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Car scraped while parked

2

Comments

  • Registered Users, Registered Users 2 Posts: 277 ✭✭hello2020


    what's the rule about car doors hitting/touching other cars in tight car parks we have in Dublin? Its so difficult to come out of car after parking from both sides as parking space is becoming smaller n smaller.



  • Registered Users, Registered Users 2 Posts: 1,457 ✭✭✭SharkMX


    Sat in my car in a car park once and watched a woman belt into a parked car. The bumper came off altogether.

    She got out to check her car. Looked around and didnt see anyone and got in the car and drove off.



  • Registered Users, Registered Users 2 Posts: 10,096 ✭✭✭✭CoBo55


    Did you report her or leave a note for the car owner?



  • Registered Users, Registered Users 2 Posts: 1,457 ✭✭✭SharkMX


    I left a note with my phone number and the reg on the damaged car. He called me and you can guess what the outcome was. I'll put you out of your suspense if you cant. He got nowhere with either shopping center or gardai.



  • Registered Users, Registered Users 2 Posts: 10,096 ✭✭✭✭CoBo55


    Fair play to you. I wouldn't let it go I'd haunt the cops for her insurance details especially when there was an eye witness. With her reg the other person's insurance company could chase her.



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  • Registered Users, Registered Users 2 Posts: 7,436 ✭✭✭bladespin


    Scraped a car vs running over a child - strong Karening there.

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  • Registered Users, Registered Users 2 Posts: 7,436 ✭✭✭bladespin


    Do you really have to ask? If you hit another car you are responsible.

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  • Registered Users, Registered Users 2 Posts: 1,253 ✭✭✭Whocare


    If someone wasn't Knocking on dead door 🚪 Prosecuted away



  • Registered Users, Registered Users 2 Posts: 272 ✭✭pummice


    Thats a very good point. I personally think that some supermarkets (like dunnes and supervalu) are partly to blame, because their car park spaces are too small and have never been resized and repainted. Over the years the size of cars has increased. The newer ones like aldi and lidl are much better, especially lidl, and I would say there are less of this type of problem in these stores than the others.



  • Registered Users, Registered Users 2 Posts: 6,145 ✭✭✭masterboy123


    Update:

    So the CCTV camera has footage that a man in his car hit my car while reversing and you can see my car taken the shock. The security guard told me it's difficult to read the licence plate but he said Gardai maybe able to read it.

    Car insurance notified and they will send an investigator.

    Looks like I may be able to find the culprit.

    If not, atleast we tried 😀



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  • Registered Users, Registered Users 2 Posts: 3,154 ✭✭✭Eggs For Dinner


    Your insurer will only assess your damage in case you want to submit a claim under your policy. They are not going to pursue the other driver on your



  • Registered Users, Registered Users 2 Posts: 254 ✭✭Stephenc66


    My experience of a similar situation I returned to my car in a carpark, a very upset woman approached to say she had scraped against my car leaving the space beside me. To be honest my car was so dirty I never noticed.

    This was 3 days before Christmas. A few text messages and we agreed leave it till after Christmas. I provided them with a quote from a body shop. Her husband rang and asked if I would use their man for the repairs another reputable body shop.

    I left my car in on the agreed date picked it up the following day more than happy with the job. I have no clue what the repairs cost. Money was never discussed.

    These things happen I was just fortunate that they were good honest people.



  • Registered Users, Registered Users 2 Posts: 6,145 ✭✭✭masterboy123




  • Registered Users, Registered Users 2 Posts: 7,088 ✭✭✭Clo-Clo


    Happened me a few years back, serious damage done to side of car. It was a white car because paint was left on it. It was in Blanchardstown centre

    Went to the desk in the centre and they had the CCTV showing what happened, confirmed it was a white car without us telling them, but could give us no information on it because of GDPR. Said to contact the Garda station but don't expect much because they are so short handed

    Went to Gardai, reported it, well my partner did because she had car at time. A few days passed and called the Garda who gave out because she forgot to take down it was my car and not my wifes. She said she had asked for CCTv

    Anyway back and forth for weeks, Garda kept dodging calls. Got annoyed so reported it to Ombundsman. They came back asking us to contact person again, we did that again but she wouldn't answer or call back. Ended up with another person who said the CCTV was never requested, the original person had left the force and we could do nothing as the CCTV was gone now.

    Fixed myself as it would have taken away my no claims and when I contacted the department about people leaving accidents they can do nothing if you don't have the number plate of the car that done the damage

    Seemingly it is happening so often now that the Gardai can't handle the requests, especially in the likes of Blanchardstown centre. This was talking to an actual Garda who is friend of friend.



  • Registered Users, Registered Users 2 Posts: 7,328 ✭✭✭SteM


    You got very lucky tbh, a person with a conscience. The majority of people just walk away when they do damage in a car park these days. They seem to view it as part of the shopping experience, what goes around comes around. A friends car was badly damaged in a dunnes carpark a few months ago and he said the security guard told him it happens all the time.

    We're still being paid in installments from a lady that damaged our car in a lidl car park. She denied doing it even though my wife was walking back towards the car and saw/heard it happen. It was caught very well on the cctv, the security guard showed it to her. First she said she'd pay cash, when we gave her 3 quotes she said she'd go through insurance (although she had no disc displayed), a few days later she said she 'couldn't open the documents her insurance company had sent her because they were password protcted' so she'd pay cash but then pleaded to pay a small lump sum and the rest over 10 weeks. We're on week 4 of the payments and she still hasn't paid week 3. Call me cynical but I'm not expecting to get the full amount tbh.



  • Posts: 3,330 [Deleted User]


    If they're a bad enough driver to hit a parked car, I wouldn't trust them in an area where there are unpredictable children around.

