GF's car got hit by a young lass trying to get into a space in front of her that wasn't there. A lorry behind pulled over and said he got a video of it. Young lass that hit her car offered to pay for it there and then (my guess by the state of her 5 year old fiesta is that she has a really high excess to get insurance)

 

She has admitted fault and even wrote a statement accepting liability.

 

I told her she was to call her insurance and let them deal with it. Then got a text later that evening from her bf saying he would pay for it and pay for a hire car and used to work at Arnold clark and it would get done in a day. It needs a bumper repair/respray and the same with the front wing.

 

Told him I wanted it to go through the insurance.

 

Got a text from the young lass this morning saying she spoke to her insurance and it was up to her if she wanted to claim through her insurance or just pay for it. She wants to pay for it.

 

I'm not very overly keen to let her pay. But if I was, it would be a repairer of my choosing, and there would need to be a hire car as we have a 13 week old kid. Would also need to pay for the insurance for the hire car as she cant drive any other cars 3rd party with her insurance (decided not to pay extra £30 a year to do do), I don't want to have to organize all the above and chase her payment. That's what insurance do...

 

What are peoples thoughts. Would you let her pay or just go through the insurance?

 

Thanks.

Use the insurance you pay for on your car and do not get involved in the mine field of people paying to have the work done, 

or saying they will then do not.

Have you actually got the footage? It would be really easy for her to change her mind on liability and then start the arguement. Someone hit my car a few years ago and admitted liability at the schene. When it came down to the claim it went against me because she changed her mind, and basically longstory short my insurance couldn't be bother to argue. Obviously there is more to it than that but just be aware.

Have you actually got the footage? It would be really easy for her to change her mind on liability and then start the arguement. Someone hit my car a few years ago and admitted liability at the schene. When it came down to the claim it went against me because she changed her mind, and basically longstory short my insurance couldn't be bother to argue. Obviously there is more to it than that but just be aware.

 

Not yet, waiting for them to email it to me. The company is only round the corner from me which is handy.

 

Again, she has written a statement saying she is responsible for the damage to the car and all of the texts that say they want to pay and not involve insurance would be accepted at admitting liability?

I'd consider accepting her offer of paying for it herself, take it to a bodyshop of my choice and if I really had to get a cheap hire car (when you hire a car they'll include insurance normally). Saves a accident on file needing to be declared each year. (even if it is non fault)

Surely this is why people have insurance ??!!

Be very wary of folks saying I will up front :(

One less insurance claim on the system is a good thing for everyone, you, herself, myself, us all.

I can understand the frustration but she's obviously in a situation, she's fully accepted liability, they are willing to pay for said repair so contact the garage you wish to repair, have a quote generated and ask them to pay before you drop the car off and also say you want a courtesy car waiting at the bodyshop for you when dropping the car off and for it to include you both to drive.

Insurance claims affect us all someway done the line help the girl out, she's been honest enough and put her hands up and admitted it, maybe they are having a tough time just now and can't afford extra insurance, put yourself in her shoes.

Can see the point if the cars looking right bad, you've maybe suffered genuine injuries and the person has been a ****, but this isn't the case.

G

Id let her pay for it. What's the deal with you wanting her to pay insurance for the hire car? That's included in the hire fee.

Edited 30 July, 201510 yr by mdon

In an ideal world you let the person pay.  All going well, they flash the cash.

 

But the B/F worked for AC and said it could be fixed in a day, and will be expecting that 'cheap repair'. 

& Body Shops quote a Insurance Price, and a 'Cash / VAT' Private price.

 

So its a Case of a Proper BodyShop Job, Guaranteed Work done properly, and then someone paying for it.

 

Plenty of good repairers, and cheap car hirers in Aberdeen, just do not use AC or one of their repairers.

I was clipped by some older laydee who offered to pay.

 

I got a quote and asked her to pay the company directly before the work was done.

She did, car was fixed by a decent firm, insurance non-the-wiser.

 

I spoke to bodyshop beforehand and they were ok with this.

 

Might be an option for you. I certainly wouldn't get work done and THEN look for payment later. You could easily get stiffed with a bill.

If you'll travel a little bit South, Milne and Wilson in Forfar are good guys

That's my fear, chasing payment. Guess I could entertain her idea of paying it. But I doubt she'd agree to having it done by a body shop of my choice.

