GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: simoor on 05 December 2013, 09:19
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Hi All,
I woke up this morning to the below devastation to my GTI. As you can see next doors bin had a paving slab on top of it, and the wind has blown this into my car. The most annoying thing is that the colour of the car is Oryx white, and this may be difficult to touch up/re-spray.
I'm just after some advice really, I have the following info:
* The grey concrete divider on the floor is the boundary between properties.
* I do have CCTV on the drive, but need to check this tonight.
* I have taken a lot of pictures of the area.
* I have informed next door, and we are catching up tonight.
* I have this 'inchcape' dent cover protection, but the area is too big for the damage radius chart. Also I have noticed that they don't cover 'pearlescent' paint, Oryx white does have a slight 'pearlescent' look to it. I'm assuming this could be another case I need to raise.
* They could class this as an act of god, but putting a paving slab on top may change this.
* The car was taken out under the VW solutions finance so needs to be done by an authorised body shop.
Should I now raise this with my car insurance all leave all actions until tonight when I talk with my neighbour. I am popping to my local VW dealer to see what options I have through them (dent protection, body shop costs)
Thanks in advance! :smiley:
Simon
(http://i3.photobucket.com/albums/y95/moor2133/photo3-2.jpg) (http://s3.photobucket.com/user/moor2133/media/photo3-2.jpg.html)
(http://i3.photobucket.com/albums/y95/moor2133/photo1-2.jpg) (http://s3.photobucket.com/user/moor2133/media/photo1-2.jpg.html)
(http://i3.photobucket.com/albums/y95/moor2133/photo2-2.jpg) (http://s3.photobucket.com/user/moor2133/media/photo2-2.jpg.html)
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Oh no - really sorry to hear and see this.... looking at the pics I think it will be repairable but not without significant re-painting, excacarbated by the fact is Oryx White which is a difficult colour to match and blend. Has it pushed the metal in or is it just scratches? Soem of the look pretty deep?
Not sure if yor neighbours household insrance would cover this as I don'th think those plicies have third party risks. I suspect you may well have to ask them to pay for this as even if you claim on your own polcy and they pay the excess there would still be future implications due to the 'claim'.
First thing I would be doing is to identify a local quality bodyshop - no harm in asking your dealer as the paint warranty will require a 'VW Approved' shop anyway - and get a quote. This will take a couple of days.
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We had a similar incident although different ....
The chimney cowel was blown off of our chimney and landed on my car. I tried to go through my own house insurance, but they would not cover it as i was not a "third party".
So, we discussed what would have happened if the cowel had hit the neighbours car. They told me that it would then be covered under our house insurance. Almost like a third party cover.
So, hopefully your neighbour has house insurance that covers 3rd party damage. Try that route first. If not and depending on your relationship with next door, it would be a case of a civil action :( . I guess the case would be that they were not careful where they left the bin. It can all get a bit nasty.
Hopefully, you can settle it without any problems :)
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Ouch!! :sick:
First thing i'd do is talk to your neighbour, if they're willing to pay then it's half the battle of insurance and all that goes with it.
Find a decent bodyshop, even if they're "VW Approved" it doesn't mean they're any good.
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Awful. I feel your pain. I'd defo speak to your neighbour, after all what kind of moron puts a slab like that on their bin without thinking about the consequences of if it were to blow off (especially with these winds) :angry:
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Awful, and such beautiful paint too. I hope the neighbours will see sense and go through their insurance? Hopefully they are amicable and you will have a few good options.
Good idea getting pre-emptive quotes etc. At least you can be prepared.
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Find a decent bodyshop, even if they're "VW Approved" it doesn't mean they're any good.
Hear hear.
That's terrible, but unfortunately these things happen. I would insist that your neighbour should claim off his insurance or out of his own pocket. It's not going to be cheap to repair properly tho'. I'd guess at around £8-900.
On another matter, If VW dent insurance doesn't cover your type of paint, I'd be after them for a refund at full retail price. It's probably a case of an ill informed salesman looking to boost his commission, but when it comes down to it, it's miss selling.
