Craig W
Member
Registered: 31st Oct 00
User status: Offline
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I had a smash in my Audi TT. The other vehicle was a Dihatsu (SP?) Highjet van.
It was my fault, it was a busy roundabout and i was waiting for a gap in the traffic, i thought the guy if front had pulled off but he hadn't and i hit him up the arse. I didn't hit him that hard.
Dammage to mine - cracked number plate
Aparent dammage to his - bumper hanging off, light in bumper hanging out. Bear in mind the bumper was plastic and un-painted.
I just got a call from him saying the quote was £1400 + VAT and the work includes a new tail gate, new bumper, rear quarter, rear glass etc... WTF 
My question is this, when he claims on my insurance do i have to pay MY excess? Im not going to bother claiming for my dammage, he's the only one claiming.
[Edited on 12-03-2007 by Craig W]
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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instruct your insurance company to query why it is that much as at your roadside inspection none of this other stuff ws damaged
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Craig W
Member
Registered: 31st Oct 00
User status: Offline
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I dont even think my car was high enough to reach his tailgate. Basically he needs a whole new back end. Why he needs a new rear glass panel is beyond me?
He was a cockney greek/turk/not sure. He was greasy, and runs his own sparky firm. I thought to myself i bet he'll try some sort of scam.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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what hes done is gone to a garage that he knows the people at and got them to quote for fake stuff so he can rake a load of cash in his pocket, hes probably offered then a sum of it to to do so
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Craig W
Member
Registered: 31st Oct 00
User status: Offline
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Im going to talk to my insurance company tomorrow but does anyone know if i have to pay my excess if im not claiming on my car, and it's just the other guy claiming?
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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Or he's gone and damaged it more after; my mates did that once to make sure it was written off.
To answer the initial question, you only pay your excess on a claim you make. You're not making this one, so you won't have to pay it.
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mk4_astra
Member
Registered: 15th Oct 03
Location: aylesbury,bucks
User status: Offline
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tel your insurance company what you told use, they probably have a few places near you that they would rather the work got done at and they might insist he takes it there, i dont know how it works for the other party but when my mates crashed his car he was only given something like 3 garages in the area that they would let him take the car to
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Craig W
Member
Registered: 31st Oct 00
User status: Offline
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Thing is the greasy git lives in Mill Hill, London. So we're not local to each other.
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Gareth
Member
Registered: 2nd Mar 00
Location: Derby, Drives: EVO VIII MR & pug 308
User status: Offline
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Next he will be claiming 3k for whiplash!
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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your entitled to take the car where you want, they try and get you to use the suggested repair centers but you dont have to.
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Craig W
Member
Registered: 31st Oct 00
User status: Offline
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Im suprised he isn't trying to say i dammaged the tools in the back of his van with the impact.
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Rachel H
Member
Registered: 12th Nov 03
Location: Berks
User status: Offline
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When the insurance company repair the car, they literally replace EVERYTHING possible.
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uppy
Member
Registered: 8th Nov 06
Location: Hampshire
User status: Offline
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when he claims you get a coice of body shop you want to have a look at the damage aswel... well i did and it work however it wernt myfault
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jamesvalver
Member
Registered: 21st Feb 03
Location: Bury St Edmunds, Suffolk
User status: Offline
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this is the reason that u must get photos of the car envolved in the accident! even if its just shitty pics on ya fone. my mate was rear ended n the bloke tried to deniy it but the pics sed otherwise
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