Advice on paying for repair

Diceicle

I grazed a car in a car park recently and we are getting it sorted without the insurance - the damage is negligible and cost of repair very small.
My question is, is there anything I need to be aware of in getting this sorted that doesn't leave me on the hook for a claim the following day?
I don't think that scenario is likely - but I want to know all the angles.
The car owner has come back with a very fair quote - if I go and give him cash whats to stop a subsequent claim?

Henry Ford III

Diceicle wrote: »

I grazed a car in a car park recently and we are getting it sorted without the insurance - the damage is negligible and cost of repair very small.
My question is, is there anything I need to be aware of in getting this sorted that doesn't leave me on the hook for a claim the following day?
I don't think that scenario is likely - but I want to know all the angles.
The car owner has come back with a very fair quote - if I go and give him cash whats to stop a subsequent claim?

If you've paid for the damage it's over.

Get a note signed that acknowledges the payment and that confirms it's for "full and final" settlement of the damage.

p.s. I assume there's no personal injuries?

dsmythy

Diceicle wrote: »

I grazed a car in a car park recently and we are getting it sorted without the insurance - the damage is negligible and cost of repair very small.
My question is, is there anything I need to be aware of in getting this sorted that doesn't leave me on the hook for a claim the following day?
I don't think that scenario is likely - but I want to know all the angles.
The car owner has come back with a very fair quote - if I go and give him cash whats to stop a subsequent claim?

An unscrupulous individual might claim injury afterwards.

Try get it written down.

Diceicle

No, no injuries. More damage done to my own car and it was essentailly a graze - some t-cut would almost cover it.
The guy I've been dealing with has been reasonable and the bill for repair is less than 200 so its not like its big money at play - but I like to be covered in these scenarios.

marcos_94

Diceicle wrote: »

No, no injuries. More damage done to my own car and it was essentailly a graze - some t-cut would almost cover it.
The guy I've been dealing with has been reasonable and the bill for repair is less than 200 so its not like its big money at play - but I like to be covered in these scenarios.

One thing Id recommend doing which I did when someone grazed my car was have them pay for the repair directly - so I had the person pay the garage directly over the phone for the repair. For you it means that there isnt any funny business and youre only paying for the repair.

Del2005

marcos_94 wrote: »

One thing Id recommend doing which I did when someone grazed my car was have them pay for the repair directly - so I had the person pay the garage directly over the phone for the repair. For you it means that there isnt any funny business and youre only paying for the repair.

There's no requirement for the person to repair the car, you are compensating them for the damage you caused.

mk7r

Henry Ford III wrote: »

If you've paid for the damage it's over.

Get a note signed that acknowledges the payment and that confirms it's for "full and final" settlement of the damage.

p.s. I assume there's no personal injuries?

Any piece of paper like that is not worth anything. There is no way to be 100% sure people won't try make a claim afterwards unfortunately, it comes down to trust

cpoh1

Henry Ford III wrote: »

If you've paid for the damage it's over.

Get a note signed that acknowledges the payment and that confirms it's for "full and final" settlement of the damage.

p.s. I assume there's no personal injuries?

Literally not worth the paper its written on. You have covered the cost of their mechanical claim and this does not negate nor impinge on their right to claim subsequently for personal injury.

kaahooters

look, go through the insurance, itll be far safer.

cml387

You don't have to go through the insurance. However you must inform the insurance company of the incident, tell them there won't be a claim.
Then if for some reason the guy is not as nice as he seems, you're covered.

Henry Ford III

It's small bananas - €200 odd. That'll hardly exceed the excess. Pay it off yourself O.P.

colm_mcm

kaahooters wrote: »

look, go through the insurance, itll be far safer.

Worth risking it for €200 tbh.