Minor accident - preempting difficulties - advice appreciated
I was parked up opposite a shop yesterday afternoon and as I came out of the shop I saw an elderly lady had driven into the back of my car. She stopped and we went to inspect the damage.
It was a bright day and so I could see a couple of scratches but thought the light shining on the car was creating the illusion of dents. We exchanged details anyway even though I thought a couple of scratches would be easy enough to fix.
Viewing the car in a different light there are definitely some dents so I took it to a body shop repair place today who have quoted me £180 to repair.
We have contacted the lady who is being quite funny about the situation insisting there was only a scratch. She doesn't want to go through her insurance as insists she is too ill for this so we have agreed to contact her again on Tuesday for her decision (she is going away tomorrow until then)
I guess I would appreciate some advice on what I can do to limit the exposure for myself? I took pictures of my car after the accident and the quote has been given only a day later (written quote)
I understand if she refuses to speak to us further or provide a solution my insurance company can contact hers to take care of it for more but are there any more steps I need to take to ensure I am protected against having to fund this myself or affect my no claims?
Welcome to the site Siani, it all depends on how much excess you carry on your insurance really? You could through the insurance routine, and that will increase your next premium!We all know this is wrong, but that's the way the insurance companies work, as far as they are concerned, you have been involved in a accident, even though you are the innocent party?Of course if the other party refuses to pay for your damage, and you contact your insurance company, the first thing they will say is....why didn't you report this earlier? So it's a catch 22 for you I'm afraid, good luck.
Siani, the only one who is going to bother about you - is you. So, this old lady drives into the back of your car whilst it is parked, therefore she is at fault - no argument. If she is now refusing to discuss the matter, I would take that as a deliberately obstructive attitude, and simply turn the screw. Forget the "too ill to deal with it" stance - if she is that ill she should not be driving anyhow. Tell her you are putting the matter with your insurers, that you have no obligation to help her to avoid her insurers being involved, and to expect your insurers to contact her soon. And advise your insurers immediately.
If they ask about any delay, well, you were being sympathetic to an old lady who has since tried to take advantage of your good nature.
Definitely agree. You were considerate and not wanting to take advantage - some people would have been after a complete respray at least. It has not been appreciated - she is in the wrong on all counts in my view.
Snowball is quite correct except... Going through insurance is likely to cost far more than the £180 for the repair. If she simply refuses to reply to your insurer's letters, they will not pursue such a trivial claim and you won't get anything because it's less than your excess.
My advice is to talk to her again and see if you can agree a settlement - starting from being £180 out of pocket, anything you can get from her is a bonus. You could try threatening her with a claim through the small claims court.
Managed to get hold of her and now have a cheque! Here's hoping it clears! Yipee!
Glad you got it sorted out in the end, these kind of things can wear you down, good luck.
Pleased you have had a satisfactory outcome ; although you could have done without the hassle in the first place. However the lady has been, in my view it is disappointing that some people have used such disrespectful language about her.