Good luck. :smiley:
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Hi All, Thanks for all of the advice, I instantly knew this morning that you lot would be very helpful :smiley:
I have just had a quote for the car:
VW Chester
Repair:
Slight dint
Paint:
N/S Door
Blend N/S/F wing and N/S/R quarter panel
Also a GTI side badge as removal will damage it.
£847.50
I am going to try and recover my costs for the VW dent insurance as it seems they don't cover my type of paint.
Thanks once again and I'll keep you posted.
Simon
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On another matter, If VW dent insurance doesn't cover your type of paint, I'd be after them for a refund at full retail price. It's probably a case of an ill informed salesman looking to boost his commission, but when it comes down to it, it's miss selling.
Definitely. Its not as if they didn't know what car the policy was going on.
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Sorry to see this! Hopefully next door's house insurance will cover...
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This is awful!!
Hope something gets sorted.. keep us posted.
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Hmm. Very unlucky. I suspect you will have to claim on your own vehicle insurance, unless your neighbour's household insurance covers third party risks, which it may well not. During the October storm, my roof decided to launch a whole load of roof tiles towards the neighbour's house and damaged some bricks. Fortunately it did not land on either of our cars. I had liability insurance but that only covers you, if the neighbour had pointed out that the roof was "likely" to fall and cause damage. I ended up paying for the damage out of my own pocket as a gesture of goodwill. My own buildings insurance paid up for the damage to my roof.
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Sorry to hear about the damage mate, just speak to your neighbour tonight and see what you can both agree on to try resolve without going down the insurance route.
Onyx isn't going to easy at all to paint match, just ensure the body shop do a good and acceptable job.
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£850 is definitely in the realms of wanting insurance to pay for it, especially if a house insurance policy will pay out (far fewer consequences financially of losing some house NCD rather than car insurance NCD). If their house insurance doesn’t have a f**kwit clause to cover the fact they put a slab on a bin (to stop it blowing away or to stop cats getting into it?) then they’ll have to pay out of their own pocket. If things do get a bit scrappy, just be clear with them that you’ve done all you can to get a reasonable quote (get another 2 quotes) and you expect them to pay for it. Is this slab always on the bin? I’d have thought that the bin men (or is that waste disposal technicians?) would not go near a bin that had a heavy slab on during refuse collection day.
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What kind of moron would leave their bins so close to a neighbours car :angry:,they are probably to lazy to get up in the morning and put their bins out.Make them pay.
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:( terrible. The dreaded Flintshire bins. They were all over our street this morning and I was praying I didnt drive into any. hHope you get it sorted.
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Hi All,
I have had a good chat with my next door neighbour and he is going to claim on his house insurance, if not then we are going to sort a fair payment plan, obv main payment before body shop. I should know within the next week.
I also popped around some other body shops with quotes ranging from £650 - £850.
Positive thing is that the damage is really hard to see under natural light, so I still get people looking at my car! I could live without the repair, but under this VW solutions pack it needs to be done.
Thanks all, I'll keep you posted!
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Good news! And great to hear he is a nice neighbour, as hard for him as it is for you (Even if he left a slab in the bin... next to a nice car!! - i do feel his pain, now we know he is a nice person who wants to help!) :P hehe...
Good luck with it, and i hope for both your sakes, the work is cheap, and the work done is good! :)
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Sounds like you will get it sorted to your satisfaction simoor.
This was a tough read. Can't tell you the numbers of times I jumped out of bed to check all was ok last night. Felt like I heard every crash/bang in the street,
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You think that is bad. I've got to sort this out when I get back to the UK... :whistle:
Some Van hit and drove off. It was a tight road and couldn't turn around or reverse out as there was a car behind. Didn't get a reg as it all happened so quick so I'll have to foot the bill.
