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Somemone hit my parked car!

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  • 23-11-2014 5:05pm
    #1
    140490
    Registered Users Posts: 96 ✭✭


    Have no clue about what can be done,
    i found my car today rear bumper have 3 cracks and grill bit broken, its parked on public road beside my house
    What can i do call insurance ? Then what ?
    Few other info
    rear bumper is aftermarket bumper made of fiberglass thats why it did crack easy.
    I have only been 3 months with this insurance company Aib insurance.
    I have 1 year NCB
    i have a note from someone hit my front bumper but there was no damage so i called him saying nothing happened. Its busy free parking road thats why !
    what are my options ?

    Thanks for any help


Comments

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    #2
    lollsangel
    Registered Users Posts: 473 ✭✭lollsangel


    I presume you have an excess on your policy of 300 euros or more? I doubt a new bumper would cost that much. Whilst annoying I doubt you can do much but replace it, and its not worth losing your ncb for


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    #3
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    140490 wrote: »
    Have no clue about what can be done,
    i found my car today rear bumper have 3 cracks and grill bit broken, its parked on public road beside my house
    What can i do call insurance ? Then what ?
    Few other info
    rear bumper is aftermarket bumper made of fiberglass thats why it did crack easy.
    I have only been 3 months with this insurance company Aib insurance.
    I have 1 year NCB
    i have a note from someone hit my front bumper but there was no damage so i called him saying nothing happened. Its busy free parking road thats why !
    what are my options ?

    Thanks for any help

    What is the excess on your policy? Do you have comprehensive insurance?


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    #4
    140490
    Registered Users Posts: 96 ✭✭140490


    smcgiff wrote: »
    What is the excess on your policy? Do you have comprehensive insurance?

    I have third party fire and theft, i don't mind loosing my NCB,
    the problem is the bumper is an aftermarket bumper it can be repaired but new one must be ordered from uk !!


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    #5
    140490
    Registered Users Posts: 96 ✭✭140490


    Cannot upload pics as it saying too large :(


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    #6
    140490
    Registered Users Posts: 96 ✭✭140490


    Contacted repair garage i know he said repair would be around 200e and new bumper cost 250£ without fitting and respray


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    #7
    coylemj
    Registered Users Posts: 25,387 ✭✭✭✭coylemj


    140490 wrote: »
    I have third party fire and theft, i don't mind loosing my NCB,
    the problem is the bumper is an aftermarket bumper it can be repaired but new one must be ordered from uk !!

    TPFT won't cover it, you're on your own there.


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    #8
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    140490 wrote: »
    I have third party fire and theft, i don't mind loosing my NCB,
    the problem is the bumper is an aftermarket bumper it can be repaired but new one must be ordered from uk !!

    You cannot claim off your own insurance if you've not got comprehensive insurance.


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    #9
    colm_mcm
    Registered Users Posts: 73,431 ✭✭✭✭colm_mcm


    Did you get the note today? As in why not ring yer man back and tell him you've just noticed the back bumper. Did he shove your car into the one behind?


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    #10
    Ken.
    Closed Accounts Posts: 12,898 ✭✭✭✭Ken.


    Is there any shop or anything nearby that might have a camera pointed in your direction?. That's about the only hope you have of claiming off someone.


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    #11
    140490
    Registered Users Posts: 96 ✭✭140490


    colm_mcm wrote: »
    Did you get the note today? As in why not ring yer man back and tell him you've just noticed the back bumper. Did he shove your car into the one behind?

    That heppened a month ago, and there was no damage, this one is just today
    sorry for the mess


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    #12
    140490
    Registered Users Posts: 96 ✭✭140490


    ken wrote: »
    Is there any shop or anything nearby that might have a camera pointed in your direction?. That's about the only hope you have of claiming off someone.

    Nothing only houses its public road in housing estate


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    #13
    140490
    Registered Users Posts: 96 ✭✭140490


    Pic of my policy


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    #14
    140490
    Registered Users Posts: 96 ✭✭140490


    Pics of bumper there is also big crack not in pic


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    #15
    braddun
    Banned (with Prison Access) Posts: 1,221 ✭✭✭braddun


    look at your neighbors cars for damage


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    #16
    colm_mcm
    Registered Users Posts: 73,431 ✭✭✭✭colm_mcm


    They're unlikely to have any damage. You only need look at fibreglass bumpers and they'll crack


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    #17
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    140490 wrote: »
    Pic of my policy

    First line under first section. No dice I'm afraid.


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    #18
    Dartz
    Registered Users Posts: 4,372 ✭✭✭Dartz


    Judging by those pics they might not have even realise they touched you. A loose football might cause a crack like that.


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    #19
    mickdw
    Registered Users Posts: 23,321 ✭✭✭✭mickdw


    You cannot claim on that policy for own damage.


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