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General => General discussion => Topic started by: marcogolfo on 04 June 2005, 10:56
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someones just reversed into mty valver whilst it was parked i wasnt even in the car this has never happened to me what do i do? I have a witness that saw it happen. Absolute nightmare i have no idea what to do also she was in gear so im gutted as the gearbox might be f**ked as well :cry:
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guttin mate...well if you have their details..just pass it onto ur insurance i wud hav thought.. :undecided:
Dinx :kiss:
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spoke to them they dont want to go through the insurance, they were a little funny about the damage that they have caused. They reckon they've only caught the edge of the bumper but there is is a scuff on the rear left tail panel as well which they're not willing to pay for because apparently it is one of the problems of parking on this street. :angry: The whole bumper was hanging off brackets snapped and that and doesnt want to go back on. Another problem is it was originally small bumper so what the hell do i order off vag to get it sorted? Also do i charge them for painting the bumper or what? Where do i go to have it painted etc etc basically they dont wanna claim on the insurance
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if you have there registration details you must report the accident to the police within 24 hours as leaving the scene of an accident is a crime although probably wont go any further but it will help any claim you make and save your no claims, as for the gear box it should be fine mate youll soon know if you start the car and drive about abit thats if its driveable that is.
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spoke to them they dont want to go through the insurance, they were a little funny about the damage that they have caused. They reckon they've only caught the edge of the bumper but there is is a scuff on the rear left tail panel as well which they're not willing to pay for because apparently it is one of the problems of parking on this street. :angry: The whole bumper was hanging off brackets snapped and that and doesnt want to go back on. Another problem is it was originally small bumper so what the hell do i order off vag to get it sorted? Also do i charge them for painting the bumper or what? Where do i go to have it painted etc etc basically they dont wanna claim on the insurance
if there being funny about it use your insurance mate they will sort all that out, if they dont want to go thru insurance company then they have already admitted liability so if there not goner pay to repair all the damage caused then dont go down that road it could be alot of hassle.
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cheers for support only problem is it was originally small bumper so how do i go about that. I never put the big b umpers on so could be a lot of hassle?
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cheers for support only problem is it was originally small bumper so how do i go about that. I never put the big b umpers on so could be a lot of hassle?
shouldnt be a huge problem the garage replaces like for like they will estimate damamge for replacement of parts on that basis as there still standard bumpers i dont see why there would be any problems but this is only a guess, easiest way is get your quotes and let either someone you know and trust do the repairs or one of the repairers from the quotes as they wont inform insurance company you have the incorrect bumpers :D they will just send them the invoice.
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If you have their details, pass them onto your insurers and let them deal with it. People that prang mk2's piss me off :angry:
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they dont want me to go through their insurance and reckon they're willing to pay for a new bumper, bastards!!! Pissed me off rotten!!! ruddy mot next week as well all i ruddy need!!! ps some pics :embarassed:
(http://i7.photobucket.com/albums/y291/marcogolfo/DSC01149.jpg)
(http://i7.photobucket.com/albums/y291/marcogolfo/DSC01148.jpg)
(http://i7.photobucket.com/albums/y291/marcogolfo/DSC01147.jpg)
(http://i7.photobucket.com/albums/y291/marcogolfo/DSC01146.jpg)
(http://i7.photobucket.com/albums/y291/marcogolfo/DSC01145.jpg)
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Say to them thats fine don't pay for it but I'm going to report it and go thru insurance. If they won't pay just do it. You will be fine with you big bumper but I'd deffo report it to the police you are in the right and they have done wrong so they will have to pay for it and their ins claim will go up and they will learn never to hit a mk2
Please please report it and go thru ins otherwise you could be left with nothing if they refuse to pay
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Say to them thats fine don't pay for it but I'm going to report it and go thru insurance. If they won't pay just do it. You will be fine with you big bumper but I'd deffo report it to the police you are in the right and they have done wrong so they will have to pay for it and their ins claim will go up and they will learn never to hit a mk2
Please please report it and go thru ins otherwise you could be left with nothing if they refuse to pay
what she said ^^^
just supply your insurers with the other party's reg. number. oh, and report it to the police :evil:
arseholes.
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absolute nightmare just what i dont need thx for your support. You reckon report it to the police anyway? Even if they have confirmed that they will pay for it?
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Dude....please please please, report it to the police and tell your insurance the other party's registration.
It would be fair enough letting it go if it was just a scuff, but the whole bumper is off :undecided: There may be other damage lurking, which could be more costly than replacing just the bumper alone :sad:
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YES!!!
Cover your back!! Then your given a number and if they refuse to pay for work done which they could do you just ring your ins company up they will get report from police and they will go forward if you need them to! I'd go thru insurance less they pay for everything you want. And tell them that!!
