Panel beating cost

Sammy2012

I backed into a family members car yesterday . Its a 2018 Ford focus. I damaged the panel over the tire. Don't have pics as didn't think of take any. Will pay whatever it costs to repair but just wondering if anyone has any idea of rhe cost?

Grueller

Panel about €200. About the same again up to €300 for a good spray job and installed if no mounts or trims are damaged would be my guess. That's assuming front end of car. If its a rear quarter panel it will be more. Happy Christmas how are you.

Sammy2012

So around 500 in total then? It was the rear of the car though! So could be slightly more! Thanks.

Sammy2012

I also damaged my bumper so will have to get that tapped out. Luckily my car is a rav 4 and it just has the big plastic bumper so I'm assuming it should be failry straightforward

Grueller

https://www.boards.ie/discussion/comment/118375670#Comment_118375670

That would be my estimate but I am down the country and generally in rural areas jobs are cheaper to get done.

The plastic bumper can be either very cheap or very expensive. I can never guess by looking on the likes of those.

Best of luck with it.

mickdw

Impossible to say without photos.

If the wheel arch is all out of shape and needs a new quarter panel it will be major money and then owner might insist on whole side of car being resprayed to match. It's an 18 car so if it was mine I'd be wanting everything A1.

Sammy2012

https://www.boards.ie/discussion/comment/118375883#Comment_118375883

And fair enough if they do. It's totally my fault so it'll cost what it costs. Just was looking at an idea of what it would be. Will see in the new year I'm sure. They are going to bring it in and let me know. I'll pay for it once its done

Atlantic Dawn

If there's parking sensors on your bumper it can dramatically jump the price to fix.

Sammy2012

https://www.boards.ie/discussion/comment/118376011#Comment_118376011

None on mine! Although they would have saved me all this hassle if I had of had them!

mickdw

https://www.boards.ie/discussion/comment/118376000#Comment_118376000

I'm not doubting you but an awful lot of people say they are happy to pay but when the quote comes back for 3.5k, the **** hits the fan.

Sammy2012

https://www.boards.ie/discussion/comment/118376279#Comment_118376279

Well hopefully it wont be that! But if it is I'll have to claim on my insurance!

Sammy2012

I feel awful about it but my dad used to say if money can fix it its never too bad! And after the year I've had this year it's definitely very tru!

chicorytip

Does the owner of the vehicle you hit have insurance cover? I am presuming yes, so they should first get a quotation for the repair and then decide whether to claim against their own insurance or not. Judging by your description of the damage the cost could be around the thousand euro mark.

siblers

https://www.boards.ie/discussion/comment/118376571#Comment_118376571

Why would they claim against their own insurance when they weren't at fault?

Girl Geraldine

Why would they claim of their own insurance? They did nothing wrong.

They should be claiming against the ops insurance. That is what it is there for for god sake.

chicorytip

Remember, there are two vehicles involved here. The question of blame or who is at fault arises. Both parties, if comprehensively insured, would be entitled to claim against either their own or the other party's policy. That's the legal position in situations like this where there more than one vehicle involved. A completely different scenario would be, say, if I reversed my car into a concrete barrier in a multi-story car park. That would be a single vehicle incident so I would claim against my own insurance policy, obviously.

Car99

https://www.boards.ie/discussion/comment/118376700#Comment_118376700

Remember the OP said " I backed into a family members car" . I think fault has been decided.

Tom573

I would hardly recommend anybody going to insurance companies over such a relatively small incident, if it can be worked out between the parties, otherwise it could cost a lot more in the long run.

endacl

https://www.boards.ie/discussion/comment/118376700#Comment_118376700

Reads like one vehicle was stationary. Or, playing the part of the pillar, if you prefer?

bazz26

https://www.boards.ie/discussion/comment/118376700#Comment_118376700

I think your making this situation out to be more complicated than it actually is. The OP hit a stationary vehicle.

mickdw

https://www.boards.ie/discussion/comment/118376700#Comment_118376700

Ah for god's sake. Is he going to cause ww3 and tell the family member claim it on their own insurance? Ffs.

.

chicorytip

https://www.boards.ie/discussion/comment/118376723#Comment_118376723

Can you explain why it might cost more by making an insurance claim rather than paying from your own pocket? I would have thought the opposite would be the case. We have not seen photographs of the damage caused in this instance but we all know what can appear to be insignificant damage often ends up being very expensive to fix. I am talking in the range of seven hundred euro and far upwards.

2ndcoming

Never involve insurance if it can be avoided, they will get you either in loss of no claims or rise in premiums. Garages will charge triple to the insurance company, that's how it is. It does depend on the age of the car and paint finish as well of course, a 2020 5 series or E Class in pearlescent paint is going to cost a lot more than an 08 Focus and will require a more serious level of repair as well.

