Car park small accident query

A1404

Right folks another insurance thread i know....

Was sitting in my car in car park when some old men trying to park next to me scratches my front bumper ( deep scratches ), he said that its his fault and he is about to go to Specsavers as he cannot see quite good!!
Felt sorry for him, but it did happen to me before same thing with another elderly woman so i let it go that time as i felt sorry for her and my car was old and scratched already. Now this is new car and im not happy with this scratches on front bumper.

He said he is happy to pay for repair himself, fair enough, went to bodyshop repair got a quote of €200 plus vat for the work and it will cost me two days out of work as need the car for work, but your man isn't happy with quote and saying it could be done with juat paint and brush!

What should i do, call his insurance or mine or what to do with him!!

Any help would be appreciated

runawaybishop

Straight on to your insurance company with his details.

Fann Linn

A1404 wrote: »

Right folks another insurance thread i know....

Was sitting in my car in car park when some old men trying to park next to me scratches my front bumper ( deep scratches ), he said that its his fault and he is about to go to Specsavers as he cannot see quite good!!
Felt sorry for him, but it did happen to me before same thing with another elderly woman so i let it go that time as i felt sorry for her and my car was old and scratched already. Now this is new car and im not happy with this scratches on front bumper.

He said he is happy to pay for repair himself, fair enough, went to bodyshop repair got a quote of €200 plus vat for the work and it will cost me two days out of work as need the car for work, but your man isn't happy with quote and saying it could be done with juat paint and brush!

What should i do, call his insurance or mine or what to do with him!!

Any help would be appreciated

Matt or Gloss?

tuxy

The price you gave him was more than fair. You tried to do him a favour and he rejected it. Insurance it is.

riemann

A1404 wrote: »

Right folks another insurance thread i know....

Was sitting in my car in car park when some old men trying to park next to me scratches my front bumper ( deep scratches ), he said that its his fault and he is about to go to Specsavers as he cannot see quite good!!
Felt sorry for him, but it did happen to me before same thing with another elderly woman so i let it go that time as i felt sorry for her and my car was old and scratched already. Now this is new car and im not happy with this scratches on front bumper.

He said he is happy to pay for repair himself, fair enough, went to bodyshop repair got a quote of €200 plus vat for the work and it will cost me two days out of work as need the car for work, but your man isn't happy with quote and saying it could be done with juat paint and brush!

What should i do, call his insurance or mine or what to do with him!!

Any help would be appreciated

200 is nothing, he should have given you the cash on the spot.

Going through insurance is hassle but at least your car will be fixed correctly. They will also provide you with courtesy car while work being done.

Tell the old man he should have gone to maths class.

Marhay70

A1404 wrote: »

Right folks another insurance thread i know....

Was sitting in my car in car park when some old men trying to park next to me scratches my front bumper ( deep scratches ), he said that its his fault and he is about to go to Specsavers as he cannot see quite good!!
Felt sorry for him, but it did happen to me before same thing with another elderly woman so i let it go that time as i felt sorry for her and my car was old and scratched already. Now this is new car and im not happy with this scratches on front bumper.

He said he is happy to pay for repair himself, fair enough, went to bodyshop repair got a quote of €200 plus vat for the work and it will cost me two days out of work as need the car for work, but your man isn't happy with quote and saying it could be done with juat paint and brush!

What should i do, call his insurance or mine or what to do with him!!

Any help would be appreciated

He is entitled to get a quote himself. Offer him that and if either of you are not satisfied with that, contact your insurance co with details of the incident and ask them to pursue a claim against his insurance, assume you have his details.

A1404

Its gloss paint i suppose, Black 131 volkswagen.
I read few threads here, some people suggest to contact his insurance not mine or both? Im named driver on policy does that make any difference!

I have his insurance details

Dr Turk Turkelton

Marhay70 wrote: »

He is entitled to get a quote himself. Offer him that and if either of you are not satisfied with that, contact your insurance co with details of the incident and ask them to pursue a claim against his insurance, assume you have his details.

He's entitled to fcuk all.

Pkiernan

Marhay70 wrote: »

He is entitled to get a quote himself...

No he's not.

Hellrazer

Marhay70 wrote: »

He is entitled to get a quote himself.

To be honest hes not really entitled to go off and get an estimate for the damage himself. Hes agreed its his fault so its down to the owner of the vehicle as to where its repaired. They could have gotten a quote for a grand and he`d still be liable for it.
€200.00 for a bumper repair is nothing. He should have paid on the spot.

