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Author Subject: insurance claim... or not?
alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

Status: Offline
Post #1
Some twat just reversed into me at traffic lights and cracked my front bumper. They admitted liability by asking if we could deal with this outside of insurance companies and have asked me to get a quote for the repairs. My fear is that my car could be written off if the cost of a new bumper plus paint plus labour etc ends up being hundreds of pounds. What does everyone think?....get the quote and go back to her or just hand all the details to my insurance company?

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 29th Jul 2014 at 16:23
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welshpug!

Capt Pedantic

Location: Bigend, Wales.

Registered: 27 Mar 2007

Posts: 25,817

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Post #2
technically you should inform them regardless, whether you decide to pursue it or not, wont take long to give her a quote though

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Posted 29th Jul 2014 at 16:39
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buzzbrightyear

Seasoned Pro

Location: hiding all receipts for car

Registered: 09 Jul 2008

Posts: 11,894

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Post #3
Get the quote and go back, you could even get a second hand bumper if the costs are that high she can't pay it, tell the insurance company f**k all unless you really must

________________________________________

andrew315rawson@live.co.uk
Moonstone phase 7 gti6
My Project thread: http://www.306gti6.com/forum/showthread.php?id=119992&page=1
Posted 29th Jul 2014 at 17:13
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alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

Status: Offline
Post #4
yeah, i even have a spare bumper lying here, in the wrong colour fair enough, but I could always get that painted up. Just wondering if I should give her a chance at paying in cash and if she says no or gets smart then I can go to insurance company.

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 29th Jul 2014 at 17:34
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RetroPug

Seasoned Pro

Location: Leicestershire

Registered: 15 Jan 2013

Posts: 2,473

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Post #5
Check VERY carefully that no metal is bent behind the bumper.

________________________________________

61k miles Ph.1 Diablo '6 Project Thread
Posted 29th Jul 2014 at 17:47
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Rich E Forum Admin

Location: Hertfordshire

Registered: 27 Apr 2005

Posts: 7,757

Status: Offline
Post #6
Yep, the slam panel is very prone to damage on even minor front impacts, and the headlight mounting brackets get damaged easily too.

Get an MOT garage to check your headlight alignment. If it's out then the slam panel is bent.

________________________________________

Rich
Posted 29th Jul 2014 at 18:20
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gilesy

Seasoned Pro

Location: Greenwich - in that London

Registered: 03 Apr 2006

Posts: 5,133

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Post #7
If this goes to insurance they'll say you drove into them and you'll both get stiffed.

Regardless of what people say, get a couple of quotes and let them know.
Posted 29th Jul 2014 at 20:04
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gnrlee Forum Admin

Location: Leeds

Registered: 20 Aug 2005

Posts: 8,878

Status: Offline
Post #8
gilesy wrote:
If this goes to insurance they'll say you drove into them and you'll both get stiffed.

Regardless of what people say, get a couple of quotes and let them know.


No No if she decides to say he drove into the back of her it could well swing in her favour!
insurance company's nearly always swing in the favour of the person that was driven into the back off,..

unless the reverse lights were broken in the collision and the insurance company can proove they were on when they were broken!

just get a quote for painting your bumper check the slam panel and those lights bonet etc! and hope she doesn't stiff you!

________________________________________

Proud Member of the ASTOR Owners Club
Posted 29th Jul 2014 at 20:35
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gilesy

Seasoned Pro

Location: Greenwich - in that London

Registered: 03 Apr 2006

Posts: 5,133

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Post #9
gnrlee wrote:
gilesy wrote:
If this goes to insurance they'll say you drove into them and you'll both get stiffed.

Regardless of what people say, get a couple of quotes and let them know.


No No if she decides to say he drove into the back of her it could well swing in her favour!
insurance company's nearly always swing in the favour of the person that was driven into the back off,..


That's what I said Roll eyes
Posted 29th Jul 2014 at 21:12
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alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

Status: Offline
Post #10
gilesy wrote:
If this goes to insurance they'll say you drove into them


Do you know, that's exactly what i was thinking on my way home this afternoon. If she tells her insurance company I drove into the back of her whilst she was sitting at traffic lights, I think they'd believe her story more....I probably would as well if it wasn't for the fact that she feckin well reversed into me!! It was the usual female answer of "oh, I didn't see you"......no dear, you probably wouldn't have unless you used any one of your three feckin mirrors!!!!!! Angry

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 29th Jul 2014 at 21:22
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bigbadbowen

Seasoned Pro

Location: Winchester

Registered: 21 Nov 2003

Posts: 13,752

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Post #11
Why was she reversing just out of interest ?
Posted 29th Jul 2014 at 21:37
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buzzbrightyear

Seasoned Pro

Location: hiding all receipts for car

Registered: 09 Jul 2008

Posts: 11,894

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Post #12
bigbadbowen wrote:
Why was she reversing just out of interest ?

She needed to go backwards

________________________________________

andrew315rawson@live.co.uk
Moonstone phase 7 gti6
My Project thread: http://www.306gti6.com/forum/showthread.php?id=119992&page=1
Posted 29th Jul 2014 at 22:09
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alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

Status: Offline
Post #13
bigbadbowen wrote:
Why was she reversing just out of interest ?