That's my fear, chasing payment. Guess I could entertain her idea of paying it. But I doubt she'd agree to having it done by a body shop of my choice.

Agree to her paying for it, but insist she pays up front once you provide the quote.

Get a couple of quotes juts to prove you're not taking the **** with prices.

 

Even a bumper respray ain't cheap.

A mate of mine has just had his Audi repaired in similar circumstances. The body shop dealt with the other party direct. All my mate had to do was get a quote, get it agreed then drop the car off.

I'm guessing a credit card would be used for security.

Edited 30 July, 201510 yr by Sippo

I'd be more than happy for her to pay. So long as it's repaired to a high standard by a body shop of your choice and she pays prior to the work being carried out then I don't see the problem. Seems abit harsh to make her go through her insurance when you hold all the evidence of her liability including her own written admission.

Some lass scuffed my motor, (she had just passed test) I'm still young too so a massive excess for us both. Offered £250 cash next day for repairs. Turns out it came out with my DAS6. No issues and both parties happy

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What's with all this "bodyshop of your choice" - I might be wrong but usually you have to go through your insurance company approved bodyshops, sometimes they will allow you to use others. Why because the insurers have pre agreed labour rates etc.

 

I'd be happy for her to pay and use a reputable bodyshop (well known, accident repair centre or something). Let them liaise direct with the her over payment etc, you just need to turn up and leave the car. They'll probably sort a courtesy car for you too.

What's with all this "bodyshop of your choice" - I might be wrong but usually you have to go through your insurance company approved bodyshops, sometimes they will allow you to use others. Why because the insurers have pre agreed labour rates etc.

They try to convince you that you have to (to save them money), but its rubbish. You're free to take it anywhere as long as its a VAT-registered business (as far as I know). Edit: Though you may miss out on additional perks such as courtesy car (via your insurer, the repair place might give you one anyway).

 

If they're happy to pay for the repair and it doesn't look like a job that will be outside of what they can afford, then your only risk is if they decide not to and you go to insurance and they refuse as you didn't notify them within 24/48 hours or whatever your terms are.

Replied that if she was determined to pay for it herself, it would go to a bodyshop of my choice, the bill would be paid for in full and upfront and that a hire car would be delivered to our house.

They replied that it wouldn't be paid for up front and that they wanted the details of the shop I'd chosen so that they could ensure it was only the front bumper that was getting resprayed (even though they never looked at the car after they pulled over or took photos...) And was adamant it was a days work.

So have contacted her/our insurance and let them deal with it.

Hopefully their excess is fairly higher that the actual cost of the repair.

Hopefully their excess is fairly higher that the actual cost of the repair.

 

They dont pay any excess on TP claims, only if they claim for damage to their own car (if they have fully comp cover)

OP as a result your insurance premium may increase too regardless of fault.

Would of rather gone the cash route. Bodyshop of my choice and a written quote. Plus no claim on file regardless of fault as this generally still puts up your premium. In the worse case scenario and she wouldnt go with the bodyshop of your choice, then insurance it is...

Edited 5 August, 201510 yr by gazpot0111645

It's not unreasonable for them to pay up front for the work. Garage gives a quote, they are happy with the quote and pay up and then you can book the car in the for the work.

 

I've been in a similar situation before and the guy just popped along to the garage after I'd had the quote, got a copy of the quote for himself to ensure he was happy the work being done was just repair the damage and then he paid in full.

 

Phil

Replied that if she was determined to pay for it herself, it would go to a bodyshop of my choice, the bill would be paid for in full and upfront and that a hire car would be delivered to our house.

They replied that it wouldn't be paid for up front and that they wanted the details of the shop I'd chosen so that they could ensure it was only the front bumper that was getting resprayed (even though they never looked at the car after they pulled over or took photos...) And was adamant it was a days work.

So have contacted her/our insurance and let them deal with it.

Hopefully their excess is fairly higher that the actual cost of the repair.

To be fair what they asked wasn't unreasonable. I'd ask for garage details, what the repair was and pay the garage direct if I were lying for it.

Anyhow, it's done now and hopefully it won't be long before your car is repaired. When I had a no fault claim my premium went up by about £100 for three years.