The problem with letting the person that caused the incident get their own estimate is that who knows where hes going to bring it?Who knows what type of repair will be done to a new car like in the OPs case.

contact your insurance co with details of the incident and ask them to pursue a claim against his insurance, assume you have his details.

This ^^^^ is the only way to handle any accident. People are very willing at the time of the accident to say they`ll pay for the repair themselves but when the actual cost is laid out to them they change very quickly in my experience.

Better off just going down the insurance route and letting them deal with the hassle.

sunnysoutheast

Marhay70 wrote: »

He is entitled to get a quote himself. Offer him that and if either of you are not satisfied with that, contact your insurance co with details of the incident and ask them to pursue a claim against his insurance, assume you have his details.

No he isn't entitled to get his own quote. That's when you inevitably end up messed around if you try to do someone a favour.

Op - get a quote from the place you're happy with to do the repair. If he doesn't cough up the cash there and then just claim off his insurance.

He can always buy the claim off his insurance company if he wants.

runawaybishop

A1404 wrote: »

Its gloss paint i suppose, Black 131 volkswagen.
I read few threads here, some people suggest to contact his insurance not mine or both? Im named driver on policy does that make any difference!

I have his insurance details

Tell your insurance crowd, they will handle it from there.

mgbgt1978

The Op's own Insurer will only be of use if he has Fully Comp. If he has 3rd party only they cannot (and will not) do anything.
In fairness, for €200 the worst thing the OP could do is get his own Insurer involved. They will pay to get the Car repaired....and then attempt to recoup the money from the other Driver's Insurer.
Meanwhile the OP has a Claim on his own Insurance meaning that he will find it impossible to get insured elsewhere if it's not sorted before his renewal. And his current Insurer will also jack up his renewal Premium as he has a claim for which they have not been recompensed.
Assuming he has the other driver's Insurance details he should simply claim directly from them.

xabi

mgbgt1978 wrote: »

The Op's own Insurer will only be of use if he has Fully Comp. If he has 3rd party only they cannot (and will not) do anything.
In fairness, for €200 the worst thing the OP could do is get his own Insurer involved. They will pay to get the Car repaired....and then attempt to recoup the money from the other Driver's Insurer.
Meanwhile the OP has a Claim on his own Insurance meaning that he will find it impossible to get insured elsewhere if it's not sorted before his renewal. And his current Insurer will also jack up his renewal Premium as he has a claim for which they have not been recompensed.
Assuming he has the other driver's Insurance details he should simply claim directly from them.

Completely wrong.

mgbgt1978

Completely wrong ???
Go on. I'm curious.

xabi

mgbgt1978 wrote: »

Completely wrong ???
Go on. I'm curious.

You should always inform your own insurance even if it isn’t your fault. It won’t affect his premium at all, that’s what you pay the insurance company for, let them sort it out.

iwillhtfu

Fann Linn wrote: »

Matt or Gloss?

Emulsion

mgbgt1978

xabi wrote: »

You should always inform your own insurance even if it isn’t your fault. It won’t affect his premium at all, that’s what you pay the insurance company for, let them sort it out.

And where did I tell the OP not to inform his own Insurer about this ?
I didn't mention whether or not he should inform his Insurer about the incident.

I advised him not to make a claim through them.
His own Insurer will only pursue another Insurer for money that they have already paid out. That would be where the Op made a claim on his own (fully comp )policy and because it wasn't his fault his Insurer would then go after the other driver's insurer for this money.
Until they get this money back the OP would have made a claim on his own policy.
It's fairly simple.
And you pay your Insurance Company to cover you when you plough into the back of somebody's car and you need them to cover the cost of that car and all of the personal injury costs that occurred, etc, etc.


So, anything else 'completely wrong' with the post ?

xabi

mgbgt1978 wrote: »

And where did I tell the OP not to inform his own Insurer about this ?
I didn't mention whether or not he should inform his Insurer about the incident.

I advised him not to make a claim through them.
His own Insurer will only pursue another Insurer for money that they have already paid out. That would be where the Op made a claim on his own (fully comp )policy and because it wasn't his fault his Insurer would then go after the other driver's insurer for this money.
Until they get this money back the OP would have made a claim on his own policy.
It's fairly simple.
And you pay your Insurance Company to cover you when you plough into the back of somebody's car and you need them to cover the cost of that car and all of the personal injury costs that occurred, etc, etc.


So, anything else 'completely wrong' with the post ?

