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Accident claim or not

Discussion in 'Insurance' started by barnaclebill15, Jul 7, 2019.

  1. barnaclebill15

    barnaclebill15 Senior Member

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    Joined:
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    Location:
    newcastle upon tyne
    Your Mercedes:
    clk220cdi/2006/diesel
    Today i had a small bump in a car park both cars reversing from opposite sides and turned into each other at very low speed. rear bumper to rear bumper. Other car was an Audi S3, myself and other drivers partner looked at both cars, I can see no damage to my bumper the other guy said he had a paint flake off, after exchanging details I asked what he wanted to do, to me there was nothing to report but he said he would get a quote and call me before his partner called her insurance.
    As I drove home I thought does he want me to pay for some repair without involving insurance? to me it's nothing to repair, at worst a polish over. If they want to involve the insurance companies it will be 50 50 and we will both get an insurance hike next renewal.
    Not sure how to proceed now as my photo of their car does not show the full reg which I thought it had or his partners name, only their insurance company and his mobile number
     
  2. Tony Dyson

    Tony Dyson Senior Member

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    Your Mercedes:
    2014 C 220 CDI W204 OM 651
    Insurance companies love this type of accident for the reason's you've already identified, if you didn't agree joint and separate liability at the scene, I would send my insurance Co photo's and a statement to that effect, that is of joint liability, for record purposes, then if the criminals attempt to claim against you, at least your version will already be on record.
     
  3. mioba

    mioba Senior Member

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    Location:
    Nottingham
    Your Mercedes:
    W124/1994/E200, W220/2004/S320CDI, W205/2016/C200, W447/2017/3.0 CDI
    you would both get a claim hike next year and this will be classed as a claim. other party seems to be lacking sense if he goes down insurance route. If anything a smart repair would be best if he is so concerened and perhaps you share that cost!
     
  4. fabes

    fabes Senior Member

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    Location:
    Southampton
    Your Mercedes:
    E 350CGI Coupe
    As above.
    No injury and a smart repair, don't bother the insurance company.

    But keep the photos and any correspondence so that if they come back in two years time, you (and your insurers) would then have something.
     
  5. umblecumbuz

    umblecumbuz Senior Member

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    Location:
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    Your Mercedes:
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    If you were both at fault (you and he were both reversing at the same time) then when he contacts you tell him this, and state that you will deal with your own damage and he can deal with his.
     
    Bogus and peterws1957 like this.
  6. flowrider99

    flowrider99 Senior Member

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    Your Mercedes:
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    As you are both equally liable the only fair way would be to find out the cost of repair for both cars and split it between you.
     
  7. Rappey69

    Rappey69 Senior Member

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    Location:
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    Your Mercedes:
    c220 w204 amg sport
    Shame you both didn't agree to both walk away and sort your own damage avoiding the insurance companys.
    Body shops are reasonable when it comes to non insurance cash jobs.. I was quoted £400 for a new wing and repaint front bumper but 3rd party decided that was to much and wanted to go through insurance.. then it cost £4800 in total !!!!
    Everyone is on the take in the insurance scheme, the body shops charge a small fortune for items not even used or needed and everyone else also wants a cut of the pie.. But the worst part is the following 6 years (to date) of constant phone calls, up to 3 a day just after the accident trying to make you claim for compensation.
     
  8. bembo449

    bembo449 Senior Member

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    Your Mercedes:
    w221 320cdi , r170 23k , range rover vogue , insignia vxr , shitron dispatch
    it will be considered knock for knock I reckon so your insurance would sort yours etc , wasnt there some change in the law about liability when reversing ?? poss something to do with driveway exits ??
     
  9. peterws1957

    peterws1957 Senior Member

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    This definitely.
     

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