She was at the stop line at traffic lights, it was a one way street with two lanes and I think she realised she was in the wrong lane, stuck it into reverse to get into the other lane and hit me....despite me sounding my horn.

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 29th Jul 2014 at 22:11
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orta

Senior User

Location: East Mids

Registered: 02 Sep 2006

Posts: 860

Status: Offline
Post #14
Mate don't involve the insurance companies ever. For anything. If she seems reasonable and the car checks out that's it's only cosmetic damage just bill her with a quote from a professional place and get it sorted yourself cheaper. Net a little profit for the inconvenience and everyone's happy.

Or just sell the whole thing to me ;-)

________________________________________

CLUB BLACK RALLYE


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Posted 29th Jul 2014 at 22:15
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gnrlee Forum Admin

Location: Leeds

Registered: 20 Aug 2005

Posts: 8,878

Status: Offline
Post #15
gilesy wrote:
That's what I said Roll eyes


That was in answer to your they'll both get stiffed,..
They wouldn't he could though,.. she'd get her car fixed on his insurance
And 2k ish whiplash,..

Unless there's a witness? Roll eyes

________________________________________

Proud Member of the ASTOR Owners Club
Posted 29th Jul 2014 at 22:21
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alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

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Post #16
Anyone know how much to expect to pay for a front bumper respray and fitting (if i supplied the bumper)?

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 29th Jul 2014 at 22:30
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jimmyrallye

Seasoned Pro

Location: portsmouth

Registered: 19 Apr 2008

Posts: 3,144

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Post #17
£150-200 should cover your back

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Posted 29th Jul 2014 at 22:37
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gnrlee Forum Admin

Location: Leeds

Registered: 20 Aug 2005

Posts: 8,878

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Post #18
Yeah that's a good shout!
They'll probably need to blend the paint Wink

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Proud Member of the ASTOR Owners Club
Posted 29th Jul 2014 at 22:47
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Day666

Seasoned Pro

Location: Bristol

Registered: 20 Apr 2013

Posts: 5,212

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Post #19
quote:


No No if she decides to say he drove into the back of her it could well swing in her favour!
insurance company's nearly always swing in the favour of the person that was driven into the back off,..

unless the reverse lights were broken in the collision and the insurance company can proove they were on when they were broken!

just get a quote for painting your bumper check the slam panel and those lights bonet etc! and hope she doesn't stiff you!


I had a bloke pull this stunt on me ...he reversed into the N/S rear of me ....that was 21months ago ...lucky for me I took loads of photos.....took over 9 months to sort & in the bloody end knock for knock ....loads of paperwork & hassle .!!!!!....
Please ....Don't involve the insurance company unless you have to .....learned my lesson the hard way Thumbs down
Only saving grace was We were both to blame with the help of my photos Thumbs up
Could of ended up being 100% my fault ?.....
Posted 29th Jul 2014 at 23:20
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rikky 🦔

Location: cheshire

Registered: 28 Feb 2004

Posts: 26,793

Status: Offline
Post #20
if it's china blue you're gonna struggle like mad getting respraying involved, i've had the same aggro over an 18 month period and in the end i got a 2nd hand decent nick from bumper and panels because the respray was noticeable in certain light (due to being pearlescent paint)

mine was when an uninsured and unlicensed council taxi driver smashed into me in 2010. lovely chap

________________________________________

306 rallye reproduction decals (full sets/individual decals) | 306 b-pillar textured vinyl weatherstrips
306 slam panel esso stickers | 306 yellow / orange / pension fund red side door badges
gti6 inlet manifold badges | 306 rear boot badges (p2/p3)
winner of Extraction of toys from prams with outstanding vigour award 2009 [source: gti6 owners club]
Posted 30th Jul 2014 at 09:13
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alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

Status: Offline
Post #21
rikky wrote:
if it's china blue you're gonna struggle like mad


No, it was the black rallye that got hit. Ironically, I have a full set of spare panels and bumpers in perfect condition for the china 6 therefore I'd need to sacrifice the front bumper from my spares supply and get it painted black. TBH, the rallye front bumper has seen better days and so I'd like to get it replaced anyway, I was just oping that since she cracked it and made it worse that it could all be covered with the one fix.

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 30th Jul 2014 at 19:54
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RetroPug

Seasoned Pro

Location: Leicestershire

Registered: 15 Jan 2013

Posts: 2,473

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Post #22
Take your spare bumper to a body shop, get a quote and give her a ring?

________________________________________

61k miles Ph.1 Diablo '6 Project Thread
Posted 31st Jul 2014 at 10:27
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alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

Status: Offline
Post #23
Got a quote today for supply and fit of new bumper, paint and labour. Slam panel appears fine. Sent the quote to offending female......no repsonse so far, i've given her till Monday or I go to insurance company.

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 1st Aug 2014 at 23:02
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gilesy

Seasoned Pro

Location: Greenwich - in that London

Registered: 03 Apr 2006

Posts: 5,133

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Post #24
I think your insurance will query why its taken so long to report it. Be prepared for that question...
Posted 1st Aug 2014 at 23:37
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alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 932

Status: Offline
Post #25
I reported it the day it happened but never confirmed whether I wanted to make a claim or not.

________________________________________

1999 GTi-6 (china blue)
1999 Rallye (black)
Posted 1st Aug 2014 at 23:58
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