Car repair outside of insurance

[DrDonnyBrago]

Hi all,

My in law's neighbour reversed into my car, left a dent on the car, small bit of paint removed and scuffed one of my wheels. It's not bad, I'd hazard maybe £100-150 of work but I'm not a bodywork guy so who knows.

He came round to say it happened and asked my wife to not go through insurance. It happened yesterday, I was around to see it today. he offered me £20. I refused, he offered £40 then complained when I said it is going to be more but I don't know how much. He said he wouldn't pay more than £40. Grumpy old fuck pissed me off so I asked for his insurance details but he didn't know them. I know his name, address, reg and have photos of both cars.

I can't be assed declaring a tiny non fault claim for 5 years on multiple insurance policies, I do want the car fixed and I think he is going to be a pita to deal with whatever happens.

My question is, is there any negative consequence to me if I get a quote to fix it next weekend, then ask the old fuck if he is willing to pay it and if not, then I go through his insurance? I.e. two weeks maybe between incident and notification. I'm not keen to notify my insurance now as at that point may as well put in a claim.


Thoughts and suggestions appreciated,

Donny

[Nobby the Bastard]

No problems at all. If you don't get am immediate response of 'yes' give the details to the insurance company.
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[Ste]

www.askmid.com

Check to see if he does have insurance.

[DrDonnyBrago]

Cheers.

On a related note, anybody know a decent body shop in Southampton?

What do they do for paint damage on wheels?

[Rogerborg]

It's $CURRENT_YEAR, so I'd be tempted to take the 40 quid then rat him out to his insurer anyway.
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[MCN]

Your policy wording probably says any accidents blamed or not blamed.

The reason the ask is to load policies against perceived risk.

Scratch and Dent Idiot came out to me to do some rust spots ans a scuff on a car I had.

£500...

I told him to Eff Off.

Idiot..

Get a dent idiot to come out and quote you happy and then offer it to the neighbour.

If he wont cough then dip him in.

Maybe he is simply unaware how much this shit costs.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[MattEMulsion]

If he only wanted to cough up £20, then a maximum of £40 I reckon you are pissing in the wind with him. Its gonna cost a good chunk more to get that sorted including the wheel. I reckon you are going to have to go via the insurance if you want it repaired at no cost to yourself.
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[Polarbear]

I admit I have been stunned by quotes to have a small dent pulled put of wifeys Megane Cabriolet.

There again, I suppose no one gets out of bed for less than £100 nowadays do they?
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Triumph Trophy Launch Edition

[Pete.]

[Paris2]

I had a similar happen to me last year. Needed bumper/bonnet resprayed and a bracket replaced. Cost in excess of £1k, went through insurance of course.

No recommendations for bodyshops around Southampton. But mine went through AJ Lawrence in Portsmouth (my insurance companies choice, so it may also be yours), they were shit in so so many ways.

I believe most insurance companies let you choose a garage if you have a preference however. Something to remember for next time.
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Current Ride: Daytona 600

[grr666]

My *cough* reversing miscalculation in the Swift, rear quarter panel damage repair, new rear bumper and a rear light
cluster plus associated paintwork. Total - 2.3k plus whatever the other car cost to fix. Car park scuff on front wing a
few months prior, same car- £300 bodyshop bill, paint, filler and polishing.
When I had a previously owned Audi fixed at my own expense, after a much much faster miscalculation involving just me,
a roundabout, a 5 inch kerb and no other vehicle finished up costing me about 6 grand altogether to put right.
Paid mates rates and cash for a lot of that too.

Tl;dr Fixing cars is expensive.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[stinkwheel]

Get it fixed, send him the bill. If he doesn't pay it, take him to court. Why should you contact his insurance? That's his job.

Thing is, I can't see a way this will work without informing your own insurance unless he volunteers to pay for it from his own pocket or you just suck it up and pay for it yourself.
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[AshWebster]

bodyshops that insurances go through just work off massive markups.. When i fucked my bumper up i went to a place and they quoted around £1500 for work that would just be normally a £300 tops. smthin to do with "everyting needs to go back to oem spec and in perfect condition"

apprehensively saving up to get the rusted rear arches sorted on my scoob.. looking £400 a side and thats without respray >.<
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[iooi]

[Nexus Icon]

If you get a decent job of those done for under £275 I want the details of the bodyshop.
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[Nexus Icon]

[angryjonny]

[skatefreak]

Call around a few independent places and send them a pic if you can. It seems a bit hit or miss but I was swiped on a roundabout and had a brand new front wing supplied and sprayed + 1/4 bumper resprayed all in for about £250 (this was about 4-5 yeas ago). You wouldn't know and even I cant see where it meets on the bumper. The company is very popular and taken over 2-3 more units in the last few years.

It seems people must charge whatever they feel like if this guy has a working business model doing such extensive work at such a low price .

[Bikeless]

[MCN]

[stinkwheel]

[mas101]

I've just had a small bump where someone hit my parked car.

I went direct to the other guys insurance. They were very keen to sort it out themselves, went to repairer of my choice and I got a loan car while it was being repaired.

My insurer said that as it was a no fault accident and a complete recovery was made from the other party then there was no impact on my own insurance. As it happens the insurance was due just after the repair was carried out and I didnt tell them until the renewal came through so I know that it didnt make any difference.

[johnsmith222]

If you want it fixed, I would probably go through the insurance, because the guy doesn't sound like the sort of person to pay for the damage.

If I was the old guy, I would gladly pay £100 to £150 to not go through insurance.

Pisses me off people like him moaning about damage they did, and the cost, when they don't realise it'll cost them way more in insurance.

I knocked a wing mirror off a shitty fiesta and paid £100 for it to not go through insurance, and was happy to sort it. I also realise that would be about the right price at a garage, even though there's brand new cheap ebay scrappy specials I could have fitted.