Not the best way to start the day

[NickFitz]

Sounds to me like the reversing car drove into the passing car who was moving around them, expecting them to stop, when they didn't.

It only sounds like that if you wilfully misinterpret everything said by the OP so as to avoid having to admit you were mistaken in your assessment.

[BrilloPad]

I was once driving along a road and someone pulled out in front of me. I slammed on the anchors but could still not avoid hitting them. They claimed I was speeding (I was actually doing 30mph in a 40mph zone as ex-mrsbp1 was very unwell). Insurance company did not care what happened. I had the right of way - that was all that counted.

It cost the other driver's insurance £3k in car repairs(amazing for a crash at <<10mph) and £2k in whiplash my the mrs.

[doodab]

Well, she has just emailed me a quote from her local garage, over £750 to fix what is basically a scratched wheelarch so I think that can go through the insurance.

Now I'm a bit naive here as I've never needed to claim on car insurance before. Now how will this pan out with fully comp insurance on a low value car? Are they going to look at the scratch on my bumper that I wouldn't actually bother to fix, get a silly quote for a new bumper, write the car off, end the policy and I'll need to reinsure? Or will they just pay to fix her car and leave me the **** alone?

[MarillionFan]

Well, she has just emailed me a quote from her local garage, over £750 to fix what is basically a scratched wheelarch so I think that can go through the insurance.

Now I'm a bit naive here as I've never needed to claim on car insurance before. Now how will this pan out with fully comp insurance on a low value car? Are they going to look at the scratch on my bumper that I wouldn't actually bother to fix, get a silly quote for a new bumper, write the car off, end the policy and I'll need to reinsure? Or will they just pay to fix her car and leave me the **** alone?

Have you seen those shows about Bailiffs? That's what happens if you claim.

[TheCyclingProgrammer]

Well, she has just emailed me a quote from her local garage, over £750 to fix what is basically a scratched wheelarch so I think that can go through the insurance.

Now I'm a bit naive here as I've never needed to claim on car insurance before. Now how will this pan out with fully comp insurance on a low value car? Are they going to look at the scratch on my bumper that I wouldn't actually bother to fix, get a silly quote for a new bumper, write the car off, end the policy and I'll need to reinsure? Or will they just pay to fix her car and leave me the **** alone?

I'm not sure you need to tell them that you have any damage if you're not interested in claiming on it. Give her your insurance details, ring your insurer up to say you had a collision and that the other driver will be claiming against you and leave it at that.

[doodab]

I'm not sure you need to tell them that you have any damage if you're not interested in claiming on it. Give her your insurance details, ring your insurer up to say you had a collision and that the other driver will be claiming against you and leave it at that.

I've rung them, told them about the speeding points (I only got the license back a few weeks ago so although the actual date of the offence predates my renewal by a couple of days I didn't know I'd been caught speeding when I renewed, so no problems there), told them about the accident and given them the woman's details. I've also admitted liability and told them I don't wish to claim for damage on my vehicle so touch wood that's the last I'll hear of it until renewal time next year when I'll no doubt get gouged to ****.

[MaryPoppins]

[QUOTE=doodab;1931945]I've rung them, told them about the speeding points [QUOTE]

Do they actually check this?

[doodab]

I've rung them, told them about the speeding points

Do they actually check this?

No idea but the DVLA have a driver check service they could use so they might, and I see no point in not telling them seeing as I've been meaning to do it for a couple of weeks anyway. I am basically honest at heart. No doubt this will get me ****ed over at some point.

[MaryPoppins]

[QUOTE=doodab;1931953][QUOTE=MaryPoppins;1931951]

I've rung them, told them about the speeding points

No idea but the DVLA have a driver check service they could use so they might, and I see no point in not telling them seeing as I've been meaning to do it for a couple of weeks anyway. I am basically honest at heart. No doubt this will get me ****ed over at some point.

Hhm. I've never admitted to points, and I've made a fair few claims. I used to crash my car[s] quite often.

[doodab]

Hhm. I've never admitted to points, and I've made a fair few claims. I used to crash my car[s] quite often.

I just remembered I did actually make a claim about 12 years ago, I'd actually forgotten about that. All I remember is taking my car to the garage to get it fixed and being astonished at the size of the bill they were picking up for the other guy who did the full whiplash claim bollocks.