    My main curiosity is why someone would accept an elderly person scraping their car, but would prosecute a younger driver. Seems strange to me.



  • Registered Users, Registered Users 2 Posts: 1,729 ✭✭✭thebiglad


    Yes, they send an investigator to view the CCTV to view a reg the guard cannot see (I don't know how he thinks they'll manage that) - the investigator has to be paid - therefore your insurance has a claim and, if the other driver remains unidentified that's on you. Similarly if they assess your car an Assessor will have to be paid.

    An insurance company is not going to run up a few hundred in invoices (which is probably more than you paid in premium) and not impact your NCB.

    Would you pay for an investigator to attend the shopping centre CCTV to view footage the guard has told you they cannot read a registration on from your own pocket? If the insurer cannot recover it's costs then you are making a claim against your policy for them to do this work.



  • Registered Users, Registered Users 2 Posts: 1,750 ✭✭✭notAMember


    Where is my eyeroll 🙄. You know already they didn't "accept" it. They called the gardai, found the person who did the damage, followed through and had it sorted. They just didn't escalate to a criminal prosecution for a bit of everyday paint damage in a garage car park. Carpark scrapes are slow speed, where cars are close together in very tight spaces and this easily happens. There is nothing wrong with showing a bit of kindness and decency to an elderly man, who is mostly likely living on a small fixed income, by deciding not to make a giant fuss about a tiny insignificant incident.

    Deliberate misstating of the post and warping it into child endangerment is bizarre and smacks of trying to antagonise and bait.

    OP, hope the CCTV does the trick. In my experience, the gardai are really excellent at sorting this if they can identify anything from the image. It shouldn't affect your insurance at all, it's usually filling out one form, including the garda report and the repair is covered. You may already have some cover on your insurance for minor scrapes, maybe check your policy for that too.



  • Registered Users, Registered Users 2 Posts: 6,145 ✭✭✭masterboy123


    It was the "security guard" of the shopping centre who could not read the licence plate but he said Gardai may be able to read it using their IT system. I asked if another camera has a better view of the car and the security guard said its upto the Gardai to investigate, fair enough.

    I contacted my car insurance and they told me clearly that it's only under "investigation" and there won't be any claim record unless I accept the responsibility.

    I had quick look on my car policy cover and I have a full-protected NCB (can make 2 claims in the last 3 years without effecting my NCB).

    After hearing stories from others, I just need to wait until I hear from Gardai and car insurance investigator gets back to me.

    Worst case, I will use my policy.



  • Registered Users, Registered Users 2 Posts: 32,030 ✭✭✭✭AndrewJRenko


    It's not the parking spaces that are getting smaller.

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    Is this definitely true? If the insurer has evidence that a third party is at fault, surely it would be fairly easy for them to make a direct claim against the third party's insurer, who isn't going to be in a position to context the claim, given the video evidence?



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  • Registered Users, Registered Users 2 Posts: 7,088 ✭✭✭Clo-Clo


    The insurance company will follow the other company in background if they have the information

    They will load it onto your policy while they do the background checks



  • Registered Users, Registered Users 2 Posts: 10,096 ✭✭✭✭CoBo55


    Yes. As it was explained to me by my insurance company you can pay your excess and they will chase the other insurance company for repairs and all costs incurred.



  • Registered Users, Registered Users 2 Posts: 7,330 ✭✭✭Allinall


    As Eggs for Dinner said above, they will only do this if you make a claim against your own comprehensive policy.



  • Registered Users, Registered Users 2 Posts: 3,154 ✭✭✭Eggs For Dinner


    The cost incurred in respect of the assessors fees will not count as a claim under your policy and won't affect your bonus. If you proceed with a claim, you insurer can seek reimbursement from the 3rd party and, if successful, this will remove the claim from your record. However, insurers are not obliged to seek this recovery, if the chances of success are slim in relation to the costs which may be incurred in pursuing it



  • Registered Users, Registered Users 2 Posts: 6,145 ✭✭✭masterboy123


    Thanks for this info.

    I am not looking for anyone to get into trouble or use/abuse insurance policy. There is a clear cut video evidence that my legally parked car was struck by another car. I believe it was an accident by the other driver but nonetheless, it was not part of my reckless driving.

    Cheers all v🍻



  • Registered Users, Registered Users 2 Posts: 1,729 ✭✭✭thebiglad


    how will the insurer seek reimbursement if a registration cannot be obtained?

    The security guard told me it's difficult to read the licence plate but he said Gardai maybe able to read it.



  • Registered Users, Registered Users 2 Posts: 6,145 ✭✭✭masterboy123


    It's difficult to read the licence plate but not impossible from what I know so far. It was a shopping complex with cameras across different locations, I suggested to follow the whole clip and may get a clearer view at the entrance/exit of the complex.



  • Registered Users, Registered Users 2 Posts: 3,154 ✭✭✭Eggs For Dinner


    I was talking in general terms. If an insurer can't receive full reimbursement, the claim stays on your record. As I mentioned previously, if recovery is difficult and would involve more resources than it's worth, they may not bother and they're not obliged to.



  • Registered Users, Registered Users 2 Posts: 1,457 ✭✭✭SharkMX


    From experience when your ncb is protected you end up having to stay with your current insurer for a few years.

    You cant answer "No" when asked by a new insurer if you have had any claims in the past 5 years.

    You have to stay with your current insurer and funnily enough your premium price goes up while you are locked in. How much by im sure depends on what amount your "protected" claim was.



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  • Registered Users, Registered Users 2 Posts: 7,436 ✭✭✭bladespin


    Huge difference between a low speed scrape and actually driving over someone.

    Emapthy, most of us were young and stupid and most want to get old and stupid too, difference is how a young person could cope compared to an elderly one.

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