Report it now boy!! Tis really easy to do and they will just report all damage done - will stop others sayin oh no we didn't agree to that and try and get them to apologize to you infront of some people because that's admitting liability - which is why when you get involved in a prang you NEVER say sorry even if it was your fault  :wink:
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waiting for the woman to get home from work then im gonna report as you guys know best. Cheers. Have a witness that saw it happen as well so its not too bad, trouble is my documents are 150 miles away :(
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what they said :D if you do use your insurers which you should then report it before hand with the police to save time, this way they will repair it and recover damages form the 3rd party weather there insured or not and you dont have the hassle or argueing over weather there goner pay for the paint work and other things that you might now have relised just yet.
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waiting for the woman to get home from work then im gonna report as you guys know best. Cheers. Have a witness that saw it happen as well so its not too bad, trouble is my documents are 150 miles away :(
go with it then :D unrelated witness's help claims greatly especially seeing as they drove off :D wouldnt worry about documents you dont require any to report it to police or insurers, police shouldnt ask for them and even so you have 7 days to produce if they do.
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naaah they didnt drive off they just parked their car in front and didnt leave a note on the windscreen of mine or anything. It was only after a little investigation work that i found out who did it and managed to track down where they live where they then said theyd done it etc. So i should notify my insurance and what have you. I won't lose no claims will i just a thought i know its a silly question :rolleyes:
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nah you wont loose no claims as you wasnt even in the car they would have to prove you where parked dangerously or in a way that caused them to hit you so id say not a chance in hell and they have accepted liability already by not reporting it and trying to pay for the damage without going through insurers just make sure you inform your insurance company of everything you basically just told us and they shouldnt even ask for you to pay the excess.
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just sent the misses round to tell them that its gonna cost 120 quid for a new genuine vag bumper and 70 quid for it to be sprayed
we will have to wait and see what the outcom eis
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the misses won't report it to the insurance and its registered in her name. She has been down to the police station and they have said that they dont wish to know about it unless anybody was hurt. She's convinced that her insurance will go up if she notifies them. Do we have 24hours to contact the insurance company in order to be covered or is that just the police im spittin flames here :undecided:
cant shout at the misses anymore
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just demand £200 off of em to be on the safe side, they either pay it or you take it through insurance, i always find a bit of a threat of physical violence helps your case..... i had a farmer back his hilux into my mk4 last year, scratched some paint of me bumper... not alot you might think but enough to really pi55 me off!!, 1st he denied it all saying i backed into him (i was waiting on garage forecourt to move to pump when vacant, this muppet didnt look, reversed into the forecourt from the road and clipped me), fortunately when i got out of the car (erm im not small) he shat his pants... 20 mins of me threatening to do him and alot of bad words (sorry kids) and he admitted it, but he wasnt gonna pay up out of his own pocket... i buffed most off it out my self and you could hardly notice, got a quote from local body shop £180, got the work done and took the bill to his insurers (local as hes a farmer) he had told them about it, they took a few weeks to pay body shop but it was out of my hands so i was pleased in a way....
kicking off always works for me!
:grin:
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the misses won't report it to the insurance and its registered in her name. She has been down to the police station and they have said that they dont wish to know about it unless anybody was hurt. She's convinced that her insurance will go up if she notifies them. Do we have 24hours to contact the insurance company in order to be covered or is that just the police im spittin flames here :undecided:
cant shout at the misses anymore
Any accident which isn't your fault will not affect your policy or your no claims. Tell them sooner rather than later :undecided:
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cant argue with my misses im afraid her foots gone down lol. I'd be violent with the person that crashed into my car but its a woman :rolleyes: the misses rang the insurance and they said that it would have to come out of our policy initially 350 quid excess we would have to pay and theyd then bill the other persons insurance and depending on wether or not the other insurance paid up we would lose our no claims or keep them. Also they said it would most definitely put the insurance up as although its not our fault all claims have to be processed in terms of wether or not youd made a claim your fault or not or something like that. Plus they said when they do the work, they could only replace small bumpers as they are the manufacturers standard on a 1987 golf. What a ballache we've just decided to f**k it off and get a bumper from a scrappy, and just pray we get some coin off this woman :huh:
oh yeah and good for you dubfather. Wish i had half the temper i used to have, ive mellowed to much i think :grin:
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oh well see how you go mate......
sold a genuine vw big bumper in white a few months ago £5!!!! had it hanging round for ages... always the way :sad:
yeah hopefully the woman should dish you some coin man... sucks if she dont..
mellowed..... yeah so have i!!, now 30, mrs and kids were in the car when it happened.... 5/6 years ago id have done time for what i would have done to some one who scratched my car :angry:
lol
:laugh:
good luck mate anyways!