Sent a few emails asking for quotes but nothing as yet. Seeing as yours is a £850 jobby, I'd imagine mine will easily be £1000+ Theres a bit more damage as well but this is the bulk of it :cry:
(http://thumbsnap.com/s/jS6YyAMK.png)
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Phil, I've got a man near Ludlow that I would trust to repair any car of mine, and believe me, I'm fussy. He fixed and painted the wing on my Golf when I stupidly dropped a drill on it and you would never know.
It's not going to cost you anything like what you think. If you want his details, let me know.
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Phil, if it's just the bumper it won't cost anything like that. Less than half that I would say. The bumpers are much easier to repair than the metal panels.
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I've just had a full respray of my rear bumper completed (due to paint issues that were spotted a few days after collection). I got a quote from my local approved VW repairer and it was around £450.
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Some news... His house insurance will not pay out for the damage as they have told him that I must claim under my car insurance, so I called my car insurance to walk through the potential claim, they have confirmed that it would classed as an 'at fault' claim, due to the fact that they wouldn't be able to recover the costs (totally understand this). He has always offered to pay out right for the damage, but obviously he would of liked his home insurance to pay. My car is now booked in for 3 days next week to get patched up @ Chester VW body-shop. Lets hope it colour matches :sick:
I'll keep you posted with before and after pics.
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Avoid claiming on insurance at all costs :undecided:
End ups costing you more in the long run.
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Can I give some advice as an insurance broker. It all depends on whether you can establish your neighbour's actions were negligent or not.
If you can prove (or have the neighbour's insurance accept) that your neighbour acted carelessly in where he left the bin or HOW he left the bin, then you have a claim against your neighbour.
ALL home buildings insurance has public liability cover as standard and that's the part that would pay your claim.
Of course they don't want to deal with it but I would insist (and quickly) that they must.
The way you do this is by writing to your neighbour setting out your grounds for holding him responsible.....but hand it to him with a nice explanation of the process and a request he immediately submits a claim to his insurer.
On no account would I agree to use my own motor policy except as a last resort. If you do use your own motor insurance they will probably not pay unless you gain their approval/inspection in advance of the repair being done.
Final bit of advice therefore is to contain your impatience and CANCEL the repair until you see who is going to pick this up.....may take some time especially as your neighbour's house insurance may drag their heels.
You should also be aware that damage caused by bad weather which could not reasonably have been foreseen in cause or effect may absolve your neighbour from any liability.
This is where a good friendly insurance broker really comes into their own and direct insurers do not. :whistle:
Good luck and please ask more questions if you need.
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The high winds were foreseen. Lots of coverage on the TV (weather/news). The neighbour foresaw the high winds and chose to stick a heavy slab on the bin to stop it blowing away. The neighbour was negligent in putting the slab on top of the bin – it is not normal to do that, I therefore would not consider this an act of god. Some may claim that a falling roof tile that was torn off by high winds could be an act of God or unforeseen if they were previously considered secure, but even then the house insurance would almost certainly stump up the money.
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I agree with the preceeding two posts - it surely falls squarely on the neighbour to get his home insurance to pay up. I would also suggest cancelling any repairs until the claim has been agreed as there is no way any insurer will pay if they cannot see the damage and influence the cost of the repair.
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I agree too, cancel the repair until a firm outcome is on the table as to who is going to pay for the damage.
It shouldnt be your insurance company.
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Thanks all for the advice, I have cancelled the body shop for now, but next door have literally come back and are happy to pay for the full repair. I will try and get full payment before hand or at least half before confirming, my neighbour hasn't tried to hide away and has been in full comms since it happened, which is great.
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Thanks all for the advice, I have cancelled the body shop for now, but next door have literally come back and are happy to pay for the full repair. I will try and get full payment before hand or at least half before confirming, my neighbour hasn't tried to hide away and has been in full comms since it happened, which is great.
