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Obviously I don't believe in such things, but since I got my Mazda in 2016 or so it has been hit three times- on each occasion whilst I was stationary. In my previous 20+ years of driving- never been hit.... Annoying.
This one was a fairly young girl- who is now asking if I will go and get a quote and do things outside of insurance. I feel quite sorry for her- its clearly going to be painful either way for her, but especially if she goes through insurance. That said we are both under a legal obligation to report in any event, so organising payment outside of insurance probably wont protect her from premium hikes anyway.
I'm not very inclined to agree- I want it done properly at no hassle to me and really dont want the bother of going around and getting quotes etc and then having to drop the thing off somewhere and get back hom or to work to pick up another car, when an insurance company will send round an assessor, collect the car etc and just sort it.
Being a softy though, I remain undecided at this point. Will wait until tomorrow at least to see if my somewhat sore back is just a fleeting thing, or if I wake up with pain and stiffness.
The presence of those seeking the truth is infinitely to be preferred to the presence of those who think they've found it.
(Sir Terry Pratchett)
I appear to have a jinxed car on 17:40 - Mar 6 by jeera
It is a funny one.
My mum has one of those cars that seems to be some kind of twit magnet.
It's been hit whilst parked up more times than I can remember and it's only a little 107 thing.
People are always friendly in the immediate aftermath of a knock but remain cautious that she doesn't try to do the dirty a bit further down the line.
Find out where her kids go to school or something. Just in case.
I hope you took photos on your phone?
(It can't hurt to get a quote or 2 I suppose if you can find the time).
You can rest assured that I am very much au fait with how to deal with these things. I have photos, reg etc. I can sue if I wish to.
Generally, the best approach in my view is to call teh other party;s insurers and invite them to deal. They much prefer that than having to deal with a claims company, credit hire, lawyer's fees etc.
The presence of those seeking the truth is infinitely to be preferred to the presence of those who think they've found it.
(Sir Terry Pratchett)
I appear to have a jinxed car on 17:42 - Mar 6 by sparks
You can rest assured that I am very much au fait with how to deal with these things. I have photos, reg etc. I can sue if I wish to.
Generally, the best approach in my view is to call teh other party;s insurers and invite them to deal. They much prefer that than having to deal with a claims company, credit hire, lawyer's fees etc.
"You can rest assured that I am very much au fait with how to deal with these things. "
Tough one. I can understand your position around wanting it sorted, I can understand why you feel for her.
Depends on the car and what you want. If it was from new/nearly new in 2016 I’d want it done at a main dealer. She’s wanting to avoid hefty insurance increases, so would probably baulk at main dealer prices anyway. So that’s a potential can of worms. People can also change their stories once they’ve had a chance to speak to family members/friends and think about things.
I’d probably go through insurance as it protects you. But I wouldn’t like it; I hate the insurance environment (they’re parasites) and it would be great if we could resolve things without them.
I appear to have a jinxed car on 17:56 - Mar 6 by Swansea_Blue
Tough one. I can understand your position around wanting it sorted, I can understand why you feel for her.
Depends on the car and what you want. If it was from new/nearly new in 2016 I’d want it done at a main dealer. She’s wanting to avoid hefty insurance increases, so would probably baulk at main dealer prices anyway. So that’s a potential can of worms. People can also change their stories once they’ve had a chance to speak to family members/friends and think about things.
I’d probably go through insurance as it protects you. But I wouldn’t like it; I hate the insurance environment (they’re parasites) and it would be great if we could resolve things without them.
its a late 13 plate with 84k on the clock (vast majority of that is my mileage). Its a nice car and I intend to be driving it for a good few years to come.
I agree its always messy when done informally. Folks start complaining about quotes, or haggling over whether it needs a new bumper, or just some body filler and paint... If asked this morning, I would have said withotu hesitation always do it properly. But knowing how much youngster pay for car insurance these days- I just feel a bit bad. Which is ridiculously English of me, given that i was the one hit, by someone plainly not paying attention on a narrow country lane, where we had already had to stop and squeeze past a lorry 100 yards earlier!
The presence of those seeking the truth is infinitely to be preferred to the presence of those who think they've found it.
(Sir Terry Pratchett)
I appear to have a jinxed car on 17:37 - Mar 6 by Lord_Lucan
I would recommend feigning whiplash.
You don't even need to feign it. Sentencette got clattered into by some distracted chappy on the A1071 and the legal team from her insurance told her to to claim for it.
It did mean going to a a few physio sessions, but that was it.
I appear to have a jinxed car on 18:05 - Mar 6 by GeoffSentence
You don't even need to feign it. Sentencette got clattered into by some distracted chappy on the A1071 and the legal team from her insurance told her to to claim for it.
It did mean going to a a few physio sessions, but that was it.
Not a chance of me doing that.
But I do genuinely have a slightly sore back- so I will see how it is in the morning.
The presence of those seeking the truth is infinitely to be preferred to the presence of those who think they've found it.
(Sir Terry Pratchett)
I had a jinxed car once. I bought a Toyota Celica in the late 90s. It was the first time I’d taken out a loan and spent a good chunk of cash on a nearly new car. In 3 years it suffered: - a kid falling off his bike all along one side when parked - a keying all down the other side - all 3 panels - smashed window break-in, wrecked console where some scrotes tried to nick the stereo in Burnley on an away day (we lost too) - driven into in a car park, smashed rear bumper
I’ve never had anything like it on any other car in over 30 yrs.
As for the jinxed idea, I think there may well be reasons why some colours/conditions/rear light designs make a vehicle more difficult to see - perfectly scientific. Maybe look out for some data and see if there is a claim to be had against the manufacturer there!
If you are fully comp, passing it to your own insurer to deal with takes all hassle and risk out of it for you. They won't consider any option other than dealing with her own insurer. That is unfortunate for her. However, there is always a difference between going into the back of an old banger and leaving a scratch/minor dent and hitting a decent car and causing some damage. It is a life lesson she will learn. She may as well learn it now. Would you feel the same if it had been a middle-aged bloke doing the same thing?
I appear to have a jinxed car on 13:41 - Mar 7 by Nthsuffolkblue
Sorry to hear about your dilemma, Sparks.
As for the jinxed idea, I think there may well be reasons why some colours/conditions/rear light designs make a vehicle more difficult to see - perfectly scientific. Maybe look out for some data and see if there is a claim to be had against the manufacturer there!
If you are fully comp, passing it to your own insurer to deal with takes all hassle and risk out of it for you. They won't consider any option other than dealing with her own insurer. That is unfortunate for her. However, there is always a difference between going into the back of an old banger and leaving a scratch/minor dent and hitting a decent car and causing some damage. It is a life lesson she will learn. She may as well learn it now. Would you feel the same if it had been a middle-aged bloke doing the same thing?
The instinct to try to help her out a bit, comes very much from the fact that she is young and has a tatty little car. She can probably barely afford to insure it already given the rates young people have to pay for car insurance these days. Thats all.
No point using my fully comp- because they do treat it as a claim and take excess ec until they get repaid. Quicker and easier to simply claim against the other party;s insurance. Many insurers these days actually try to pass you on to an accident management company and credit hire to pursue the claim rather than doing it themselves anyway. Which can be the route of all sorts of additional hassle.
The presence of those seeking the truth is infinitely to be preferred to the presence of those who think they've found it.
(Sir Terry Pratchett)
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