Car Accident, responsibility accepted by the other party, repair arranged, Any catch?

[northernladuk]

Interesting, I know for a fact mone is cheaper because it's in the garage as I checked, parking on the drive made little difference. Obviously depends on where you live and gender. A busy street is unlikely to have a Garage so prehaps they are assuming the insuree is lying and therefore more risky.

Got to be careful stating garages. The number of people that actually park their car in a garage is pretty darn small nowadays so it's an easy out if the insurance want to try to avoid paying out.

[Magpie252]

Getting back on-track

I did see one of those consumer rights television programs by Dominic Littlewood with exactly this situation.

To sum up, punter had his car repaired, but repairs weren’t up to standard, 3rd party insurance company refused any further remediation work.

Punter had no legal recourse with the 3rd party as there was no contract between them, if he’d used his own insurance company to resolve the claim then the situation would have been much easier to resolve.

So my advice would be to use your insurance to safe guard yourself.

[SueEllen]

Interesting, I know for a fact mone is cheaper because it's in the garage as I checked, parking on the drive made little difference. Obviously depends on where you live and gender. A busy street is unlikely to have a Garage so prehaps they are assuming the insuree is lying and therefore more risky.

It's also to do with theft.

Parking on a drive or in a garage means that if someone wants to steal your car they will know which house to break into to get the keys. It has happened to people I know. Luckily they both "stupidly" left their keys downstairs in sight.

[I just need to test it]

Obviously depends on where you live and gender.

Are they still scamming us men. I thought that was now illegal.

Damn all those girl racers.

[ZARDOZ]

It's also to do with theft.

Parking on a drive or in a garage means that if someone wants to steal your car they will know which house to break into to get the keys. It has happened to people I know. Luckily they both "stupidly" left their keys downstairs in sight.

That all sounds a little complicated for the insurance models to factor in butI'd love to know how the scorecards work, someone on here must know. However, Unless you live in a city it's usually pretty obvious which house the car is at.

Got to be careful stating garages. The number of people that actually park their car in a garage is pretty darn small nowadays so it's an easy out if the insurance want to try to avoid paying out.

Agree, I use mine though as it's large and accomodates cars, junk and my garden tractor.

Getting back on-track

To sum up, punter had his car repaired, but repairs weren’t up to standard, 3rd party insurance company refused any further remediation work.


So my advice would be to use your insurance to safe guard yourself.

Good advice, some of the mobile ones are not trained bodyshop technicians and they use no more than an artists airbrush to spray on the paint, they are not long lasting repairs. When selling the car an AA inspection would detect the repair easily as they can measure the thickness of the paint.
Moreover, how do you know the impact hasn't crumpled the chasis in some way, may not be obvious from exterior damage.

[northernladuk]

Interesting thing on minor repairs..

If you have a fairly valuable car some companies (Webuyanycar did!) will bring a little tool to check the thickness of the paint over the entire car.

Someone I know had a minor bump in an M3 and had to have it touched up. Guy from webuy spotted it with his tool as it was much thicker than the original and knocked off a noteable sum off the price offered.

I don't know if getting it done by a dealer will get the proper thickness or any touch up will be spotted but worth bearing in mind when accepting offers for cheap touch-ups.

[northernladyuk]

I don't know if getting it done by a dealer will get the proper thickness or any touch up will be spotted but worth bearing in mind when accepting offers for cheap touch-ups.

Which reminds me. Shouldn't you be back at work?

[lilelvis2000]

Things are just soo much simpler in minor collisions to just do things without insurance companies involved.

Wife's car go whacked in the rear by a motorcycle a couple of months back. Even the cops said don't bother with insurance.

How much damage is there. And surely the other party much think their insurance will rocket up for the next few years.

Anyway..its all a scam. we'd all be better off without it.