A good neighbour :smiley: maybe after everything has been repair just buy him/her a bottle of bubbly as a thank you? :kiss:
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Hehe nice gesture, although all the neighbour is doing is doing what he should do. (Which agreeably, is rare these days!) - at least a christmas card ;) :)
Although the damage and situation is not good, it is good to see such a tragic thread have some light at the end of the tunnel... and these things do happen, so well handled so far :)
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I can't believe the abuse by people on here towards the OP's neighbour. From what i have read the guy has acknowledged that it was his fault and has agreed to make good. He made a simple error of judgement (albeit a rather silly one) and that was all.
I feel for the OP because it's a nightmare having something happen to your pride and joy especially when you have not had it very long. At least you seem to have a decent neighbour and im sure the car will be fixed perfectly.
A little perspective is required, its hardly a tragic thread. I can think of worse things happening out there.
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I can't believe the abuse by people on here towards the OP's neighbour. From what i have read the guy has acknowledged that it was his fault and has agreed to make good. He made a simple error of judgement (albeit a rather silly one) and that was all.
I feel for the OP because it's a nightmare having something happen to your pride and joy especially when you have not had it very long. At least you seem to have a decent neighbour and im sure the car will be fixed perfectly.
A little perspective is required, its hardly a tragic thread. I can think of worse things happening out there.
Your right.... and its good that its going to end well :smiley:
My neighbour has reversed into my Polo... he seems to think its going to cost £150 approx as he said he would like to settle outside insurance companies.
I told him it won't be that cheap, to make things worse he has not protected his NCB :shocked:
My Polo needs the following:-
New front wing
New arch liner
Paint to wing and door
Laser tracking
Removal of bumper, mirror housing and windscreen shield to get to affected parts.
Total bill coming in just under £1300.
He's going to be in for a shock but it needs resolving.
I am not going to pay a penny nor am I going to let it affect my insurance.
I need to report it by 9pm tonight so going to push him for the direction he wants to take.
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2013GTI: That will cost him dearly - not worth not going through his insurance, unless he's expecting his insurance to go up by a grand next year because he's currently paying £3k as a young kid, or has a stupidly high excess to keep premiums down - I assume that's not the case.
The worst thing about it is that having a non-fault claim does normally affect your next premium, if only by 5%.
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Hi All!
My car went in on Tuesday and I have just collected the car, I can't fault the paint job at all, I have attached some images. Also next door has covered all of the work, he even popped round making sure that I was happy with the job.
(http://i3.photobucket.com/albums/y95/moor2133/photo2-3.jpg) (http://s3.photobucket.com/user/moor2133/media/photo2-3.jpg.html)
(http://i3.photobucket.com/albums/y95/moor2133/photo1-3.jpg) (http://s3.photobucket.com/user/moor2133/media/photo1-3.jpg.html)
(http://i3.photobucket.com/albums/y95/moor2133/photo3-3.jpg) (http://s3.photobucket.com/user/moor2133/media/photo3-3.jpg.html)
Thanks for all of the help and advice! :smiley:
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Yay! Christmas happyness! :)
Congrats Simoor, looks like a great job too! :) Great ending :) (Maybe not for the now poor neighbour ;) )
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Decent result.
Your neighbour could have been a right Prick about it if they wanted to 'Shouldn't have parked your car there'. Now that would be interesting...some people don't care about other peoples property.
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Glad all is sorted successfully! Some years ago my car was parked in our shared driveway when next door had a visitor pull up in his car.
I happened to be looking out the window when at that moment a gust of wind caught the door of the visiting car and slammed into mine!
I went outside immediately to survey the damage and the door slammed so violently it caused a dimple in the rear bodywork.
I mentioned it to the guy that was stood there and he said it was not him that caused it! :rolleyes:
I could prove it though as the impact damage lined up perfectly with the edge of the door on his car!
He sort of said something like, oh it's nothing and licked his finger and rubbed the impact damage! But I was angry!
Cut a very long story short I got his insurance details and it was repaired successfully eventually. What was surprising though, is that my neighbour (don't forget this guy was only visiting), never mentioned anything to me about it, I think they were embarrassed about it but no word like, so sorry that happened, even though we continued to be good friends with them. :sad:
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Time for a bottle of vino for your neighbour!