Car park bump advice.

[c_dug]

Had a minor prang in the car this evening, just trying to get my thoughts straight.

I reversed out of my bay and a young lad in a BMW reversed out of his, we gingerly touched tips in the middle but being moderns cars they're all crunchy and easily scuffed so even at walking speed the damage looks fairly bad.

I'm pretty certain we're 50-50 on blame, but he says fully my fault. I've already caught him lying about witnesses and called him out on it (although he denies it and insists he still has one).

I'd happily live with the damage to my car because it's a bit of a shitter, so I suggested we both pay for our own damage and move on with life. I'd guess his bimmer is worth triple my Megane so you can imagine he is less keen!

Anyway, young laddy is first year of driving so very keen to avoid insurance if at all possible. Realistically I'm not forking out four figures in cash to fix his car (I suspect even if we agreed 50-50 blame that half the damage is going to be north of £1k). I don't see professional repair of my own car being much cheaper so it's not a cheap prang.

I suspect I'm going to insist on going through insurance if he doesn't want to repair his own car out of his own pocket. I'd also much rather avoid claiming if I can but it feels like the only option.

Just after your thoughts really, maybe I'm missing some obvious option.

For now we've agreed to both get quotes for repair of our own cars and go from there. I've given up discussing fault as we clearly see it differently.

What say you, o wise BCF?

p.s. quick look back at the pictures and it looks like an illegal tint on his windows, I wonder if that would play into my favour with insurance.
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[Polarbear]

My own view is as soon as it isn't a case of sorting your own cars out, go through the insurance. It's just, in my view, a shed load of pain dealing with another human who's convinced hes in the right and doesn't want to go through insurance.

Also, wait for the add ons to appear. Oh, I've got whiplash. Oh, it's damaged the chassis. Oh, you definatly wern't looking. etc. etc.

Just let the insurance sort it out. Hope you got a lot of photos.
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Triumph Trophy Launch Edition

[Mysteriass]

Hold the threat of calling insurance over his head. Don't waiver or deviate, just say you're going to do it. Be confident. You've got the upper hand. He might fold and hope you back down.

Insurance will only put you up a few quid a year. Big deal.

However, they'll tear his heart out, eat it and then shit what's left of it back down his neck.

If he wants to be a cunt. Well, let him learn what that's going to cost him. Little bitch probably thinks he can act all tough guy on you knowing daddy will be footing all the bills for his twatishness. Let's hope he gets spanked by daddy and the insurance company.

Keep your cool. Let him start bawwing. You tried to do the decent thing, he took that as weakness and went on the offensive, so take him for everything he's got the stuck up little bastard.

[c_dug]

[rpsmith79]

[stinkwheel]

If he's being a dick, just stop talking to him. Inform your insurance and leave it at that. Dicks gonna dick and why waste your time and mental space on them.

Up to you if you want to claim for the damage to your own car. If you don't, make it clear that you aren't accepting liability because from experience, they sometimes take you not claiming as an admission of liability (Didn't claim for the £35 of damage to Mrs stinkwheels bike and her insurance admitted liability and paid out over £3k to the owner of the range rover she collided with with no communication or even asking her what happened).
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Freddyfruitba...]

[Polo]

[MCN]

Notify your insurers.

Suck up the Loss of NCD for the next few years on any vehicle you insure. (That's where the butt hurt comes in, if you insure a car and bikes etc.)

Refer all contact from the turd party to your insurers.

Be more careful when parking. Reversing into the bay is all round win win.
Cold engine performance can affect low speed manoeuvring.
Poor visibility leads to prangs.
Smug, I-Told-U-So comments help too.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Easy-X]

If it's a private car park then whether the car is roadworthy or not is neither here nor there.

If you both reversed out at the same time then it's 50/50 unless one of the parties admits liability or there's definitive evidence one of the two parties were controlling their respective vehicle erratically. One party blaming the other party? Sorry, sunshine, insurance doesn't work like that: admitted/proven liability or get bent.

Oh? You have an expensive car? And it'll be very expensive to fix? What a shame, here's a box of tissues. Your choice of car, your choice not to be careful with it. Try and prang a Lamborghini next time.
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[stinkwheel]

[c_dug]

[A100man]

[MCN]

[c_dug]

[P.]

Insurance 100% - tell him you are going down the insurance route because thhe internet said so, best outcome.

[stinkwheel]

[Ste]

Have you checked on askmib.com to see if the car is insured?

[Freddyfruitba...]

[Mysteriass]

[c_dug]

[Polarbear]

[stinkwheel]

Or it's on a PCP plan and he's about the get arse raped for a huge damage waiver.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.