Uninsured driver hit my parked car. What to do?

Eggs For Dinner · 14-02-2020 11:05pm

ReginaldSmythV wrote: »

You’d swear half of you were on the payroll.

I can only speak for myself, but my opinions and morals are bought and paid for by the cartel. Hence the reason I continue to post here, not to give advice based on my experience, but to spout the party line

Still waters · 15-02-2020 8:28am

Eggs For Dinner wrote: »

If they are separate questions, you answer no to the former and yes to the latter

They never are from my experience and if on the phone they word it all as the one question, you may try to explain it wasn't your fault but they're not interested in the circumstances just confirmation you were involved in a collision

15-02-2020 8:39am

Eggs For Dinner wrote: »

I can only speak for myself, but my opinions and morals are bought and paid for by the cartel. Hence the reason I continue to post here, not to give advice based on my experience, but to spout the party line

Thanks for your honesty.

Eggs For Dinner · 15-02-2020 9:05am

Deleted User wrote: »

Thanks for your honesty.

Given my career, if I'm being honest, I must be doing it wrong......

Calibos · 15-02-2020 9:12am

Eggs For Dinner wrote: »

Given my career, if I'm being honest, I must be doing it wrong......

Is a liar lying when he says he always lies?

I think that means we can trust him guys!

;)

Calibos · 15-02-2020 9:30am

If the mother is with AIB, I might have the full amount Of the Ace Estimate in my bank account today. Arranged for her to pay me via Bank Transfer last night and gave her my IBAN and she said she'd transfer the money this morning. If she is another AIB account holder the AIB website said it should appear in my account instantly whereas if she's with another bank it might take a business day so would likely be Monday at some point.

Other than her jumping the gun a little bit yesterday and her saying 'great we can get it towed and repaired 'tomorrow'' by her guy and I had to respond with, 'To be clear, I agreed for your guy to inspect my car, not tow and repair it', all other contact with her has been amiable, clearly understood, understanding and accepting of my decision to stick with Ace, quick to agree to payment on my terms etc. As it should be given the circumstances of course, but its always a worry you might have to play hard-ball with people which can be a stressful prospect if its not in your make up and takes you out of your comfort zone.

I'd say that kid is less worried about the law and more worried about what his dad will do and say when he gets back from work abroad and see's his joint account balance with up to €10,000 gone on my repairs and the repairs to his own car.

EDIT Money already in my account as the mum was with AIB too. Woohoo!! Now its time to get onto ACE and book the TT in.

JustAThought · 15-02-2020 10:42am

Eggs For Dinner wrote: »

I can only speak for myself, but my opinions and morals are bought and paid for by the cartel. Hence the reason I continue to post here, not to give advice based on my experience, but to spout the party line

wouldnt be surprised in half the forums. Always worth checking someones back-history.

endacl · 15-02-2020 4:18pm

Delighted you’re sorted Calibos.

advertsfox · 15-02-2020 4:19pm

Excellent news, now for the before / after pics we are all truly craving.

Calibos · 15-02-2020 6:24pm

Its kind of ironic when you think about it. If my car was to be hit and suffer this level of damage, I was Lucky I was hit by an uninsured driver with parents wanting, willing and able to pay for this without going near insurance. With the way things played out I got the full required €4750 (Tow and repair) paid by the at fault party. However, if my car had been hit in the same way by an insured driver in his own car after sliding on wet leaves or ice or whatever and who did want to go through insurance because he had protected NCB and didn't want to be handing out nearly 5 grand in cash, then that hypothetical similar accident would have ended up costing me money for the reasons we've discussed earlier in the thread. ie. €4750 repair cost puts this 13 year old TT (albeit only 40,000km/26,000miles on the clock) into Cat D economic write-off territory as far as Insurance companies are concerned. They'd value the car about 5 grand. I'd have to pay maybe 1-2 grand to buy it back from them as salvage in order to repair it myself leaving me with a 3-4 grand cash settlement and leaving me with a €700-€1700 shortfall to make up out of my own pocket to cover the €4750 repair bill. Absolutely worth paying in order to keep my barely run in 13 year old TT but very frustrating to have an accident that wasn't ones fault and which involved an insurance settlement yet could still end up costing you money.

Jeff2 · 15-02-2020 9:30pm

You got to remember that the €4750 is an estimated cost so is not necessary what the end bill will be.

wally79 · 15-02-2020 9:31pm

It’s all going a bit too smoothly

Calibos · 15-02-2020 10:00pm

Jeff2 wrote: »

You got to remember that the €4750 is an estimated cost so is not necessary what the end bill will be.

I’m hoping that it’ll balance out. For example, the rear wheel took the main hit and was pushed forwards and is what took a 6 inch section out of his Alloy rim. Yet the photos of the suspension doesn't look like catastrophic damage but the estimate includes new everything down there. If the suspension components weren't made a mess of I think its reasonable to assume the aluminium chassis wasn't damaged Is it not? Side looks like all panel damage and side pillar doesn't look deformed. New door is in the estimate. I’m hoping that an extra unexpected cost in one area will be counter balanced by less than expected cost in another area like the suspension for example.

