Someone drove into my car today! - HotUKDeals
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Someone drove into my car today!

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7y, 11m agoPosted 7 years, 11 months ago
And smashed my wing mirror off, i was sat parked up outside school so obviously not my fault. The lady stopped and gave me her business card ect said it was company car. thing is my excess is £350 so i cant really see the point of going through insurance but then again maybe i will have to, im so confussed!!!
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7y, 11m agoPosted 7 years, 11 months ago
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1 Like #1
Hold on just checking to see if you're Mardyass.............. surprisingly you're not.
#2
if she ran into you then surely you don't have to pay.
#3
If it was their fault, it will be a claim on their insurance, not yours. Won't cost you a penny.
#4
If it wasn't your fault, surely you don't pay the excess!
#5
Says on my admiral insurance 'regardless of blame'
#6
abomination
Hold on just checking to see if you're Mardyass.............. surprisingly you're not.



:)
#7
Small damage only I would not worry.

Id speak to the company and do without the insurance. Get them to pay to fix it.

Any problems just say your neck is sore and you will take the company to court?

Never know.
banned#8
if it was not your fault and the other lady accepts liability you will get your excess waived, but if the cost of the repair is under your excess the garage will only charge you the repair amount any way

hope your ok x
#9
I had this happen to me a couple of months ago - be careful wing mirrors can be really expensive, mine was nearly £1,000!
#10
Oh my god...Good luck with Admiral. They accepted blame on our behalf for an accident we were not involved in. Even had the police on to us and accepted blame as they said we couldn't fight it cos the other driver gave our number plate.. I know what I'm doing if I hit something in my car and don't want to pay out for it ! It is along story (yawn) but wouldn't touch Admiral with a barge pole. It took them a year and a half to sort a previous claim as well.... Sorry bout the rant it makes me mad just to see the name Admiral. Don't let them con you.
#11
£1000 wing mirror? what car do you drive?!?!
#12
Bmw X5.
#13
" Wing Mirror " ????

We havn't had wing mirrors for about 30 years, they are door mirrors .. :)
#14
My first port of call would be to ring the person and see whether she wants to deal through the insurance or settle outside
#15
peodude
My first port of call would be to ring the person and see whether she wants to deal through the insurance or settle outside


That's unlikely with a company car isn't it.

As stated above you will get your excess back if their insurance coughs up.

The only thing is I had to pay the excess up front to get the car repaired then I had it repaid to me at a later date.
#16
Her Insurance should cover your costs as well. So any excess you pay should be paid by the company car insurance too.

Hey. At least she left you her card. Many people would have drove off. Happened to me twice before, but far more damage than a door mirror.
#17
If you have solicitors cover on your car insurance or maybe even on house insurance you could get them to chase it up for you, without involving the insurance.
If not there are a few solicitors who would be happy to take on 'no fault' claims on a no win no fee basis.

If they have a £350 excess they may prefer to pay cash which is easier.
If it's just the glass you can get stick on mirror glass to replace the broken glass. (£15) Okay if you get the driver to give you £200 cash ;)
#18
kevinmc74
Bmw X5.


Oh dear, i better watch where i park then! :roll:
banned#19
GreenGem

If they have a £350 excess they may prefer to pay cash which is easier.


Excess doesn't apply for a third party claim. If I hit someone's car and my insurers deal with their damage, I don't have to pay an excess.

The excess is the first part of a claim that you pay when you make a claim.

Just thought I'd clear that up and be boring!
banned#20
ouch unlucky mate.
#21
ajay87
Her Insurance should cover your costs as well. So any excess you pay should be paid by the company car insurance too.

