scotty_82 Posted July 4, 2013 Report Share Posted July 4, 2013 I love doing online damage quotes without ever even seeing the car !!!!! Quote Link to comment Share on other sites More sharing options...
Karl_Mac_ Posted July 4, 2013 Report Share Posted July 4, 2013 What? Apart from the fact that the premiums will go up?!If the guy seems legit then forward him the bill. I'd use insurance as a last resort.Not always. I had a non fault claim last year and didn't effect my premiums one bit. Changing your wheels is more likely to affect your premium. Say you get the car repair, and the guy ghosts on you? Who foots the bill? Or it goes to his mate for repair who does a shite job? Say the pain in your neck gets worse, is he going to pay for time of work?You pay your insurance for a reason. Theres no valid reason not to go through insurance, other than to save his NCB (if any) 1 Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 4, 2013 Author Report Share Posted July 4, 2013 I've looked in the spare wheel bit under the boot carpet and the bit between the sparewheel and the back bumper has bowed in, I'm guessing that is not normal? Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 4, 2013 Author Report Share Posted July 4, 2013 Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 4, 2013 Author Report Share Posted July 4, 2013 Here's some pictures, like I said the damage doesn't seem much, the bumper looks like its been pushed in from the impact and the sides of the bumper has bowed out. I added a picture of the passenger light as the gap between the light and the boot lid seem greater on this side then the drivers. As you can see in the first 2 pictures the spare wheel well has bowed, I'm guessing a new back bumper and bumper support? Quote Link to comment Share on other sites More sharing options...
Rich Posted July 4, 2013 Report Share Posted July 4, 2013 I'd just tell him it was £450, give him a list of parts replaced and do absolutely nothing. Quote Link to comment Share on other sites More sharing options...
Karl_Mac_ Posted July 4, 2013 Report Share Posted July 4, 2013 You will never be able to sell that car. The damage is more serious than cosmetic. You'll need to have the car on a jig to straighten the boot floor and rear suspension legs straightened. Like i said, get advice from your insurance company. Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 4, 2013 Author Report Share Posted July 4, 2013 So I'm guessing the bowing in the spare wheel well is not normal then? Quote Link to comment Share on other sites More sharing options...
Adam R4 Posted July 4, 2013 Report Share Posted July 4, 2013 (edited) I had less of a bump a year or so ago, thought my car would be destroyed from it and there's was only scratches that I buffed out, although I did take the bumper off and the support bar was bent inwards, this was the only damage so I'm guessing yours will be well bent too Edit: just seen the photos you uploaded, my bumper support is the same shape as your spare wheel well and as others have said that more than cosmetic, luckily mines wasn't as hard as this. Edited July 4, 2013 by Adam R4 Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 4, 2013 Author Report Share Posted July 4, 2013 So it's pretty clear it's more than cosmetic? I'll whip the rear bumper off over the weekend and take some photos. The passenger rear light is loose even tho the bolt holding it to the car is tight, and the gap between the light and the boot is worrying me, along with the bowing of the spare wheel well. Quote Link to comment Share on other sites More sharing options...
Sammy Lupo Posted July 4, 2013 Report Share Posted July 4, 2013 (edited) I wouldnt go through insurance myself as it doesnt seem that bad, but you dont know how bad it is till you properly look, does it still drive straight, knocks/bangs? Edited July 4, 2013 by Sammy Lupo Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 4, 2013 Author Report Share Posted July 4, 2013 It drives ok, haven't really noticed a change, maybe an odd sound or two from the back, but will get it on ramp at weekend Quote Link to comment Share on other sites More sharing options...
danoid Posted July 4, 2013 Report Share Posted July 4, 2013 To be honest I can't see anything, was expecting your bumper to be cracked or so, but cannot see any damage tbh lol. Okay the inside bit where your wheel is slightly dented in, but who would ever notice.Take the money and leave as is lol Quote Link to comment Share on other sites More sharing options...
Fretwell Posted July 4, 2013 Report Share Posted July 4, 2013 Despite having to brake hard in almost all cases it's the drivers fault if they hit you from behind as they didn't not keep enough distance from you , hence the reason why he drove into the back of you ; so it's Pritty much all his fault Quote Link to comment Share on other sites More sharing options...
GTIChris Posted July 4, 2013 Report Share Posted July 4, 2013 As said you may have trouble selling it on if you leave it as is.Definitely needs work and could well be written off if you went through the insurance so may be worth taking the cash and getting it fixed.Get it looked at by a professional and get a definitive answer ASAP. Quote Link to comment Share on other sites More sharing options...