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dude...i went into the back of sumone in oct n believe me u need to tell the police just for a crime number..as they walked away from the accident without reporting,thats a crime in its self and if you didn investigate it,you would have been payin for it so dont do that other person any favours by not going throu your insurance..cos your only saving them their no claims..if your missus is worried about her ncb,go throu a no win no fee soliicitor but believe me,you shouldnt be payin for nothing as it wasn your fault..
i feckin hate feckin lyin cheatin b@stids!! :angry: :angry:
Dinx :kiss:
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i agree with dinx you only report when someone is hurt or the other person has left the scene without notifying the police or leaving there details but seeing as you know have there details that may be why they wouldnt take the report, also if you insurance is saying that you will pay more then dont go with them next time cause thats taking the pi55 and asking for £350 excess is really taking the piss there are third party companies that will recover costs from accidents that clearly arent your fault i used one many moons ago when a bus reversed into my parked car i never paid a penny and they spoke to the insurance company with 2 days the other insurance had taken my car and given me a courtesy car while they repaired the damage. no marks on your insurance that way and no need to pay out excess.
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well it was my fault..even thou there was sum things that he said were total n utter sh!t :angry: (total scrounger just after money) n i haven paid anything..so i dont get where you would have to pay the excess?! even thou most,if not all,policies state you would need to pay the excess in the case of any claim,i assumed that was only the case for a claim against your own car,wen your fault or say your windscreen was broken had u not taken out additional cover.. :undecided:
Dinx :kiss:
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http://www.accident-compensation-information.co.uk/html/car_accident_compensation_claim.html
i used these people and to be honest the accident was simular i was parked on teh side of the road outside a bus garage, it was night when i left work ironically i worked there too and i didnt notice anything was wrong till next morning when i went to get in and noticed that the rear 1/4 panel was smashed in and the rear wheel buckled dont know how i didnt notice the wheel the night before. i asked about at the garage if anyone had seen anything and some gave the reg of the bus and time it hit it hit the car and said they reported it to the garage manager i contacted my insurance and they said cause i was 3rd party cover id have to wait for settlement and asked me for 3 quotes. i got 1 from fords, 1 from a local garage and one from a mates work who gave me the leaflet with that company on, i gave them a call and solicitor came to my house photographed the car and ran through everything, week later i had insurance accepting liability and wanted the quotes and cost of loss's from rental cars and loss of earning etc. i dont trust these no win no fees after all the stuff in the papers and on tv about them but they did great and recovered there costs direct from the insurers included in my loss's :D
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oh the other thing is it can take a while with these people and it can go to court but thats doubtful in your instance as blame is clearly not yours.
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cheers guys this is very informative. I'd be in touch with the insurance company but my misses wont have any of it. She's not willin to shell out 350 quid excess for the sake of a bumper in the hope of waiting months to get it back from the other persons insurance. Also she doent want to have to mention to the insurance that she had to make a claim when it comes to renewal. I'm gutted but what can i say at the end of the day she's the policy holder coz i cant get insured due to using up my no claims on a car that i drove into a flood a couple of years ago evn though it wasn't technically my fault i lost my claims. Insurance sucks i can't believe its sooo difficult. Were with elephant by the way. If it comes to it and the woman who trashed my bumper who should be back tomorrow doesn't cough up then we will be forced to contact the insurance. Only problem is they will only renew standard parts so all we will get out of it is a headache and a small bumper which isnt needed. Nevermind......scrappy it is i think. The way I'm looking at it is if she gives me anything over a hundred quid then thats a bonus because i should be able to get hold of a big bumper and spray it up well for 50 quid though it would be never as good as a new one. Thx peeps appreciate your support. Failing all else someone could find their car trashed, you never know sometimes these things just happen all on their own. :evil:
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dude..im with admiral whom elephant are a part of and they were proper helpful i have to say...if your missus really doesnt wanna go throu insurance,go throu a no win no fee like i said..if u hav a witness,u got a case rite there..no offence mate but i think ur daft if your gonna shell out like,there is no way i wud..it wasnt ur fault so why pay for anything?a daint get it?!give me a couple o days..may have a rear big bumper for sale anyhoo! :wink: thats if you dont find one...
Dinx :kiss:
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cheers
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i'd get them done for leaving the scene of an accident too...
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Its your choce wether you go through the insurance company or not. Thats what you pay insurance for. They are responsible so u wont loose your no claims.
I would get in touch with your insurers and pass on the details of the car that hit you. They should do the rest.
If theyre bein sh!tty about contacting theire insurers its not your problem and theres more of a reason to get their insurance involved, just to piss them off some more! What ever happens, make sure you dont do badly out of it! Its not your fault!