Hey. At least she left you her card. Many people would have drove off. Happened to me twice before, but far more damage than a door mirror.


she was sat in the car mate!

hardly gonna drive off and get away with it
#22
casparwhite
she was sat in the car mate!

hardly gonna drive off and get away with it


Ermmm Yes. It does. ......'mate'
#23
ajay87
Ermmm Yes. It does. ......'mate'


dont quite understand that post but if they do drive away they are commiting another crime of leaving the scene of an accident

do explain how you can get hit by another car while you are in the vehicle and let the culprit get away without taking the numberplate tho as i am intrigued:thinking:
#24
casparwhite
dont quite understand that post but if they do drive away they are commiting another crime of leaving the scene of an accident

do explain how you can get hit by another car while you are in the vehicle and let the culprit get away without taking the numberplate tho as i am intrigued:thinking:


All I'm stating is that it does happen. You post stating that they are not exactly going to just drive away - it does happen. OBVIOUSLY, it's a criminal offence.

As for the number plate issue, of course, many people do get the plates, as so in many cases. However sometimes its not possible, your too shocked to realise what has happened, by the time you look at the plate it's out of sight, car going the other way??? Come on. Use your common sense.
#25
ajay87
All I'm stating is that it does happen. You post stating that they are not exactly going to just drive away - it does happen. OBVIOUSLY, it's a criminal offence.

As for the number plate issue, of course, many people do get the plates, as so in many cases. However sometimes its not possible, your too shocked to realise what has happened, by the time you look at the plate it's out of sight, car going the other way??? Come on. Use your common sense.


re-read my post and you will see i said they are not gonna drive away and get away with it!while your in the car!!!

anybody who cannot grab the number plate or chase after them deserves all they get :w00t:

common sense would say find out who just hit my car as theyve gotta pay 1 way or another
1 Like #26
YOU WILL have to pay your excess if you go through your insurance company and then you will have to claim it back from the ladies insurance (can take a while)

Go to a garage (i would go to the relevant dealer) get a written quote and then ring the lady up and tell her how much it will cost and taht you have a written quote and does her company want to pay for it or go through the insurance company.Take or post the quote and ask them to pay you direct then go to a good garage near you get them to do it and pocket the difference (happy christmas lol)

Our company's excess is £1000 so i know they would settle with out going through the insurance compnay they have done it loads before
#27
I was shocked when it happened and i dont think I would of got her plates if she didnt stop, had kids in car ect, ect. I was more shocked how someone can drive into a parked car(a big car aswell-golf diesel esate), I wasnt looking but the lady parked behind me said she was driving over the speed limit. Ive took it to a local bodyshop and got a quote of £370+vat so gonna ring her in a bit and see what she wants to do. I just want it sorted so I can advertise it, was meant to take pics today for autotrader.
#28
What about one of those companys advertised on the radio ,Wins . If it is'nt your fault they fight the case without going through your own insurance company .Just a thougth .
#29
Just to add my 2 cents, I work for an insurance broker and as long as she has admitted liability then you dont have to pay an xs, just make sure you have legal expenses thats what you pay the extra for! Although really legal cover is just another charge.... but thats a diff story!

If you didnt take legal then dont worry there are plenty of companies that can offer their services. The guys we use are called ALPS, not sure Im allowed to post their number or web address here, but if want it just pm me.

Oh forgot to say their service is free!
banned#30
EBT;3771186
I was shocked when it happened and i dont think I would of got her plates if she didnt stop, had kids in car ect, ect. I was more shocked how someone can drive into a parked car(a big car aswell-golf diesel esate), I wasnt looking but the lady parked behind me said she was driving over the speed limit. Ive took it to a local bodyshop and got a quote of £370+vat so gonna ring her in a bit and see what she wants to do. I just want it sorted so I can advertise it, was meant to take pics today for autotrader.

£370+ for a wing mirror :w00t:

Anyway, I hope you were not illegally parked (outside school) as this could potentially affect the claim.
#31
csiman
£370+ for a wing mirror :w00t:

Anyway, I hope you were not illegally parked (outside school) as this could potentially affect the claim.


No I wasnt, never do!
#32
Well the womans company wanted to go through the insurance so having to do that, what a parlava
#33
You do have a choice.

Although you have to have insurance you don't have to use it to claim.

Ring Winn Solicitors and see if they will do the work for you.
They'll get you a car while you car is being repaired too.

Check out this explanation on how it works for non-fault cases..
http://www.winnsolicitors.com/page/nonfault.php

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