fiestaturbo.com

[abbasar2000]

Yesterday i was parked outside some local shops when an elderly gentleman reversed out a parking space opposite me on full lock and kept going, and going, and going, i turned to my friend beside me and said ' wait for it ' then. bang. reversed straight into the front of my car.

I got out immediatly, as did the elderly man, saying ah there is nothing, and apologised, then i pointed out the 2 large cracks behind the numberplate, he then gave me his insurance and adress but told he would pay for the repairs himself.

I went and got a quote from the bodyshop for the bumper and paint and was quoted £300, a little steep (its a Ford Mondeo) i thought but never the less popped the quote through the old chaps door with a note and my mobile number to ring me ASAP.

He called me several hours later,telling me the quote was a little steep and that him and his wife are dependant on benefits at present and could not afford such money, going through the insurance would see my car being written off and all the other hassles id rather not deal with just for a smashed bumper left me with no option but to come to the agreement with the man that we go 50/50 as there was already a small amount of damage to the opposite corner of the bumper which he spotted and i couldn't argue with him.

Im also dependant on benefits at present too.

But he had two 51 reg cars on the drive and a nice bungalow, so i don't know whether he was blagging me?

I just like to gather a few opinions as to what people would do? I was tempted to let it go but i need the money really and why shouldn't i? He damaged my vehicle so im within my rights to be entitled to something?

Its just the fact he was elderly, said he was on benefits... i just feel for old people in that situation...

Just slightly unsure, he is sending me a cheque out.

[M1K3Y_B]

If the price for a new bumper painted is £300, then thats what it is.

I wouldn't have agreed 50/50 as it wasn't your fault, but maybe you could have beeped your horn or something to let him know he was getting close which may have prevented it from happening?

As for the bit of the bumper that was damaged already, it doesn't make a difference.

At the end of the day it was his fault, so i would have expected him to pay up as he did offer to pay for it himself, if he thinks the price is too high then its goes through the insurance. Simple.

Thats what i think anyway

[abbasar2000]

Its just i read the small print on my insurance policy, and it says for an total loss claim, and money paid to me i won't be granted until my premium is fully paid off, so if i owe £290 on my policy for the remainder of the year, and i got £400 for the car then im only going to get £110 for my car? Or does that just apply if i claim on my own insurance?

I do remember someone on here there car got pinched and they tried to claim but ended up being without a car, out of pocket and owing his insurers money to pay off the premium due to the claim?

Im insured with http://www.insureyourmotor.com he is with direct line.

[M1K3Y_B]

I do remember someone on here there car got pinched and they tried to claim but ended up being without a car, out of pocket and owing his insurers money to pay off the premium due to the claim?

This thread?

http://www.fiestaturbo.com/forums/my-fiesta-has-been-stolen-vt173527/

[Sphinx]

He has insurance, ask him to use it

As for you having to pay an excess or anything like that, that only applies when you go through your insurance (if the accident was your fault)
He hit you, he admitted fault and has insurance. Just tell him to go through his insurance if the repair is more than he can afford in cash, if your car is a write off then you'll have to argue a bit with his insurers becuase they'll no doubt offer you the lowest possible amount but you can cross that bridge when you come to it. Oh and demand a courtesy car while yours is being repaired or assessed.

[attwood]

hows your neck feeling

[p4blo]

Yep use his insurance. I doubt the car will be written off. When I had to claim on someones insurance because they drove into my parked car, the insurance chap came round, had a look and asked me to get some quotes, which I did. Turned out to be £400 but they still paid out on a car worth perhaps only double that.

[abbasar2000]

Well the guy popped round and put a cheque for £160 through the door.

The exhaust fell of the said car earlier, well the midsection,ive now got a side exit exhaust and the balljoint is dead on the drivers side lower arm.

Think ill just use the money to fix the car up, its got 2 semi slick front tyres aswell i noticed.

