Not good :-( but lucky the person contacted our company to let me know. Spoken to the person and they advised me they knew a good garage  but I said I wanted to have it done by my Skoda dealer and I doubt it would be cheap.

 

So this the first time I've ever been involved with Insurance because I doubt they will want to pay main dealer prices.. I want it doing by my Dealer so where do I go from here ?

 

Gutted ....

The dealer will probably just farm the job out as very few actually do their own repairs.

Fortunately it is just cosmetic but either way I would only want the best painter doing it,

Gizmo is right, they just outsource it. My rule of thumb is if the person was honest & owned up, then I'll do my best for them regarding price, but making sure the panel beaters have a good reputation. If they weren't honest & got caught then I'd insist on a main dealer as the car is under warranty.

Edited 9 December, 201510 yr by Rebelred

I agree. Check out their 'garage' and if it has a good rep then go with it or find one yourself who can do a good job. Get the money from the other party as soon as you have the quote. (like NOW and deffo before the work is done!)

 

Any contact with insurers is tiresome and can be unexpectedly resolved so always best avoided if possible IMO. However it may be on the wildside not to report it to them. Happens a lot but they may be miffed if it comes to light later (material facts and all that). Most take that risk however especially for low cost incidents. A lot of us have high excess levels so would have to pay £300-£500 to the insurer anyway.

 

If you report it you need to make sure that it does actually get resolved as a 'no blame' incident otherwise it will appear on your record and may affect premiums going forward. I would suggest getting written proof from your insurers of that if you do report it.

 

If you have protected no claims also check your insurance conditions because some insurers will count any incident in your 'no of accidents' calculation.

 

I have had 2 'no blame' supermarket parking incidents in the last ten years and both of them were on recently purchased vehicles. Must be the shiny paintwork

 

hth

Spoken to the husband who seems fine. Had a quote from the dealer and its £200 more or less. I had my Scout bumper done by this guy wand was very pleased with the work so that's ok.

So far so good. Husband happy to pay for repair so good again.

Just got home however and spotted a couple of things. Pics included. The panel gap is not right on the damaged side. It's not flush where the bumper has been pushed. Looks like a clip maybe broken underneath.

Mailed to dealer to see if this will make a difference to the quote. Will they have to remove the bumper to get the gap sorted adding extra the the quote ?

If it's not 100% it will drive me nuts....

I would settle via insurance on the basis that if the plastic paint discolours in 6 months time or for any reason not happy with the repair you can hold the insurance company to sorting it.

 

But...  you are at the cheap price v no claims issue / claim history impact.

I'm happy to go outside insurance this time. Dealer says quote not effected so £200. Main dealer fix do if it discolours in 6 months I would hope they would fix it !

Gutted for you Nick, hope you get it sorted to your satisfaction.

Argh! Nightmare, best of luck getting it sorted. 

That is really gutting for you Nick - hope the repair is good for you.

Insurance job. If anything else is found and you need to make a claim in the future they could just walk away. If the repairs are not done in an approved way then bang goes your warranty.

Let your insurers know, and let them handle it. It's the safest way.

A 'minor' cosmetic bump on an old Mk3 Cavalier I used to own turned out to mask hidden damage to the bumper carrier. A £50 touch up turned into a £700 repair in about 1996.

Edited 9 December, 201510 yr by FelisBengalensis

I agree with others, go down the insurance route in case something is not right later on, or the repair is not to your complete satisfaction.

 

It is your car, you choose where it gets repaired regardless of what the insurance company says. Have a quick read of this: http://www.nonfaultcaraccidents.co.uk/downloads/know_your_rights.pdf

 

It will be fixed before you know it and you'll forget it ever happened.

Thanks guys ! I get what your saying about insurance but I'm having it done at the main dealer in Sheffield so I cant see how that would have any warranty ramifications ?? They seemed to think it was just cosmetic.

Edited 9 December, 201510 yr by Nick_H

OK .... Insurance it is. I agree that their could be hidden damage. I've sent an email to the ladies husband asking for details. I'll inform my insurance tonight.

You don't need to go through the insurance. The main dealer will give you at least a 12 month warranty with the work they have done and if it is not right when you pick it up. You refuse to accept it and they have to put it right.

 

The insurance company will never know you have had a bump unless it has been reported to the police and it is recorded by them. Then the insurance company will have to pay for a copy of the report from the police before they get anything and these are at least £100.

 

The insurance company are not going do that just out of interest!

 

The bumper will be out of line probably because the bracket which holds it has been bent slightly or the plastic clip/frame has been damaged.

Lol !!! AHHH !!! Nightmare  !! :-D

You don't need to go through the insurance. The main dealer will give you at least a 12 month warranty with the work they have done and if it is not right when you pick it up. You refuse to accept it and they have to put it right.

 

The insurance company will never know you have had a bump unless it has been reported to the police and it is recorded by them. Then the insurance company will have to pay for a copy of the report from the police before they get anything and these are at least £100.

 

The insurance company are not going do that just out of interest!

 

The bumper will be out of line probably because the bracket which holds it has been bent slightly or the plastic clip/frame has been damaged.

I agree

Just to add. Damage only road traffic collisions are not reportable to the police unless there are other offences.

Just exchange details at the roadside and you have complied with road traffic act.

I was told about this when I got mine, I think all new skodas get it. You deal with someone at skoda, they repair it (it looks as if your reflector needs replacing too) and they deal with the insurance company for you. Might be worth a look http://www.skoda.co.uk/finance/skoda-insurance/skoda-ensurance

OK Guys.... Thanks for all the advice.... I'll have a ponder tonight and decided what I'm going to do :-)

Sorry to hear that, it's a horrible feeling when it happens. I had a similar event a few months back which happened in a car park. I arranged for the person who hit me to be invoiced directly by the main dealer and pay them directly. They were more than happy to do this as it avoided going through the insurance company and if they reneged then there was the threat of having the insurance company involved . Once the dealer and the other person agreed this arrangement there was no further risk to me and all the work was fully guaranteed and to Skoda standards and no warranty issues. As it happens there was some hidden damage (bumper brackets and parking sensor) that wasn't immediately apparent but this was picked up once the dealer examined the car and was included in the work. I would always be concerned about the parking sensors and it would be worthwhile to have these carefully checked over as they can be temperamental.

Having said all that I would always be leaning towards the insurance route if you are in any way uncomfortable dealing directly with somebody. I a new car in particular there are so many hidden areas that can be damaged by the slightest bump. The latest radar assisted systems would be a good example and the sensors as I mentioned above.

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Edited 9 December, 201510 yr by Superb170

If you've got blindspot detection, then there are radars fitted somewhere under the bumper in the rear corners. I'd want to be sure they aren't damaged!

Also if things are out of line, there's a good chance some clips etc are broken, potentially new bumper, you never know.

 

Bumpers are so flexible, that what appears to be a minor scratch could have actually seen the bumper pushed in a fair way and then it popped out again.

The other issue with going throguh the insurance is that you'll have to declare a non fault accident, even though your NCD will not be affected, your premium will be loaded for the next 5 years as you are seen as an increased risk.

Nick - so sorry to hear about this. Hope it gets sorted.