Irony
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| posted on 10/9/11 at 03:25 PM |
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Bumped a car in Sainsbury's. What to do?
My girlfriend bumped a car in Sainsbury's today. She left a note saying sorry and she left her name and number. Apparently it was a Astra
Estate which had non body coloured bumpers. She didn't take any photos. she says the damage was that the front bumper was scratched and it had
slightly opened up the gap in the panels between the bumper and the wing. There were some inch long scratches on the wing. She came home in floods
of tears. That was over a hour ago now and no-one has called.
I have never had a accident before so I don't know what is the best way to proceed. My girlfriends insurance is expensive and she drives a
crappy little SEAT.
What should we do when or if the person phones???
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karlak
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| posted on 10/9/11 at 03:37 PM |
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When and if they call just be very polite and explain it would be helpful if you could repair the damage without involving the insurance.
However, make sure they know that if their quote is too high, then it will have to go through the insurance. Just in case they are thinking of making
a few quid and not getting the car sorted. A proper bodyshop repair could quite quickly reach 4 figures. It may be that if you bluff and suggest
insurance is the way to go, that they say dont worry then.
I would just like to add that what I think your girlfriend did was very commendable (leaving her details). So many people would just clear off,
leaving the owner of the car to find the damage when they return.
MK Indy - 2litre Duratec - Omex 600 - Jenvey throttle bodies - ETB DigiDash2
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spiderman
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| posted on 10/9/11 at 04:08 PM |
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quote:
Originally posted by karlak
I would just like to add that what I think your girlfriend did was very commendable (leaving her details). So many people would just clear off,
leaving the owner of the car to find the damage when they return.
+1
Spider
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Steve Hignett
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| posted on 10/9/11 at 04:24 PM |
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quote:
Originally posted by spiderman
quote:
Originally posted by karlak
I would just like to add that what I think your girlfriend did was very commendable (leaving her details). So many people would just clear off,
leaving the owner of the car to find the damage when they return.
+1
+2
If they call (just to try avoid someone taking the wee and claiming for a load of stuff and not getting it done), I would tell a lie and say that you
(or brother, or dad etc) is a manager of a bodyshop, so you'd like to sort it "literally" yourself, and see what they say.
It'll give you the control to definitely find a place within your budget.
And even though I'm sure you've mentioned it to her already, but to get photo's "next time", as it might turn up without
a wing etc...
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JeffHs
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| posted on 10/9/11 at 04:24 PM |
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Very best of luck there. It's all down to how honest decent etc the 3rd party is. I've had 2 incidents recently, 1 my fault entirely - a
u-turn with my caravan that caused similar damage to a Mondeo bumper - cost me £180 without involving insurance. The 2nd one was not at all my fault
but they have claimed over 2 grand for damage , I've lost my NCD and the premium has shot up so I'm gutted.
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spiderman01980
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| posted on 10/9/11 at 04:28 PM |
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this happend to me twice, 1st time a cyclist hit my escort van(while i was in it, parked up),put a dent in the back door and then demanded i took him
to the hospital and put his bike in the back of my van(the prick)then started writing down my reg and i said to him what you doing mate you hit me
while am parked up(if he didnt hit me he would of hit the car parked in front of me), then a passerby(never see what happend) assumed id hit him while
driving started taking his side, so i just got in my van and went, then the F***ING prick tryed to do me for a hit and run when i really should of
done him for the dammage on my van. the 2nd time last xmas someone hit my car on the corner and never left a note, my car was off the road for about
six months  , it was good of your wife to leave a note, just cross your fingers and hope theese people dont try and get you for other things.
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owelly
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| posted on 10/9/11 at 04:38 PM |
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On a slightly different tack: does it matter if they want to take the cash and nor get the car fixed, thatd fine. Just don't let them rip you
off. I'd be happy to hand over £200 cash just to never hear about it again.
http://www.ppcmag.co.uk
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speedstar
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| posted on 10/9/11 at 04:43 PM |
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Did she get any photos?
These can save you a lot of hassle if they decide to get the insurance companies involved.
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Irony
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| posted on 10/9/11 at 04:52 PM |
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The man phoned and he seemed a nice fellow. Seems he wants to involve insurance but she is going to try and persuade him not to do this. He works at
Sainsbury's and he said he working tomorrow so we are going to take some piccys then. Thanks for the responses.
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karlak
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| posted on 10/9/11 at 05:22 PM |
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quote:
Originally posted by Irony
The man phoned and he seemed a nice fellow. Seems he wants to involve insurance but she is going to try and persuade him not to do this. He works at
Sainsbury's and he said he working tomorrow so we are going to take some piccys then. Thanks for the responses.
When you go tomorrow, take you Girlfriends insurance document so that he can see you are insured (although a non-insured person would not have left a
note I guess). If you explain that it will clobber her premium etc, he may be sympathetic.
I can't see what difference it is to him if it is sorted "privately". Having a claim against his insurance (even non-fault) is
something worth avoiding these days. The insurance companies still see him as an increased risk......
MK Indy - 2litre Duratec - Omex 600 - Jenvey throttle bodies - ETB DigiDash2
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Ninehigh
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| posted on 10/9/11 at 05:51 PM |
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quote:
Originally posted by karlak
I can't see what difference it is to him if it is sorted "privately". Having a claim against his insurance (even non-fault) is
something worth avoiding these days. The insurance companies still see him as an increased risk......