Of course there is a chance that you are right and there might be an extra cost that isn't balanced out and I have to make up the shortfall, but its a potentiality....whereas through insurance having to come up with a shortfall was a guarantee due to the economic write-off equation.

bmwfan · 15-02-2020 10:03pm

Great thread ive followed since the start @Calibos you seem like a sound guy great to see you getting sorted

TheW1zard · 15-02-2020 10:09pm

With the rear suspension hope your getting new stuff on both sides not just the side that got hit?

Jeff2 · 15-02-2020 10:14pm

I'm not up to date on cars and I hope it's comes out costing less and as good as new.

It's possible the back left suspension got damaged too as the wheel was pushed into the footpath by the force the damaged the right one.

Be sure to have it checked, I don't think there is anything about that side in the estimate.

Neilw · 16-02-2020 12:53pm

Calibos wrote: »

I’m hoping that it’ll balance out. For example, the rear wheel took the main hit and was pushed forwards and is what took a 6 inch section out of his Alloy rim. Yet the photos of the suspension doesn't look like catastrophic damage but the estimate includes new everything down there. If the suspension components weren't made a mess of I think its reasonable to assume the aluminium chassis wasn't damaged Is it not? Side looks like all panel damage and side pillar doesn't look deformed. New door is in the estimate. I’m hoping that an extra unexpected cost in one area will be counter balanced by less than expected cost in another area like the suspension for example.

Of course there is a chance that you are right and there might be an extra cost that isn't balanced out and I have to make up the shortfall, but its a potentiality....whereas through insurance having to come up with a shortfall was a guarantee due to the economic write-off equation.

You could easily get suspension components used from eBay, same with door and wheel. Save yourself some money.

greasepalm · 16-02-2020 1:37pm

Used suspension parts i would pass on that as new components will have less wear and make car safer on road.

Calibos · 17-02-2020 12:53pm

Booking the car in today.

Remember it was a glancing blow and its the rear wheel that took the main glancing hit, so I’m pretty confident that there wont be much if any unexpected extra major expenditure. Fingers crossed.

TheW1zard · 17-02-2020 1:49pm

If your putting new bits in like bushings its always good to do both sides. Not sure to what extent but id consider whats being replaced, you want it to be tidy!

Eoinbmw · 28-02-2020 11:39pm

Any updates on the TT?

Calibos · 21-03-2020 2:34pm

Update.

All sorted. Accident Damage repaired as well as all the other accumulated alloy kerbings, bonnet dents and keyings, rear bumper damage etc.

Remember when the only thing I had to worry about was a parked car being damaged?? Car came out of the Bodyshop to a different world than when it went in. Puts things into perspective. Funny Old World!!

punisher5112 · 21-03-2020 3:12pm

I do hope you treat it to a detail and ceramic coating.... Absolute beaut.

Eoinbmw · 21-03-2020 4:19pm

Delighted for you!

theteal · 21-03-2020 4:46pm

Dang, there's a good news story in all the gloom. I can't explain but I'm genuinely happy for you, internet stranger.

TheW1zard · 21-03-2020 4:48pm

How much did it cost the parents?! Id say hes still on the naught boy list

DaveyDave · 21-03-2020 7:00pm

Happy days!

sligojoek · 21-03-2020 7:42pm

Delighted it worked out for you OP.
Here's to many years of safe and happy motoring.

Atlantic Dawn · 21-03-2020 7:43pm

TheW1zard wrote: »

How much did it cost the parents?! Id say hes still on the naught boy list

Yes the event might be the best life lesson the son ever gets, could keep him on the straight and narrow for life.

mondeo · 21-03-2020 9:18pm

Atlantic Dawn wrote: »

Yes the event might be the best life lesson the son ever gets, could keep him on the straight and narrow for life.

And away from Daddy's car for a long time to.

Calibos · 21-03-2020 9:39pm

TheW1zard wrote: »

How much did it cost the parents?! Id say hes still on the naught boy list

Estimate I gave them was €4750 and the mum transfered €4800. Just gave her my IBAN and as they were with AIB too the transfer was instantaneous. My final invoice from ACE was €5100 because I got them to refurb the 13 years of kerbings on the other 3 Alloys, take out dents and keying on bonnet from 2015 and respray it and some small rear bumper damage from 2009. Was quoted €500 for that extra work so if you subtract €500 from the €5100 invoice it means the accident repair work came in at €4600 which also includes a new alloy whereas the original estimate was for alloy repair. In effect the parents ended up paying €200 of my extra work €500 bill.

Atlantic Dawn wrote: »

Yes the event might be the best life lesson the son ever gets, could keep him on the straight and narrow for life.

Thats what I said to the mother in our last communication. ie. if there was a positive to be taken from all this, it would be that it was better for her son to have a scare like this and a big lesson learned now where no one got injured, than for his first big scare that would put him on the straight and narrow being a big accident that injures or kills him or others.

