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    Rear ended by a 2002 plate Mercedes Benz driver

    Banned
    I don't want to involve the insurers nor does he, so we need to keep this hush hush, luckily for me I had a tow bar which destroyed his front end har har!

    His number plate left a nice imprint on my rear bumper, a respray would probably sort it he's agreed to it as long as the quote is reasonable.

    Having a mechanic look at the under frame tomorrow to make sure the shunt didn't write off my car. It's barely worth £600.

    Anyone else had any experience of these back handers? do they work? I have all his details he's got my phone number that's it.

    Another question is though why didn't his ABS work?

    [we are both insured, just checked]

    30 Comments

    Did you take photos at the time (please say yes)?
    Did you have a third party witness?

    its no bad thing not to go through insurance, saves him losing his no claims which makes sense really, why lose out if hes prepared to pay.....on the other hand if you car looks to be a total loss, you really need to go through insurance unless he's going to fork out £600.

    Banned

    For real?!

    Banned

    Thinking his ABS would stop him rear ending you is just plain silly

    very silly , is he genuine ??? did he give you a few hundred in your hand after the crash or did he say get a quote first ? are his details correct he gave you , and WAS HE INSURED , does not sound like to me ,

    If the damage is cosmetic and you can live with it.
    His excess is min £250.00.
    So a quote from a local garage of £350.00 ish wont be to hard for him to swallow.
    Last thing you want is a wright off.
    unless your cars on its last legs.
    Take tme cash and say thanks.
    Merry christmas

    Always better to deal with it outside of the insurance if it's a not a huge bill otherwise BOTH your insurance policies would go up above normal cost for the next 5 years, it doesn't matter who's at fault either. I'd have gotten him to do all the running around though.

    BTW My wife reversed into someone a little while ago and we sorted it without involving insurance, it was cheaper, quicker (fixed 3 days later) and a lot less hassle all round - it only took about 5mins of calls. Most insurance companies are a complete ballache. We're still waiting for a no fault payout from almost 3 years ago! Plus the big bodyshops (Car Clinic etc) that insurance companies like to use are ****.

    Edited by: "makkax1" 15th Dec 2010

    Banned

    Obviously you should declare this to your insurance company regardless.

    bigwheels

    If the damage is cosmetic and you can live with it.His excess is min … If the damage is cosmetic and you can live with it.His excess is min £250.00.So a quote from a local garage of £350.00 ish wont be to hard for him to swallow.Last thing you want is a wright off.unless your cars on its last legs.Take tme cash and say thanks.Merry christmas



    I agree.

    You got rear ended?! Is this a follow on from your bromance wedding thread?! :P

    Is a toe bar used for toeing the G/F? We have a tow bar, so much more useful! Had identical situation with Audi rear-ending son's Peug 106. Guy wanted to do a cash deal but garage looked at damage and though it looked ok-ish car was written off so went through insurance. Non-fault claims shouldn't affect your insurance.

    Original Poster Banned

    electriclinux

    Did you take photos at the time (please say yes)?Did you have a third … Did you take photos at the time (please say yes)?Did you have a third party witness?



    Taken photos at home, middle of rush hour no one wanted to stop. It's not going to be hard to prove he's had the front end of his car repaired. It's parked at the train station might go take some photos of it actually.

    Just searched him on the internet he's a Director of some company or other looks good
    Edited by: "lumoruk" 16th Dec 2010

    Original Poster Banned

    kingy58

    Is a toe bar used for toeing the G/F? We have a tow bar



    Cheers...corrected
    Edited by: "lumoruk" 16th Dec 2010

    Original Poster Banned

    dimebars

    Thinking his ABS would stop him rear ending you is just plain silly



    What? Why is it, do you not drive a car with ABS? By my experience it can cut the distance of stopping by more than 50%!

    lumoruk

    What? Why is it, do you not drive a car with ABS? By my experience it can … What? Why is it, do you not drive a car with ABS? By my experience it can cut the distance of stopping by more than 50%!



    More than 50% eh? Are you just pulling figures from thin air? I'm sure a lack of driver concentration overrides any ABS the car might have tbh.

    Original Poster Banned

    VanDutch

    More than 50% eh? Are you just pulling figures from thin air? I'm sure a … More than 50% eh? Are you just pulling figures from thin air? I'm sure a lack of driver concentration overrides any ABS the car might have tbh.




    I measured it in a work Ford ranger ABS certainly gives you more margin of error when it comes to lack of driver concentration.
    Edited by: "lumoruk" 16th Dec 2010

    not in ice makes it worse because it basically turns off the breaks. Trust me, it isnt helpful

    lumoruk

    I measured it in a work Ford ranger ABS certainly gives you more … I measured it in a work Ford ranger ABS certainly gives you more margin of error when it comes to lack of driver concentration.

    Original Poster Banned

    golemsmate

    not in ice makes it worse because it basically turns off the breaks. … not in ice makes it worse because it basically turns off the breaks. Trust me, it isnt helpful



    Your ABS must be broke like the merc drivers or you don't know how to use it. Foot to floor as hard as you can and don't lift.

    P.s. this thread is not a discussion on the pros and cons of ABS.