No one advised the OP to claim on his own insurance, the advice was to inform them of the accident. You then said the worst thing the OP could do was get his insurer involved. Apologies if I picked you up wrong.

mgbgt1978

Anybody who advised the OP to 'let his own insurer sort this out' is advising him to claim from his own insurer. That is what other posters did. Nobody told him to just 'inform his Insurer'
That is the only way his own crowd can be involved. They will not put in a claim against the other Party's insurer on his behalf. It just doesn't work that way.

xabi

mgbgt1978 wrote: »

Anybody who advised the OP to 'let his own insurer sort this out' is advising him to claim from his own insurer. That is what other posters did. Nobody told him to just 'inform his Insurer'
That is the only way his own crowd can be involved. They will not put in a claim against the other Party's insurer on his behalf. It just doesn't work that way.

Not in my experience, and I don’t think that’s what people were suggesting. I was rear ended once and all I did was call my insurer and gave them the details, they sorted it all out, so I assumed all insurers are the same.

mgbgt1978

Then it would be a sure bet that you have fully comp. Your insurer picked up the tab and then went after the other guy's insurance company to recoup their outlay.
If they didn't succeed in getting their money back, that would have turned out to be a nightmare for you.

A1404

Appreciate all the replies guys

I have third party cover only, the man involved with accident doesn't have my insurance details only my phone number.

He is suggesting that we go on Tuesday to a garage so he can try to convince them to just use paint and brush for few euros and job done. ( he was im the car park going to Specsavers as he cannot see a thing, his car was dented and scratched all around)

I did read many threads about the same subject but can't seem to find an answer to which insurance i need to call !

A1404

Can those scratches be buffed off or fixed with paint and small brush?

https://ibb.co/epFfJL

troyzer

A1404 wrote: »

Can those scratches be buffed off or fixed with paint and small brush?

https://ibb.co/epFfJL

Maybe. They don't look too bad. My 05 Yaris has these all over the place but when they get that old, you stop caring.

Effects

A1404 wrote: »

Can those scratches be buffed off or fixed with paint and small brush?

It's scratched below the paint, you can't buff that out.

sunnysoutheast

A1404 wrote: »

Appreciate all the replies guys

I have third party cover only, the man involved with accident doesn't have my insurance details only my phone number.

He is suggesting that we go on Tuesday to a garage so he can try to convince them to just use paint and brush for few euros and job done. ( he was im the car park going to Specsavers as he cannot see a thing, his car was dented and scratched all around)

I did read many threads about the same subject but can't seem to find an answer to which insurance i need to call !

Is it your car or someone else's? You've said you were a named driver on another post? I think it may have to be the owner who deals with it.

Either way I wouldn't even be entertaining the liable party "convincing" anyone to do a shoddy repair to save them money.

Just claim on their insurance directly if they don't play ball.

tuxy

Leaving it as is will probably look better than trying to just brush over it and as said buffing is not an option.
If it was me I'd either let it go or get it repaired to a high standard no in between.
You need to call your insurance and explain what happened and give all details. Explain that he has admitted liability.

sunnysoutheast

tuxy wrote: »

Leaving it as is will probably look better than trying to just brush over it and as said buffing is not an option.
If it was me I'd either let it go or get it repaired to a high standard no in between.
You need to call your insurance and explain what happened and give all details. Explain that he has admitted liability.

Only has third party.

runawaybishop

mgbgt1978 wrote: »

Anybody who advised the OP to 'let his own insurer sort this out' is advising him to claim from his own insurer. That is what other posters did. Nobody told him to just 'inform his Insurer'
That is the only way his own crowd can be involved. They will not put in a claim against the other Party's insurer on his behalf. It just doesn't work that way.

I was in an accident a while back, 3rd party insurance. I rang my insurance company who dealt with everything, including booking my car in for repairs and organising a loan car from the garage. All through the other guys insurance which I provided to them.

tuxy

runawaybishop wrote: »

I was in an accident a while back, 3rd party insurance. I rang my insurance company who dealt with everything, including booking my car in for repairs and organising a loan car from the garage. All through the other guys insurance which I provided to them.

Yup that's how it works, it's your insurance that you have a contact with and it's their job to deal with all this.

Masala

runawaybishop wrote: »

I was in an accident a while back, 3rd party insurance. I rang my insurance company who dealt with everything, including booking my car in for repairs and organising a loan car from the garage. All through the other guys insurance which I provided to them.