First off find a local panel beater and get a quote. Then find another to be sure they aren't fleecing you. The game is full of sharks sadly.

bazz26

The OP doesn't get to decide where the other person's car is repaired if the OP is at fault. The OP can get all the quotes they like but the other person decides who repairs their own car.

Toyotafanboi

"The game is full of sharks"

The lord jaysis...

jmreire

Get a quote from several panel beaters, and then decide if you want to pay yourself, or use your own insurance to cover the costs.

mickdw

The damaged party (the car owner) decide who repairs the car. Nobody else.

Deagol

I never understand this talk about not claiming off your own insurance 'as it will cost you in the long run'. Herself hit one of the barriers beside a fuel pump in a station and it was costing ~€3000 to repair. Had all the know it all's in the family telling us to pay it ourselves but I ignored them. Insurance went up by €150 the next year, was back to same following year and it's been lower every year since.

I do have a protected NCD with stepback, so NCD went to 60% after the claim for one year and then back to 75%.

I would say thanks though to all the eejits who never claim from their insurance even though they're paying for it.... as I guess it keeps all the rest of ours down a little ;)

Sammy2012

Okay first off I was at fault. Without a doubt, I backed into a stationary car! So there's mo doubting liability! No dispute from me there. When they get a quote I will decide what to do. Depending on the quote I will decide to claim from my insurance or pay it out of my own pocket! I would have taken the car and gotten it repaired locally next week but my family member want to take it themselves. So we shall see what they come back with. Again not my car so no choice in the matter! I'll take my own car to a local panel beater in the new year and get it fixed up!

I do have fully insured No claims bonus with step and as far as I know I can make one claim of up to 10k without this being affected. Thankfully I've never made a claim on my insurance in my 15 years of driving so if the cost is extortionate I will. Funny how different people think. Ill pay what I have to and be more careful in future. Accidents happen and I'm thankful I didn't hurt anyone only my own pocket.

mickdw

Everyone doesn't have your right mindedness though.

I had an accident with a dog. Owner said he would pay at roadside. He even spoke to Garda and said he was going to pay.

Got quote of 4700 and he went silent.

Had to claim on my own policy and insurer were saying they would recover costs from other party and delete the claim.

Insurer had zero interest after paying out. Didn't make any effort to recover and claim was left against me.

Sammy2012

https://www.boards.ie/discussion/comment/118378526#Comment_118378526

Thats terrible. No wonder insurance is such a rip off here! Well it's a family member and a close one at that so I'm not going to fall out with anyone over it. Lesson learned on my behalf.

I would be hoping I didnt cause that kind of damage to the car tho! But anything up to 1k I'll cover myself. If its more than that I'll seriously consider claiming on my insurance!

Deagol

https://www.boards.ie/discussion/comment/118378526#Comment_118378526

Probably would have cost them more to pursue it than they'd recover - if the dog owner had no insurance they may have been unable to pay it anyway. Can't get blood out of a stone after all. It sucks a bit but that is why you have insurance after all.

Sammy2012

https://www.boards.ie/discussion/comment/118378553#Comment_118378553

It is. Guess there's no point paying it and never using it

jmreire

https://www.boards.ie/discussion/comment/118378420#Comment_118378420

Of course the car owner has the final say, that's normal practice. Its just a question of which way they decide to go, either insurance or if the " at fault " driver decides to pay himself, and avoid affecting his no claim bonus ( I'm speaking in general terms here, and not specifically about this post)

jmreire

https://www.boards.ie/discussion/comment/118378526#Comment_118378526

I presume that his dog was responsible for the accident? And your insurance paid up, and said that they would go after him for their costs, but then did nothing? Could well be ( and most likely was ) a case of throwing good money after bad as far as they were concerned. Maybe he had no insurance ( if he had, 100% they would claim of them) and no prospects of a successful claim, even if they took him to court.

chicorytip

Insurance companies each have a list of repair shops that they recommend listed on the claim form. Is the claimant better off selecting one of these on the basis of lower cost rather than somebody the insurer has no relationship with?

I know many panel beaters won't deal with insurance companies at all and insist on straight cash transactions.

rock22

https://www.boards.ie/discussion/comment/118378540#Comment_118378540

If you have NCB protection then it probably makes more sense to let the insurance company deal with it, although, like you , i would be inclined to payout up to 1K.

However , this time last year, my car was struck by another in a supermarket car park. A scrape and slight dent. He decided to put it trough his insurance company and they nominated a 'preferred repairer'. The quote was over €1200 . When it came to actual do the repair, they gave me a replacement car for three days. But they had difficulty getting parts and I hade the replacement car for 10 days. I am not sure what that costs but i suspect up to another €1000.