Terrible timing in hindsight. If the damage he did to his dads car cost a similar amount to mine, he just cost his parents the guts of 10 grand mere weeks before a Global Pandemic and Recession that may cost his parents their livelihoods. His dad works abroad and could be stranded abroad now for the forseeable. A 10 grand hole in their finances is something I'm sure they didn't need at this time!!

projectgtr · 21-03-2020 10:33pm

Car looks well, im glad it worked out for you.

corks finest · 22-03-2020 10:15am

Calibos wrote: »

Update.

All sorted. Accident Damage repaired as well as all the other accumulated alloy kerbings, bonnet dents and keyings, rear bumper damage etc.

Remember when the only thing I had to worry about was a parked car being damaged?? Car came out of the Bodyshop to a different world than when it

Fantastic result

Eggs For Dinner · 22-03-2020 1:14pm

I wouldn't park it that close to the Fiat

bmwfan · 22-03-2020 2:39pm

looks great and it all worked out well in the end

pablo128 · 22-03-2020 2:44pm

Eggs For Dinner wrote: »

I wouldn't park it that close to the Fiat

I think a trip to Specsavers is in order.:pac:

Eggs For Dinner · 22-03-2020 5:30pm

pablo128 wrote: »

I think a trip to Specsavers is in order.:pac:

Not really in to cars, thought it was a Fiat

Calibos · 28-03-2020 2:42am

Well it didn't remain pristine for long!!

Already been Keyed again.

Thought I posted my concerns earlier in this thread but can't find it so it may have been my post on the Audi TT forums. Anyway, I semi-jokingly said that I left the car dirty because anytime I cleaned it, it was like a shiny object to the local magpies (ie Scumbags) and attracted attention. EG, Lose wing mirror from a kick......after a cleaning, those bonnet dents and previous keying......within days of a cleaning etc. I said that I was worried that the car would come back from the bodyshop looking like new and attract the magpies again. I was a little less worried when the car came out of the bodyshop to a strange new world with no Pubs open and less chance of drunks on the way home from the boozer causing some vehicular damage on their way home for the craic.

Only took just over a week as it turns out for some cnut to key the passenger side door down to the white undercoat.

On the one hand I think I've done well with the car parked on a public street for 12 years and 'only' incured the previous loose kicked wingmirror, bonnet dents and keying which ultimately cost me €300 to repair On the other hand it still stings that there are cnuts like that out their that see a shiny clean car and decide, "I'll ruin this guys day for a laugh"

endacl · 28-03-2020 2:57am

:mad:

punisher5112 · 28-03-2020 6:39am

I would love to key their face....

Calibos · 28-03-2020 12:29pm

Had another look at it in the cold light of day just there.

Hmmm. Maybe I jumped the gun on accusing scumbags. Could have been a kid and feckless inattentive parent.

The Bum imprint on the bonnet actually looks like a hand brushing off the dust in a series of arcs and the scratch on the passenger door is just below the crease line about scooter handle height relative to the pavement.

Most of the scratch is down to the white undercoat and while its 6" and 2" sections within a 12" span its thinner and tapers and fades into a clearcoat scratch on the ends. A keying would start deep, stay deep and end deep I imagine. I think a touch up pen combined with its location just under the crease line will make it barely noticeable.

That'll teach me to be such a careful parker finishing with my wheels 2" from the kerb. Gonna put some distance between the side of the car and scooters on the path in future. Ideally I'd park in a Drive-way....but I don't have one....so I can't.

Like I said, in the grand scheme of things, in the span of 12 years, one kicked loose wing-mirror, one bonnet denting and keying and one side swipe while parked on a very busy road thats also a main pedestrian access road to the towns main Bar/Pub strip, isn't bad going all things considered. I have to look on the brightside.

28-03-2020 2:26pm

Calibos wrote: »

I have to look on the brightside.

ALWAYS.

You've now moved onto the Acceptance part of grief

dsaint1 · 28-03-2020 2:40pm

Damn, thats a pain in the ass. I was only admiring your car the other day as I passed by. I live very close .... also drive a TT. Unfortunately where you park is a bit risky but sounds like you have no option I guess.

Calibos · 29-03-2020 2:31pm

dsaint1 wrote: »

Damn, thats a pain in the ass. I was only admiring your car the other day as I passed by. I live very close .... also drive a TT. Unfortunately where you park is a bit risky but sounds like you have no option I guess.

Is yours the Pearlescent Black MkII S-line? Been admiring that one myself. LOL.

Like I said, in the grand scheme of things I guess I've done OK malicious or accidental damage wise considering its been parked on a busy road for 12 years. People must think I don't give an F about the car because its so dirty most of the time but I learned my lesson each time it got so bad that I decided to do a full detail polish and wax...and then had a wing mirror nearly kicked off the following weekend and a few years later after the next big detail had the Bonnet damage and keying the weekend following.

ie. You're going to see it get progressively dirtier over the following weeks/months. LOL. Urban Camouflage if you will.

dsaint1 · 30-03-2020 12:45pm

Calibos wrote: »

Is yours the Pearlescent Black MkII S-line?

No, mine is a Daytona Grey Mk3 S-line.

TBH I did think you were neglecting it a bit previously but I can understand your logic now

Shame that you have to go the "urban camo" route to stop attracting the local scum as it looks stunning now all clean and polished.

Uninsured driver hit my parked car. What to do?

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