That's a good point, my last claim was a stolen car, some companies didn't care that it wasn't my fault (I didn't nick my own
car!)
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mark chandler
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| posted on 10/9/11 at 06:27 PM |
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Its in a private car park so you can refuse to provide insurance details as not applicable, if it's a worthless car then agree a sum of money,
if valuable ask for formal quotes and agree to pay.
I would not hand over my doc's as this will end up costing your girlfriend hundreds once they start down this route 
[Edited on 10/9/11 by mark chandler]
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Brook_lands
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| posted on 10/9/11 at 06:36 PM |
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I had a no fault accident 3 years ago - classic rear end shunt, I stopped at a roundabout he didn't. Turn out he worked for a local body shop.
They took my car away,and did a super job of fixing it. I assumed they had done that to avoid involving insurance and I certainly didn't
complete any paper work. Anyway changed insurance company this year and didn't declare this no fault shunt. A few weeks later they write to me
saying they want another £59 due to this incident which was an additional 17%, so heads they win tails you loose.
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scootz
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| posted on 11/9/11 at 09:35 AM |
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quote:
Originally posted by mark chandler
Its in a private car park so you can refuse to provide insurance details as not applicable, if it's a worthless car then agree a sum of money,
if valuable ask for formal quotes and agree to pay.
I would not hand over my doc's as this will end up costing your girlfriend hundreds once they start down this route
Bit harsh an attitude that considering that the other guy has sustained damage to his car that wasn't his fault! I would say that
he's the one who can call the shots! That aside, your post is dangerously flawed...
A car park owned by the likes of Sainsbury's WILL be covered by the Road Traffic Act in these circumstances!
You are not legally obliged to provide your insurance details to anyone (other than the Police, if required). You just have to give your vehicle
registration number, your name and address, and that of the vehicle owner (if different), to anyone with reasonable grounds for asking for those
details.
It's Evolution Baby!
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scootz
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| posted on 11/9/11 at 11:57 AM |
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quote:
Originally posted by Ninehigh
I didn't nick my own car...
I nicked my own car once... I made sure I put it back after I stole it though!
It's Evolution Baby!
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macc man
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| posted on 11/9/11 at 12:44 PM |
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I backed into a wall at my local supermarket. Did not check the damage to car or wall. When I went to store again saw a huge crack up the wall. Felt
pretty bad about it. Shoul I own up?
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spiderman01980
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| posted on 11/9/11 at 12:47 PM |
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quote:
Originally posted by macc man
I backed into a wall at my local supermarket. Did not check the damage to car or wall. When I went to store again saw a huge crack up the wall. Felt
pretty bad about it. Shoul I own up?
Can you afford to?
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RK
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| posted on 11/9/11 at 12:56 PM |
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As said, avoid the insurance if you can. They are sharks and will not always tell you the truth about your actual driving record. They have more
information on you than the police.
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cliftyhanger
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| posted on 11/9/11 at 01:07 PM |
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quote:
Originally posted by macc man
I backed into a wall at my local supermarket. Did not check the damage to car or wall. When I went to store again saw a huge crack up the wall. Felt
pretty bad about it. Shoul I own up?
Was it definitely caused by you?? to crack a wall requires a bit of effort, and your car would have sustained some damage. I suspect it may have been
damaged before.......
Now, as to the astra, what year and approximate value?? if more than 10 years it will likely be written off for a few hundred quid. Worth pointing
that out.
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carlknight1982
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| posted on 11/9/11 at 02:49 PM |
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Legally your required to report any and all accidents to the police at the time of accident or as soon as possible or you can be indited for leaving
the scene of an accident.
I hit a worthless toyota about 2 years ago, just scuffed the wing, did the same left my contact details, thye decided to call the police, I hadnt,
went to court and got a 150 quid fine!
be careful
Logic will get you from a A to B
Imagination will take you everywhere.
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spiderman01980
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| posted on 11/9/11 at 04:02 PM |
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sometimes you dont even hit anything and people are trying to get you done, i work for a courier company and we get a couple a year, i`ve had it
twice, 1st time i delivered to some guy and the van i was driving had couple of dents and he was going round it trying to macth it with his gate post
which was a big wooden post(that had been hit a few weeks before and thought it might of been me) must of been more than 15inx15in, i said to him to
knock that big f**k off post like that its gonna leave more than a little dent on my van, 2nd time i pulled in to macdonalds parked up, as i got out
this guy i parked next to(i was about 3feet away) was seeing if he could match his dents on his car to my van, so i said to him to not even try it as
they have cctv in macdonalds and we can call the police now and get them to check it, and dont ever try and turn around in the round near a wall that
has been knocked down already, it happened to another guy at my work they see its a company van and try and claim off the company, but what people
dont know is that we are self employed and the company we work for are not liable. oh wait there`s another one, i did hit someone(more like a little
tap on the bumper) no dammage what so ever, no lie about a year later he was trying to claim of the company for whiplash and a broken arm and
allsorts(and he was the one that wrote all mine and his details down, with what his broken arm!!), like i said they see FedEx on the side of the van
and then they see £££££££££££££££££.
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JoelP
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| posted on 11/9/11 at 04:30 PM |
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i cant see what sort of numpty would even be bothered about a scratch on an old car! I certainly would not dream of telling the insurance company...
Beware! Bourettes is binfectious.
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