boylers11
Member
Registered: 27th Jul 06
Location: Shropshire
User status: Offline
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Right, I was leaving work on Tuesday this week, stuck in traffic to get off the car park site and BOOM, a woman drives into the back of me at about 15mph. My rear bumper flexed/creased and has cracked and scraped the bumper and paintwork.
She admitted it was her fault and as we work in the same place, I thought I'd do her a favour and let her pay for my repair with cash as opposed to her insurance.
I need about £150 worth of work doing on mine and have let her know, but she wanted to wait until she had a quote for her bumper, which was supposed to be today, but is now booked for tomorrow before deciding whether to use insurance or not.
I have a piece of paper with her details written (in her handwriting) and I took her reg. number.
I just rang her to see how her quote went today, so I could get the ball rolling with mine, which is when she said about going tomorrow instead and although I suggested using insurance, she said it was up to her whether to use it or not.
I've been on AskMID and have found out who her insurer is.
My question is, do I wait to hear from her tomorrow, or do I just go behind her back and phone her insurers first thing in the morning?
Any advice/comments are welcome 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Wait to hear from her tomorrow surely?
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Matt L
Member
Registered: 17th Apr 06
User status: Offline
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depends how often do you see her in work? if you sit next to her then no  not if you want an easy life in work.
however firstly tell her its not up to her if you go through insurance or not its yours you were the one that was hit.
however also bear in mind it will also affect your insurance for years to come if you do decide (although slight controversy in this if you dont inform your own insurer).
id wait and see what she says, to get it done outside of insurance would be much simpler however you pay out for the cover so might aswell get something back out of it.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Wait for her to come back.
There is no time period as such to inform the insurance company of an accident, they just say as soon as possible.
If you inform her insurance company then don't end up going through, realistically you'll need to declare the accident on your own policy in future, which will increase your premium.
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boylers11
Member
Registered: 27th Jul 06
Location: Shropshire
User status: Offline
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...sorry, was just typing an update. She just texted asking me for a written quote for the work before contacting the insurer and that she found it highly inappropriate that I should ring her at 8:50 in the evening!!
Should I let her know I know who her insurer is to get her moving a bit faster?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Tell her you're doing her a favour and not to bother getting a quote as you're going to go through insurance.
ungrateful cunt she is.
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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I'd just inform the insurance if she's being a dick head about it, she crashes into you and calls the shots? Balls in your court she's got a cheek. Yours will go up too though.
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boylers11
Member
Registered: 27th Jul 06
Location: Shropshire
User status: Offline
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Cheers lads.
Will mine go up, even if I was rear-ended by her (so to speak)? Surely, it's hers that will go up?
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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Yeah it will affect you too, even though itl go down as a none fault claim.
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boylers11
Member
Registered: 27th Jul 06
Location: Shropshire
User status: Offline
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quote:
Originally posted by Matt L
depends how often do you see her in work? if you sit next to her then no not if you want an easy life in work.
however firstly tell her its not up to her if you go through insurance or not its yours you were the one that was hit.
however also bear in mind it will also affect your insurance for years to come if you do decide (although slight controversy in this if you dont inform your own insurer).
id wait and see what she says, to get it done outside of insurance would be much simpler however you pay out for the cover so might aswell get something back out of it.
Lol, we don't work in the same department, she's a medical secretary, I'm a clinical member of staff.
So are you saying that my insurance will go up too, even if we claim through hers?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Yes as you're insurance company will ask if you've had any accidents in the last so and so years, regardless of fault.
Theres been some debates on this recently on here, but it's in writing so theres no real way of bypassing it, other than not telling them.
I had 2 non fault accidents and my insurance went up approx 300 quid.
[Edited on 07-02-2013 by Ben G]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Yes it will go down as a non fault claim.
Here is what i would do - give her a call in the morning and tell her if she does not have an answer that evening you are going through the insurance. You have given her time and she's being an arse about the situation.. She hit you and should not be calling the shots!
[Edited on 07-02-2013 by Andrew]
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boylers11
Member
Registered: 27th Jul 06
Location: Shropshire
User status: Offline
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^^ cheers Ben and Andrew. It's a f*cking joke, some knob hits you and you get punished too!
The best bit has been winding my mum up, saying that I have a stiff neck every time she phones, just to wind her up (obviously I haven't got or will have whiplash and would never claim for it if I didn't have it (and probably wouldn't even if I did!!)) lol
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Josh Ack
Premium Member
Registered: 13th Apr 10
Location: Great Ayton, North Yorkshire
User status: Offline
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as 8:50pm was out of order, i'd be calling at 5:30am, just to see if that was in check
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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If you're gonna go with insurance, may as well develop a neck injury 
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