    Banned

    bigwheels

    If the damage is cosmetic and you can live with it.His excess is min … If the damage is cosmetic and you can live with it.His excess is min £250.00.So a quote from a local garage of £350.00 ish wont be to hard for him to swallow.Last thing you want is a wright off.unless your cars on its last legs.Take tme cash and say thanks.Merry christmas


    how do you know his excess is £250?

    insurance would pay for both cars damage if fully comp so cant really say £350 is acceptable just for lumors damage.

    just get a quote properly and agree on the price

    remember that lumors insurance is likely to go up to in the event of any claim (strictly speaking you are meant to declare any accident within last 5 years, regardless of claim anyway).

    VanDutch

    More than 50% eh? Are you just pulling figures from thin air? I'm sure … More than 50% eh? Are you just pulling figures from thin air? I'm sure a lack of driver concentration overrides any ABS the car might have tbh.



    ABS actually increases stopping distances in *optimal* conditions (i.e. dry road, alert and skilled driver), but the fact is more often than not the conditions are not optimal (i.e. we often dont drive well or fail to conentrate and we panic when we lock the wheels up under braking without abs)...

    Most people would go insurance, what if you discover other damage later? What if your neck starts hurting?

    Most people once rear ended would be thinking keeerching!!

    dimebars

    Obviously you should declare this to your insurance company regardless.



    This/

    lumoruk

    Your ABS must be broke like the merc drivers or you don't know how to use … Your ABS must be broke like the merc drivers or you don't know how to use it. Foot to floor as hard as you can and don't lift.P.s. this thread is not a discussion on the pros and cons of ABS.



    ABS is designed to allow you to steer while under heavy braking to try to avoid the hazard, not bring you to a stop sooner.

    I would avoid not going through the insurance, having tried to do that inthe past and it turning out that the other driver was uninsured (a very long story, and one which the police paid no interest in. The end result was that I had a damaged car I couldn't afford to repair).

    If the other party is a director of a company I'd be surprised if it isn't a company car, so he'll be offering to pay for your damage then tell his company insurance that he got back to his car and it was damaged (maybe someone reversed into him with a tow bar attached?), that way all he's paid for is your damage and his premiums will go up by a smaller amount than if he had an 'at fault' claim. Or so he thinks. In reality, if the insurance company have no one to claim against, it is treated the same as an at fault loss.

    Original Poster Banned

    Adam2050

    This/



    I'm sorry I don't see how this achieves anything?

    So what happens if the quote is not reasonable? He's in the wrong, he doesn't get to make terms here. You'll end up in the **** here if he starts haggling about the cost of a spray. And what do you do about transport while the car is on the spray shop? What if the damage is worse than you think.

    This guy must think it's xmas already.

    Get on the phone to your insurance and get down the doctors with that bad neck you've developed.

    Edited by: "davelfc" 16th Dec 2010

    Banned

    lumoruk

    I'm sorry I don't see how this achieves anything?


    you have to declare it when getting quotes regardless of claim

    Original Poster Banned

    Just been to two shops and my mate here's the outcome

    Mechanic Mate: "don't worry about it, it's put a dint in your spare wheel well and probably squashed your slam panel, take it to your insurers, get down the doctors with that bad neck of yours and claim your £2k everyone does it now"

    Quote 1: "You just want the bumper sprayed? Okay we'll email you the quote" (yeah right)

    Quote 2: "It's a write off mate, new bumper, new rear panel respray its more than the £600 book price, I'll even send you letter for your insurance for free. If you want to negotiate with him, start at £500 and work from there. It's okay to drive, if you want to stick a screw in the bumper to hold it on, that'll do the trick"



    Edited by: "lumoruk" 16th Dec 2010

    lumoruk

    Just been to two shops and my mate here's the outcomeMechanic Mate: … Just been to two shops and my mate here's the outcomeMechanic Mate: "don't worry about it, it's put a dint in your spare wheel well and probably squashed your slam panel, take it to your insurers, get down the doctors with that bad neck of yours and claim your £2k everyone does it now"Quote 1: "You just want the bumper sprayed? Okay we'll email you the quote" (yeah right)Quote 2: "It's a write off mate, new bumper, new rear panel respray its more than the £600 book price, I'll even send you letter for your insurance for free. If you want to negotiate with him, start at £500 and work from there. It's okay to drive, if you want to stick a screw in the bumper to hold it on, that'll do the trick"



    You're acting like the prize plonker you are. Why make it difficult for yourself? Is it because you think you can see the opportunity to make a bit of cash just before christmas?
    It's a no brainer. His fault 100% so get on the phone to your insurance company, it'll be sorted in 5 minutes. What's it to you if he loses his no claims?

    csiman

    you have to declare it when getting quotes regardless of claim



    It's fraudulent if you don't, that's what it achieves.
    Insurance companies insure you at a price calculated by risk. They are entitled to know the risk posed by you and any other drivers. You not declaring this collision means they could quote you a renewal price which is inaccurate as you could actually pose a greater risk of a claim than they thought. Obviously you're not at fault here but there could be circumstances where in your opinion you're not to blame but the insurance company think you are.
    I'm just explaining why insurance companies insist (and they will if you read the small print) that you report any accidents to them.

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