Neighbourly love

[crapichris]

As I was reading the forum one of my neighbours has just backed into my daily driver parked in the road outside of my house. Idiot backed off his drive straight into my front wing and bumper. God only knows how he managed to hit my car in the first place, perhaps he hasn't got a licence? I heard a bang, jumped up out of bed, and saw the prat pulling away from my car. I went flying out in the street in my PJs , don't think my language was totally PC but what the heck! Think he would have driven off if I wasnt there so quick. Damage is limited but visible and needs fixing. Wheel arch trim is now loose, painted bumper scratched and cracked, paint loose, headlamp trim damaged. So now I have to make another claim on my insurance - great!!!!!

[Vista]

Make a claim on his insurance?

[katana]

Yeah - you inform your people 'For information only' and submit a 3rd party claim against his.

[colr6]

Get a quote for the work to put right and ask for in CASH, if you do a NO fault claim on his ins you will have to declare it on your next renewal and you will find that your premiums will increase, through no fault of your own. You then become a statistic, because statistics prove that you will make a claim within the next two years!!! Having had 3 experiences like this get the money for repair in CASH... CASH....CASH and sod the insurance

[DT36]

Came home from work a few years back to find the dry stone wall out the front of my house knocked over. Matey from next door came out and said he thinks the wind had done it.

 

Went in the house and checked the CCTV. Matey's van had rolled into it with his 8 year old kid at the wheel.

[Tackleberry]

Get a quote and give him the option of paying for the repairs. If he agrees, get the bunce off of him before it goes in as had a friend do the same, matey then backed out so my mate had to stump up...got very griefy and many toys were thrown.

[mk2 mike]

Personally I'd go through the insurance. All day every day. What's the point in having it if you don't use it?

 

Plus they need to learn their actions have consequences. They crash into you, their insurance goes up the following year. Maybe they'll take more care in future. I wouldn't give them the easy option of paying cash.

 

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[colr6]

Personally I'd go through the insurance. All day every day. What's the point in having it if you don't use it?

Plus they need to learn their actions have consequences. They crash into you, their insurance goes up the following year. Maybe they'll take more care in future. I wouldn't give them the easy option of paying cash.

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Disagree with that one, Their ins might go up through their stupidity but so will yours through no fault of your own

[mk2 mike]

Think it must depend on your insurance company. We've made two claims in the last 12 months on our daily. (Both damage caused while ours was parked) and our quote last week from the same company was nearly £30 cheaper than last years premium.

 

In any case, even if I knew it would double my premium I'd still do it. Why let them get away with it?

 

If you get £100 (for example) up front I'll bet my house the repairs come to £150 in the end and you'll still be out of pocket and they'll be pissing themselves that they got off so lightly. Lesson learned by them? That they can mug you off with a bit of cash.

 

And if they agree to pay after the repairs in full, well then good luck with that when you turn up on their doorstep with a £1500 invoice. Again I'll bet my house who ends up out of pocket, (hint, it won't be them).

 

Why pay X amount of hundreds each year on insurance then be too scared to use it? It's there for your benefit as well as others.

 

 

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[colr6]

The annoying thing was if I hadn't disclosed the claim it could be a reason to null the ins if I made a claim. Technically I hadn't made a claim on my ins it was the third parties. Statistics this and statistics that absolute bollox just another reason to get money out of you

[Ray]

you put in a claim on their insurance, most insurance companies will increase your premium, insured no claims is a con, it dosnt stop them increasing the premium

 

my daughters car was stolen, the car wasnt worth a claim, but the police said the insurance company still had to be notified, as if the thieves hurt anyne, the claim has to come off her insurance, the car was actually recovered and suspects caught, as they drove thru an ANPR camera, but now she has to declare it when getting new quotes, even though no claim was made, this years premium went up over £100 on a new quote and by over £400 with the existing insurer, she changed insuer, but still has to declare it next year

[colr6]

Glad someone else has the same experience

[2512pf]

I renewed my insurance last year with a new company as it was 100 cheaper

2 weeks later they sent me a bill for 140 extra to pay as I forgot to tell them about the bloke who crashed into my motor ,even though his insurance paid and I didn't loose any no claims ,,

If it happens again I'm going to see if the person who caused the crash will pay

[crapichris]

Been to my local car body shop. £130 to fix it so when the quote comes through gonna tell pratto to pay the man in advance, then get the body shop to ring me and tell me to bring the car in. Turns out pratto is a taxi driver!!!

[colr6]

Don't forget the free taxis while your motor is being repaired

[crapichris]

Gives me the excuse to get the Capri out!