Car park bump

[BlueDan]

Someone bumped into my Cinquecento while it was parked up - I'll get a picture up tomorrow if anyone wants to see it. This was a private car park (University) - you scan your student or staff card to raise the barrier.

The damage seems to be limited to the nearside door outer skin - the wing, rear quarter and sill look fine, the lock and the window are ok (both still go up and down), door opens and closes, drove back home fine.

Anyway, questions.

They were good enough to leave a number. Does this count as them accepting liability?

Does insurance cover you when not on public roads or a car park with public access, in fact would the other party even be obliged to hand over their insurance details?

Is it illegal to settle ourselves, without informing the insurance, if they suggest/offer? Insurance companies say to contact them if there is an incident but I always thought that was anything serious ie a rta or other extensive damage.

If it goes to the insurance what are the chances of them writing my car off due to the potential cost of repair? I said it's worth £600 when I applied for the insurance, but they probably use one of the guides so 10p or so to them.

If it is written off and I buy it back does it make getting insurance in the future more awkward, ie having to ring around instead of being able to buy it online or use comparison sites? And if they offer to sell it back are they allowed to charge any more than they paid out?

 

[BlueDan]

26 views and no reply, ok I'll admit the original post was a bit long...

Does anyone know about the insurance covering us on private property and the legality of settling outside the knowledge of either insurance company, at least?

Ta very.

 

[Kier]

I'm fairly sure that the insurance will cover them in the car park, as I believe it will be classed as a road as they where going from A to B, I don't know too much about it though.

The others I'm not sure about, sure someone will come and help though, don't ask your insurance company incase you don't need to, they will add it on!

 

[BlueDan]

Yeah, I was thinking it's just going to be paid for out of the excesses anyway and it'll effect the other driver's ncb and push up both premiums too (unless they aren't insured, in which case I get hit harder). Plus the hassle with getting it repaired by a garage or worse, it being written off.

Just wanted to check on the legalities, some googling suggests it's legal but advised against, in case the other party comes back with a claim for whiplash or other, but they hit my parked car without me in it and at low speed.

 

[clock34]

take the inner door card off with the window off and push... looks a simple fix imo. had something similar in the past and it pushed out easily on a cold day.

 

[Ziggy122]

if it pops out and a little polish and its okay i'd avoid the insurance, as they'd probably not bother repairing the car to be honest

Once they get so old - they just scrap em

Ziggy

 

[Most Easterly Pandas]

Its a car park with public access so insurance would have been needed to drive on it, and insurance will payout.

I'd try and get other person to pay out to get it repaired privatly tbh.

If you do go through insurance, claim off of their company directly, not through your own. As a 3rd party you'l have more clout, such as being able to keep the car without having to buy it back (they have no right to salvage ).

 

[BlueDan]

If you do go through insurance, claim off of their company directly, not through your own. As a 3rd party you'l have more clout, such as being able to keep the car without having to buy it back (they have no right to salvage ).

Ahh I didn't know that, something to bear in mind in the future (not this, but if something else happens).

Rang the other party today, said he was sorry and has offered to pay to have it taken into a bodyshop, tbh I'm not sure he had looked into the costs at this point

I were going to pop it back out for now and ask for £100 for a newOld door from a scrapped motor once I find an Imola with a good passenger door (around when I find those hens teeth and rocking horse poo I've been after), I'm having a word with him in person tomorrow anyway so we'll see.

 

[BlueDan]

Washed and polished the door, most of the marks in the paint have come out or have been filled in.

Bit easier to see the dents in the reflections:



This is accidentally becoming a bodywork care thread