Could be worse, it could have been hit by a train...
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just told the woman its gonna cost her 200 notes cash in my hand by the end of the day or else its insurance time. She's thinking about it, i said well dont think too long
will keep you informed
cheers, at least it wasn't hit by a train, although i did have a car once that had a tree fall on it in a storm however that was a ford so we will say no more :grin:
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Let the police know! dont let them get away with it! :angry:
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the police dont wish to know as long as nobody was hurt they dont care. The woman doesn't want to pay and she was really funny about it when i knocked on her door as if i had inconvenienced her in some way. I just reported it to the insurance and they are going to ring back tomorrow morning. I will keep you posted
stupid cow
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they do hav to take it further thou if your reporting it..trust me..ive been throu all of this and even if your just get a crime number make sure u do hav it on their records as logged..told you not to do her any favours...shes not gonna pay if she dont have to..make sure you give your insurance the details of the witness as well..
Dinx :kiss:
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didnt the cops take any details from you? thats well sh't! they only care when they can make some money from tickets!  :angry:
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thats right, get a crime number! could make all the difference! dont back down, that was i real mess! if you dont get any joy get some black clothes and some paint stripper on go round in the dead of night! get your money's worth!!  :evil:
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they laughed at us in the cop shop and said if theres no crime and noones hurt then we cant do anything. Notify the insurance company :shocked:
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wen i had my prang,they were so helpful..took statements n everything..i dont understand why they would have been different with you? seeing as in my case,i went into the back of sumone..
Dinx :kiss:
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they laughed at us in the cop shop and said if theres no crime and noones hurt then we cant do anything. Notify the insurance company :shocked:
There was a crime, they left the scene of the accident and the only reason you know who did it was because you investigated and had a witness. :undecided: Sounds to me like she's not insured though. :undecided:
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sounds like it could be the case. When i wrote my car off there was noone else on the road and even i wasnt injured but without a crime number my insurance company wouldnt pay out. There has been a crime, she reversed into a golf...not only was it a golf, it was your golf! If 200 notes will cover it then go for it but like i said before dont settle if your lookin like doing badly out of it!
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Right this is what you do mate, go threw the insurance, as by the sounds of things she isnt insured!! and she is fogging you off and keeping you on hold, which is a problem because if you leave it to long your insurance company might get funny with you, they also dont like it if you try and sort things out behind there back, so to speak.
You'll have to pay your access, but take a claim out at the small claims court and sue her for the £350 that you have lost because of this, it will cost you £80 but you'll get that back when you win, which iam sure you'll will, just speak to C. advice they'll advice you for free.
Police dont really care about "prangs" specially if your in a car park or a private road, although its always good just to report it anyway even if they aint interested.
Please dont let her get away with this, dont go asking her for money any more, do it the LEGAL way mate!!! this is why you pay insurance!!
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cant believe we will have to pay our excess! What a nightmare!
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seriously mate, take it to the small claims court (local county court) and sue her for that money that you have lost because of the damage she had done to your car.
Dont let this cow put you out of pocket!!!
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will do dont worry, just that money is short at the moment and i probably couldnt afford to shell out the excess cos my mot is up shortly :embarassed: Been told i got to go to 2 independant garages and get two quotes then fax them to the insurance
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yeah i know... but just think this other women is now much more out of pocket than you, as her insurance will go up, and if she aint got insurance then thats an £800 fine, also if you sue her thats £350 plus court fee's she'll all have to pay!!
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thats wot ive been sayin..dont do her any favours...she aint bothered about your predicament or your car..
Dinx :kiss:
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Yeah dont do her any favours and just go for it!!
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will do dont worry, just that money is short at the moment and i probably couldnt afford to shell out the excess cos my mot is up shortly :embarassed: Been told i got to go to 2 independant garages and get two quotes then fax them to the insurance
dont worry about affording it find a garage local or maybe someone on here can help what you do is get a quote and inform the insurance company you want them to do the work and you can negoitiate with the garage i did this before and never had to pay £400 excess as they gave them a price with the excess added :D the garage normally collects the excess as the insurance company pays for the quote minus excess that and you could also pay the £200 for repairing it instead of your excess still claiming with the insurance but repairing it yourself and wait for a settlement this way you have your car going and you dont have pay the full amount of excess :D
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seriously mate, take it to the small claims court (local county court) and sue her for that money that you have lost because of the damage she had done to your car.
Dont let this cow put you out of pocket!!!
If you take them to a small claims court and win, i think that they have to pay for your legal bill aswell
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Yeah mix they do have to pay that.
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cheers i will let yo know whats happening soon. Just found out that the car was a few weeks overdue on the mot so its there getting that done at the mo :embarassed: :sad: