom wrote: »

Ok so they came back to me 305 euro all in to fix it. This is for a new headlamp, fitting the bumper. think i will go through insurance now.

In your position (ie with full NCB protection) i'd just let the insurance company take care of it.

goz83

That actually sounds reasonable for a new headlamp and fitting of bumper, Some bumpers need to be removed for headlamp to be removed/replaced. Your ncb may be protected, but your insurance will still be affected when renewal comes around.

rom

300 euro excess paid it. ah well. hope thats the end of it now.

Alanstrainor

305 was a pretty good price imo. I would've just paid it and got them to sign something saying it was resolved. Ah well, each to their own.

Jimbob 83

That was a reasonable price for the work being done, you honestly put in a claim over a fiver in the difference ? Im guessing your excess is around 300 quid

keithclancy

Jimbob 83 wrote: »

That was a reasonable price for the work being done, you honestly put in a claim over a fiver in the difference ? Im guessing your excess is around 300 quid

Thats crazy, even with NCB protection it only counts with the company your with.

If you move company they'll just ask if you've had a claim.

tossy

listermint wrote: »

Repair work should be carried out by an autobody shop not a conventional garage.

Repair work can be carried out be anyone she cares,the OP hit her car.

Paulw wrote: »

Ask her to get 3 different estimates for the cost of repairing the damaged caused in the accident (tip).

Get a fully itimised list of work to be done and cost involved.

Be careful.

OP can ask her to get 15 quotes it's up to her which one she wants to use.

Alanstrainor wrote: »

OP it's not up to you whether this goes through the insurance company or not. It's up to the other driver. Be careful.

Exactly,so many people are unaware of this.

dr.fuzzenstein

Looks like you where lucky OP.
Some people would claim for whiplash for themselves and their extended family who "allegedly" where in the car with them at the time.

Blazer

Very lucky Op with €300,
Mate of mine had a similiar tip about 2-3mph and he ended up having to pay out €1400 for a new bumper etc.
Like one of the other ops said..it's not up to you where she repairs her car.
It's 100% her call.

andyseadog

have i missed something here?

€305 quid real world money to repair the other parties car.
your insurance policy excess is €300...

and you claimed on your insurance?

why?

tarnishing your no claims record for a fiver?

Voodoomelon

lol, I was about to post the exact same thing. I'm stumped.

Pottler

Good call OP. I'd be cacking it over a €300 claim as well. I thought you were talking millions here... how lucky were you that you hit a nice person....

n97 mini

rom wrote: »

300 euro excess paid it. ah well. hope thats the end of it now.

Next year when you are shopping around for insurance you will be obliged to answer "yes" when you are asked if you've had any claims in the last 5 years. "No claims protection" only means your current insurer will turn a blind eye.

As others have said it made no sense to put this through your insurance for the sake of a fiver.

fasttalkerchat

andyseadog wrote: »

have i missed something here?

€305 quid real world money to repair the other parties car.
your insurance policy excess is €300...

and you claimed on your insurance?

why?

tarnishing your no claims record for a fiver?

Protected no claims. It also protects him should the come back later after realising that there was more damage not noticed before.

andyseadog

fasttalkerchat wrote: »

Protected no claims. It also protects him should the come back later after realising that there was more damage not noticed before.

but its only protected with your current insurer. everybody else with increase premiums because you have a claim, i'm sure even your current insurer will increase or at least try to increase you premium after a claim.

as was stated earlier, pay up front and get the other party to sign a statment saying they are satisfied with the outcome and they consider it dealt with or whatnot to that effect?

fasttalkerchat

andyseadog wrote: »

but its only protected with your current insurer. everybody else with increase premiums because you have a claim, i'm sure even your current insurer will increase or at least try to increase you premium after a claim.

as was stated earlier, pay up front and get the other party to sign a statment saying they are satisfied with the outcome and they consider it dealt with or whatnot to that effect?

That's what I thought about protected NCB but I heard that it actually does keep the premium at the same price. I never bothered with protected NCB myself.

Also, If someone hit me I wouldn't sign to say it was dealt with because that would go against me should I notice a warped panel later.

ShadowHearth

Alanstrainor wrote: »

305 was a pretty good price imo. I would've just paid it and got them to sign something saying it was resolved. Ah well, each to their own.

305 is a very good quite indeed. OP might have found a first honest person in the world when it comes to insurance claims.
Though I would get a signed paper of her that she has no more problems with op regarding the damage after he hands in money.

Wexfordian

andyseadog wrote: »

have i missed something here?

€305 quid real world money to repair the other parties car.
your insurance policy excess is €300...

and you claimed on your insurance?

why?

tarnishing your no claims record for a fiver?

It read the other way to me, there was a €300 excess so he just paid it instead. Not sure though.

_Kaiser_

Wexfordian wrote: »

It read the other way to me, there was a €300 excess so he just paid it instead. Not sure though.

Yep, need clarification from the OP but I read it this way as well

goz83

fasttalkerchat wrote: »

Also, If someone hit me I wouldn't sign to say it was dealt with because that would go against me should I notice a warped panel later.

If someone is paying you directly, you should be signing to say that you agree to that amount and you're satisfied with it. It's still a claim, but it's paid by the offender, rather than the insurance. Once a claim is settled, that's it! Over and done with an no come back later.

However, if there was a hospital visit and possible recurring injury/pain, it would be ok to state that the damage to the vehicle has been recovered, but there may be outstanding personal injury within a time frame. I personally would not agree to this and would let the insurer deal with it, but each to their own.

It does look like the OP paid the €305, because the excess was €300 anyway. The way he wrote it was not very clear though.

Yawns

Wexfordian wrote: »

It read the other way to me, there was a €300 excess so he just paid it instead. Not sure though.

Nope I think he went through insurance company.

Ok so they came back to me 305 euro all in to fix it. This is for a new headlamp, fitting the bumper. think i will go through insurance now.

OP I seriously hope you know that your NCB is only protected with your current company and that they can still increase your premium.

The way they look at it, you will be stuck with them if you want your full NCB and any claim of any sort you will have to divulge to other insurance companies for the next 5 years. Hope it's worth it for a €5.

In these days €305 for fixing a car with work carried by a dealer strikes most of us in here as an honest person who only fixed what was broken so to speak. Very good of her. I'd have paid it out of my own pocket and bought her a nice bottle of wine for an apology for the inconvience caused. Seems like she won't be trying to claim whiplash and believe me I know plently who would have had an ambulance called in your situation.

Kenny Logins

ShadowHearth wrote: »

305 is a very good quite indeed. OP might have found a first honest person in the world when it comes to insurance claims.
Though I would get a signed paper of her that she has no more problems with op regarding the damage after he hands in money.

I had an 'encounter' with a car belonging to a very honest and decent man when I was learning to drive. I left a note and a couple of days later he called to say he found paint that almost matches his door, but he may need two tins at a fiver each.

djimi

goz83 wrote: »

However, if there was a hospital visit and possible recurring injury/pain, it would be ok to state that the damage to the vehicle has been recovered, but there may be outstanding personal injury within a time frame. I personally would not agree to this and would let the insurer deal with it, but each to their own.

Notify your insurer of the accident so that they have it on record, but pay for the repairs out of your own pocket. That way there is no claim against you, but if they do come back at a later date with injury claims or whatever you can then you through your insurer as they have a record of the accident.

No way on earth I would touch the insurance for €300 in costs. Even with protected NCB it would cost many times that in increased insurance payments for the next few years, and would seriously limit your ability to move insurance companies. The notion of hurting your insurance for the sake of maybe €100 is utterly laughable.