Just to add body shops will try and take the piss if they think they can.

the mother took the whole rear quarter and door off her brand new Yaris a few years ago on the driveway pillar, absolutely destroyed it.

I got a few quotes of 3k and 2.5k then I sent pic to carcraft in Dublin and he did the whole thing for 1300 quid. The job was very good and I am a stickler, if it had come back with a hint of orange peel I would have made them respray it and I told them this before they did it.

people vastly overestimate the cost of body repairs , if you shop around you will get a good price but just ask to see previous work so you know they are not cowboys

Toyotafanboi

This has to be a late entry for thread of the year.

fatbhoy

https://www.boards.ie/discussion/comment/118382511#Comment_118382511

Yeah? Why's that?

rolling boh

just get the quotes for the damage and that should make the situation clear pretty quick hopefully not too much but expect them to be a bit higher than you may be thinking . Avoid main garages and say insurance is not involved good luck .

2ndcoming

https://www.boards.ie/discussion/comment/118378331#Comment_118378331

It f**kin is though, innit 🤷‍♂️

2ndcoming

https://www.boards.ie/discussion/comment/118378420#Comment_118378420

https://www.boards.ie/discussion/comment/118378182#Comment_118378182

Family member lads...

Say Christmas dinner is fun in ye're houses

bazz26

It was said to the people going off on a tangent talking about the OP getting multiple quotes themselves if they were not happy with the cost. The liable person has no say in where the car is repaired, family member or not.

Try and keep up.

2ndcoming

https://www.boards.ie/discussion/comment/118386457#Comment_118386457

It was me that said it. Don't get bogged down in pedantry - The same advice applies to their family member, obviously. Unless they want to be a geebag and saddle a loved one with unnecessary expense.

Try and keep up.

rolling boh

i think in general if it is a family member or close friend involved people would look for the cheaper fix but done as it should be and both sides are happy with the outcome .

bazz26

https://www.boards.ie/discussion/comment/118386466#Comment_118386466

You can label it pedantry if you wish but the basic fact still remains - the liable party doesn't get to decide. If they are not happy with the cost presented then let the insurance company handle it.

2ndcoming

https://www.boards.ie/discussion/comment/118386592#Comment_118386592

Pass the brussel sprouts 🤣

jmreire

Two different scenarios:

(1) The man who is at fault, has full comprehensive insurance, full no claims bonus protection etc. and duly reports it to his insurance and then goes with the owner to his dealership, who prepares an estimate, which is forwarded to the insurance. In due course, the insurance assessor arrives, inspects the car and agrees a repair figure,,,,,everything, car hire, depreciation etc. The person who caused the damage has nothing further to do at this stage, its all now between the owner, the Garage and the Insurance. So he shakes hands with his cousin / relative, apologies for the disruption, and go for a pint / coffee etc. End of story.

(2) Man at fault, only has basic 3rd party fire & theft.....no bonus protection etc. To makes matters worse, he has only 3/4 years no claims, and from his initial first insurance , which was very high ( as they tend to be ) to begin with, he now faces stepping back to Zero again, with all that entails price-wise. So he asks his cousin if he will be OK with trying to get 3 quotations, and accepting the lowest? Or does the owner want to get his own quotation from his garage, and he will pay, as he does not want to get his insurance involved unless he really has to, for the fore mentioned claim reasons. So, owner being a relative says, go ahead, get the best quotation you can, and I will accept that.

Or owner says, no dice, my car is too new, and I want it repaired by the dealership, as I will be trading it in to them, and I don't any problems when that happens. And the Garage quotation is pretty high, and the "hitter! has to put it through his insurance, and face the consequences. And as collateral damage, the family relationship might never be the same again.

Whocare

Personally my car got damaged few years ago minor enough damage door repair new skin ect and other driver wanted pay for damage in cash (it was 100-percent his fault caught cctv and garda call ect) so very next morning got two quotes from professional big crash repair place in cork more or less around same price for repair €1200 anyway phone him up and he had problem with quotes saying for ffs those crash repair places are well known for being expensive take to this place I was like 👍 good luck we go through insurance bye. Repair cost insurance company then 1500 with hire car and all . My advice would be good body work repair is expensive and people don't realise it so first sign of problems with paying for repair go insurance

jmreire

https://www.boards.ie/discussion/comment/118439252#Comment_118439252

It's always the owners right to accept or refuse a suggestion from whoever causes the damage. Only difference is what caused the damage, owner or 3rd party, if the owner is paying himself, he / she tend to go for the cheapest quote, and when the insurance is paying, the sky's the limit. But this can be explained too,,,,usually cheaper quotes will come from small independent Bodyshop's, with smaller over head's while main dealerships will be much higher, assuming they actually have a body shop on the premise's, or else they will sub-contract to an independent shop, and charge fees for their service.