I presume other guy filled in his insurance company and signed off on some paperwork. You can't just send in someone insurance details to your own insurance company any say 'claim the repairs off this policy number'.

tuxy

Masala wrote: »

I presume other guy filled in his insurance company and signed off on some paperwork. You can't just send in someone insurance details to your own insurance company any say 'claim the repairs off this policy number'.

Your insurance company will contact the other company who will contact their client.
If it's a clear cut case all cost will be at the expense of the other company.

Masala

tuxy wrote: »

Yup that's how it works, it's your insurance that you have a contact with and it's their job to deal with all this.

But the other party has to play ball. The guy in this thread doesn't seem to want to cooperate and without him admitting liability... the cost stays on the OP policy

tuxy

Masala wrote: »

But the other party has to play ball. The guy in this thread doesn't seem to want to cooperate and without him admitting liability... the cost stays on the OP policy

No cost, he's 3rd party and only his car damaged so it would just be dropped if it went against him.

To start a claim process against someone you contact your own insurance.
It may work out best for the old man if it comes out of his insurance as he probably won't be on the road for much longer if he can't see.

Blazer

frak him..he admits he needs glasses so he shouldn't be on the road while waiting for an eye test if he's that bad.
Go through his insurance and tell him to get lost..he had his chance.

Eggs For Dinner

Your insurance company will have no involvement (or right to) pursue a claim on your behalf from a 3rd party unless they have processed a claim under your own policy first and are seeking a recovery. It's known a subrogation.

What can happen, if you use a broker, is that they will refer you to specialist solicitors who will pursue the 3rd party on your behalf without involving your policy. This is totally independent of your insurance cover

sligopaul

what about the damage to the wheel

runawaybishop

runawaybishop wrote: »

I was in an accident a while back, 3rd party insurance. I rang my insurance company who dealt with everything, including booking my car in for repairs and organising a loan car from the garage. All through the other guys insurance which I provided to them.

tuxy wrote: »

Yup that's how it works, it's your insurance that you have a contact with and it's their job to deal with all this.

This is 100% not how it worked/is working for a family member who recently had an fairly bad crash (from a damage not injury point of view) where the other person was at fault.

Rang their own insurer who said that unless they want to claim through them then contact the other persons insurer to find out if they are accepting liability (which they weren’t). Since that it’s been up to them to talk with the other persons insurer a number of times and then update their own insurer. The only way your own insurer will look after it is if you claim off them and then let them persue the other insurer for costs and that is a big risk as unless they recover all costs then it’s a claim for you. In this still ongoing case it would have been setteled 50/50 without doubt had they gone down this road as it’s only our own leg work which has got the evidence in front of the insurers to prove it was 100% the other drivers fault.

Insurance companies are gangsters I wouldn’t trust one single thing they say.

mgbgt1978

tuxy wrote: »

Yup that's how it works, it's your insurance that you have a contact with and it's their job to deal with all this.

For the last time....the OP is a named driver on a TPFT . policy. His own insurer cannot,and will not, do anything.
If you believe otherwise you are completely deluded.

Seth Brundle

A1404 wrote: »

I have third party cover only, the man involved with accident doesn't have my insurance details only my phone number.

Do you have his insurance details?

A1404 wrote: »

He is suggesting that we go on Tuesday to a garage so he can try to convince them to just use paint and brush for few euros and job done. ( he was im the car park going to Specsavers as he cannot see a thing, his car was dented and scratched all around)

Is he covering your costs to traipse around getting quotes? Is this a garage you would choose to get the work done in? Be very careful as this fella is obviously a cheapskate trying to get out of it as cheap as he can.
Personally I'd tell him to feck off. You gave him a very reasonable quote and he said no. Why are you facilitating him now? Tell him that you will go through his insurance which overall will cost more and he will in all likleihood have to pay the excess which probably is more than you quoted him. See what he says then about DIY with a feckin paintbrush!

A1404 wrote: »

I did read many threads about the same subject but can't seem to find an answer to which insurance i need to call !

You can (should?) let your own insurance company know of the incident but tell them you are claiming from his policy.
You also need to make a claim from his policy by contacting his insurance company.
It may be no harm to give the details of the incident to the gardai. If his eyesight is that bad then it's only a matter of time before he kills someone.

mgbgt1978

When/if the OP is making a claim from the other guy's insurer one of the 1st things they will ask for is the Garda report number.
Without this they will not go any further.



As for how long it takes to get his money.....I have my own opinion on this, I'm sure others more closely aligned with the Insurance Industry have theirs . That is a slightly different issue. which I'm sure the OP can tell us about as his claim progresses.

