Bumped someone's car, how do I not get screwed?

[Wonko The Sane]

Couple of weeks ago, while someone attempted to squeeze past while I reverse parked I scraped someone's parked car.

She was polite about it and we swapped phone numbers and agreed she'd get a quote from a body shop and let me know.

She's got in touch cost is £150, I have a photo of the damage to her car but stupidly it doesn't show her number plate.

The options she's given me are to bank transfer the money, paypal it or pay the bodyshop directly.

I don't think she's going to try and screw me over but I want to cover my back - how do I cover myself against an insurance claim later?
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[Ste]

[bugeye_bob]

If you think the cost is high ask her if she would mind getting a couple of quotes,
but for £150 you dont get much from a bodyshop, so is it worth the hassle for 150 quid ?

[Ste]

[J.M.]

Pay the body shop directly and ensure you get an invoice that shows her registration, date, and amount paid?

Also, judge of character. I paid for body work on somebody's car in cash, and he wrote me out a signed piece of paper stating how much he received, what the repaired damage was, and the date. Knew the guy was genuine when he refused to accept an extra £20 as a thank-you when I handed over the cash.

Does she have any photos of the incident, including your registration? If not, surely you could escape any insurance claim by just saying "prove it", as CCTV I doubt would still exist after a few weeks.
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2004 R1 & 2018 XSR900

[Rogerborg]

[stinkwheel]

As above. Pay the paintshop, get an invoice detailing the repair, what car it was to and payment receipt. Box of chocs/bottle of wine to the owner for the inconvenience.

If you get a spurious claim, you tell your insurance it's already been fixed and paid for and prove it.

You're lucky. I dinged my neighbours car and it cost me £450 to fix (fancy paint and hit a corner meaning they had to do three panels). Ironically, when I called up to pay, he'd dinged another bit on the way into the spray shop so I had a slightly odd discussion with the body shop guy about which bit's I was paying for. His share of the bill came to more than mine!
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[Wonko The Sane]

Was leaning towards paypal as more convenient for me but also a record of the payment having happened.

She has a photo of my quarter bumper but don't know if it includes my plate.

I had figured bodyshop receipt with numberplate written on would be quite solid but I don't know where abouts the bodyshop may be.
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[waffles]

[hellkat]

[Irn-Bru]

I was in the lady's position a few months back and the bloke who hit my car was too demanding and suspicious that'd scam him so I ended up saying "doesn't matter, let's go through insurance". Turns out he was covering up the fact it was a company car, shot himself in the foot really.
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[DrSnoosnoo]

Pay the body shop. Then bung her a bottle of wine for the inconvenience of having the car away for a couple of days. Keep invoice filed away safe.
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[Shaft]

[Rogerborg]

Thinking about it, what I would have done (hindsight being 20:20), and would probably do in that situation in the future: accept full responsibility and write and sign an admission of liability on the spot documenting what happened, who was involved, and the damage caused. Get the injured party to sign it too.

Because why?

Because you don't want it to go through insurance, and the best way to avoid that is to show that the injured party can trust you to not try and wriggle out of it.

Because having shown goodwill by putting things in writing first, you can then more easily ask for a written "full and final settlement" confirmation in return to bring it to a close.

And if it does go sour, what you've actually got is a signed record that you gently scraped a sole occupant car with no possibility of hidden damage or personal injury to the driver and their four cousins who later remember that they were in it when you smashed into it at 30mph.

Problem?
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[Wonko The Sane]

I've asked her where the bodyshop is and she's given me the post code, it's only 30 mins from my house so not hard to get to in person to pay and get invoice.

I'm guessing they'll want paying while working on it before they'll let her collect the car so I've asked which garage (there's two for the postcode) and when they'd want paying
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[Vincent]

I'm always very relieved when someone agrees to let me settle out of court and never even think about them trying to rip me off. I can't see it happening personally...you know where she lives for a start. Just a receipt off her saying something like ....paid for damage caused to car, rear wing, on...(date)..blah, blah, blah should be enough.
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Space Is Deep

[Wonko The Sane]

[Vincent]

You have her car reg and phone number though...can't be too hard to find out where she lives.
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Space Is Deep

[Jewlio Rides Again LLB]

Should have drove off.

Jokes
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