Skezza Posted July 5, 2013 Report Share Posted July 5, 2013 I would be interested to know why he want's to keep the insurance company out of it.Did he show you his documents? Has he been freely available on the number he gave you?I would still say, take it to a body shop and get a quote; after all it him who's paying. You will also need a car whilst yours is off the road getting repaired. Even if it goes to his insurer, you can still claim "cash" based on the agreed quote and fix it yourself.RRay, the reason he wants the insurance company away is because he will lose his no claims. I know people who have successfully done it this way and as such were not penalized on their no claims.HOWEVER, I personally wouldn't recommend it. He could procrastinate, delay, delay, delay, "just waiting to be paid" etc or even lie to you and cancel his insurance at the end of his contract which could be up for renewal in a month, then you would have no legal basis to claim. If it was me, I would take your car into the body shop and ask for a quote today if possible, forward him the bill, and give him a deadline of perhaps 48-72 hours. You can't really afford to **** about in these situations. That damage is significant enough that if I ever looked at buying your car, I would say no chance. It would be quite blatantly obvious you've been in a rear ender. You may well have to call the insurance company... and unfortunately, they may well write off your car. HOWEVER, they will write it off Cat D and sell you the salvage for pennies.@Pete91There is no reason to disbelieve the man is legit, and as such I think it would be unfair to not give him a chance. As you know I had an accident in my Green machine in February. The driver lied to me on the side of the road and said he would get a quote for the damage which was probably a few £100 at most, less than an hour later, I had a phone call from my insurer. It's obviously hurt my premiums.However, you need to be vigilant. In the same way the driver involved in my accident lied to me, this guy could lie to you. Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 5, 2013 Author Report Share Posted July 5, 2013 Thanks for all of your advice guys, I really do appreciate it. I will take the car to a garage over the weekend and get them to whip the back bumper off and put it on the ramp to inspect the damage and get a quote to repair, I'll forward the quote to the driver and say that he has 48-72hours to pay otherwise I will inform the insurance company.Thanks again Quote Link to comment Share on other sites More sharing options...
Silver! Posted July 5, 2013 Report Share Posted July 5, 2013 Skezza, I understand that is the reason in most cases, but he may be hiding the fact that he is uninsured for the vehicle, has a driving bad record...You're spot on there tintin. Get it done. Quote Link to comment Share on other sites More sharing options...
Skezza Posted July 5, 2013 Report Share Posted July 5, 2013 (edited) Skezza, I understand that is the reason in most cases, but he may be hiding the fact that he is uninsured for the vehicle, has a driving bad record...You're spot on there tintin. Get it done.If he is uninsured, then that is a whole other problem, a criminal issue, and tintin will need to inform the police as soon as it becomes apparent. If you are concerned that he is uninsured, you can phone him up and ask for his insurance details. He should be willing to give them. Contrary to popular belief, he is NOT legally obliged to give you his insurance details He is expected by law, most importantly sect. 170 of the Road Traffic Act to disclose his full name and his address.In my honest opinion, I would have thought an uninsured driver was more likely to bend over backwards to pay. My opinion hasn't changed. Get a repair quote immediately by a bodywork specialist (not your mate) and then send him a quote with a deadline. If you give him a deadline, he will be inclined to pay now.Did you take photos of the damage to his car? Including his number plate etc? Edited July 5, 2013 by Skezza Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 5, 2013 Author Report Share Posted July 5, 2013 I didn't get a photos of his car but took down the reg, make and model, I have his address, work address, mobile number and the insurance company he is with Quote Link to comment Share on other sites More sharing options...
danoid Posted July 5, 2013 Report Share Posted July 5, 2013 Regarding people saying "you wont be able to sell that on" Am I the only one who doesn't remove the spare wheel and purposely look for any impounds to the rear? If so I should get on checking Quote Link to comment Share on other sites More sharing options...
Skezza Posted July 6, 2013 Report Share Posted July 6, 2013 Danoid, you wouldn't need to remove it. It would be obvious. Quote Link to comment Share on other sites More sharing options...
tintin360 Posted July 8, 2013 Author Report Share Posted July 8, 2013 Just a quick update, took the car to a body shop and was quoted £701.49 to repair the car, just waiting for the quote to be posted to me so I can forward it on to the driver.Have already told him the cost, and he is still willing to pay, I have told him if he is paying for it, payment must be made within 3 days otherwise I will inform the insurance company Thanks for all your advice, I will keep you posted.Cheers Steve Quote Link to comment Share on other sites More sharing options...
danoid Posted July 9, 2013 Report Share Posted July 9, 2013 £701! This guy must really love his no claims, mines protected but don't think it'll go up that much lol.But tbh, be thankful you have someone who is up for it, as the insurance company would write that off at £701.A friend of mine had his OWN insurance company write my mates car off for a non fault accident, I really do hate insurance companies.Best of luck Quote Link to comment Share on other sites More sharing options...
Skezza Posted July 9, 2013 Report Share Posted July 9, 2013 Agree with danoid there was less than 500 pounds damage to my green machine and they wrote it off. Quote Link to comment Share on other sites More sharing options...
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