Eggs For Dinner

mgbgt1978 wrote: »

When/if the OP is making a claim from the other guy's insurer one of the 1st things they will ask for is the Garda report number.
Without this they will not go any further.

.

Given that Gardai rarely attend damage only incidents, Insurers don't take this in to consideration. There is a requirement to report accidents, no matter how small, but in practice it doesn't happen and there is no penalty for not doing it. Focus would be on driver statements, independent witnesses and dashcam footage

mgbgt1978

Three different extended family members involved in separate no-fault incidents in the past ten years. One was very minor but involved a foreign national Learner driving while unaccompanied and claiming that he was reversed into at a Roundabout .

In each case there were no independent witnesses.
Guards were called to the scene each time. In only one case they never showed up (this was only 200m from a major Garda station and involved a totally written-off Car....but anyway).
Every time the other party's Insurer requested a Garda report number. When this was questioned the reason given (every time) was that even though the Guards didn't witness the accident their opinion was considered to carry a lot of weight.
I know you're in the business Eggs, but this may probably be just a stalling tactic, or an attempt to ensure the claimant has everything in order and wasn't worried about getting the Guards involved.
Also the only case which was settled quickly and without months of farting around (before getting a solicitor to fire off a letter) was the only one where both Parties had the same Insurer...and there was the possibility of a personal injuries claim, which BTW didn't follow.

d9oiu2wk07blr5

A1404 wrote: »

Appreciate all the replies guys

I have third party cover only, the man involved with accident doesn't have my insurance details only my phone number.

He is suggesting that we go on Tuesday to a garage so he can try to convince them to just use paint and brush for few euros and job done. ( he was im the car park going to Specsavers as he cannot see a thing, his car was dented and scratched all around)

I did read many threads about the same subject but can't seem to find an answer to which insurance i need to call !

Notify your own insurer telling them about accident but contact his company & tell them that you're claiming off his policy. Go to Gardai & report accident. Go to authorised repair shop & get a quote if you haven't already done so. When claim is settled also make sure that you contact your own insurance to tell them claim is closed.

Eggs For Dinner

mgbgt1978 wrote: »

Every time the other party's Insurer requested a Garda report number. When this was questioned the reason given (every time) was that even though the Guards didn't witness the accident their opinion was considered to carry a lot of weight.

.

If there is a Garda report, of course it will help. I was responding to your comment that without it, the 3rd party's insurer will go no further. That is not the case

turbot

OP, firstly, they’re called bumpers because they sometimes touch in course of ordinary use.

But secondly, if this old guy (age unspecified) is retired / on basic pension, he may barely be able to afford it.

He seems to be trying to do right thing too - but might not realise price. So before rushing to claim, just take a step back. €200 is perhaps just better paid out of your pocket if you have decent job etc.

beertons

Do the auld boy's insurance company know he's driving around without glasses/newer prescription. I'd think not.

turbot

turbot wrote: »

OP, firstly, they’re called bumpers because they sometimes touch in course of ordinary use.

But secondly, if this old guy (age unspecified) is retired / on basic pension, he may barely be able to afford it.

He seems to be trying to do right thing too - but might not realise price. So before rushing to claim, just take a step back. €200 is perhaps just better paid out of your pocket if you have decent job etc.

You can’t be serious?? No way should the op pay out of his own pocket.

Lantus

Marhay70 wrote: »

He is entitled to get a quote himself. Offer him that and if either of you are not satisfied with that, contact your insurance co with details of the incident and ask them to pursue a claim against his insurance, assume you have his details.

He certainly is not. Contact his insurance and provide all the pics you took at the scene of both cars.

A1404

turbot wrote: »

OP, firstly, they’re called bumpers because they sometimes touch in course of ordinary use.

But secondly, if this old guy (age unspecified) is retired / on basic pension, he may barely be able to afford it.

He seems to be trying to do right thing too - but might not realise price. So before rushing to claim, just take a step back. €200 is perhaps just better paid out of your pocket if you have decent job etc.

I don't have a decent job, he has he gave me his business card, same situation happened to me with my previous car in same car park ( car park in southside of dublin full of elderly people) an old woman +80 scratched my front bumper quite bad i felt sorry for her so i let it go as my car has already scratches around, and was a nightmare selling that car with bad body condition.
I cannot afford to fix this myself as im in bad financial situation lately.
We still decided to meet on Tuesday in garage that he choose to get a quote and we will see what he will decide to do.
I don't want to go through insurance route myself as its quite a hassle and i have nothing to hide just don't have the time to deal with this.