[xr2i_babe]

what reg is your car? you could prob pick up a fairly decent 2nd hand bumper so less than 50quid.

i would of done what you did in all honestly im a softie with old ppl though haha

[Tweek]

Old people say the live on benefits but truth is most of them are sat on a gold mine lol.

[abbasar2000]

Yeh well when i got the cheque there was a note attached, and he is a Reverend? nice bungalow, 2 5 year old cars on the drive.. yeah okay...

Something wern't adding up, as long as the cheque clears ill be happy.

Im a soft one with the elderly too, il never be able to understand how people can rob them, or like enter there house saying they are from the water board or something

[j7aoc]

Fuk him he hit your car hes pays old or not unless he can get it fixed cheap him self i won't worry i bet he doesn't want to go through the insurance company because i bet he's done this a number of time and is worryed about being uninsurable

[Luke1990]

should be treated as any other road user to be honest, otherwise it is discrimination If he cant drive then he shouldnt be on the road.

Its not like you are going to put his premium up

[Ollie]

1) I haven't read what everyone else has written.

2) Technically they can't write your car off as a 3rd party unless it's "beyond economical repair" which £300 isn't. They're obliged to return it to the condition it was in previously.

3) Not a lot of people know this.

4) There's no excess on 3rd party claims. If you claim through your own insurance then you claim it back from the other person, if you claim directly then you don't lose it in the first place.

5) Why in the hell did you just sit there and watch him reverse into your car? Is your horn broken!?

[jayrs]

i havent read the replys, but first off, i have to say your a mug ofr agreeing 50/50, so what there was a bit of damage on the bumer anyway, its like someone denting your wing and saying, well there is a bit of surface rust there.....

old people pi$$ me off, dependant on benifits, yeah right, goverment pension, private pension thats each for him and his wife, plus saving...

na, you got back and tell him your not going 50/50 its the full cost from him or through the insurance company, you tell him you spoke to your insurance company and this is what they have advised so you are there for claiming from his insurance, why should old people get away with it, he hit you, fcuk him!

and i gotta ask, why did you let him hit you? i would of hung on that horn and giving him hand signals to highlight the fact he nearly hit my car!

[Minstral]

and i gotta ask, why did you let him hit you? i would of hung on that horn and giving him hand signals to highlight the fact he nearly hit my car!

just what i was thinking jay.
if you saw it was happening why didnt uyou try and stop it? horn?

[happypaul]

bit of a pickle getting into that, but I wouldnt have let him reverse into me if I was sat in my own car watching

I havent read all the comments, but because he has 2 51 plate cars and a "nice" bungalow doesnt mean they are blagging you about being on benifits. They are 8 year old cars

[M1K3Y_B]

should be treated as any other road user to be honest, otherwise it is discrimination If he cant drive then he shouldnt be on the road.

Too right

[fezzy-no1]

hows your neck feeling

I would have whiplash after that i wud deffo be claiming if that happened to me

[BigUKG]

I agree with Paul, two 51 Reg cars isn't anything that massive really since they are 8yrs old now (though they still seem new)..

TBH, I wouldn't have thought to use my horn probably because you just thing "god he's gonna hit me" so you don't think as quickly as that in that situation I doubt, but, I still would not have agreed to pay 50/50. If you can afford to pay £150 for damage to your car that wasn't your fault, then you might as well pay all of it in my opinion. I would never apologise for something that isn't my fault and as for paying money for something someone else did, fook that.

If he wont pay all of it, claim on his insurance. I'm sure he'll some come round when you tell him that's how it's gonna be!!

Put your money back in your pocket and be sensible about this. If someone else said they were paying money for someone hitting into their car, what would you say?!

[Capri]

hows your neck feeling

I would have whiplash after that i wud deffo be claiming if that happened to me

Then you're a f***ing idiot.

[Ollie]

TBH, I wouldn't have thought to use my horn probably because you just thing "god he's gonna hit me" so you don't think as quickly as that in that situation I doubt

Er... that's exactly the situation you're supposed to think quickly in and use your horn to prevent.

My first intinctive reaction would be to lean on the horn the minute it looks like he's going to hit you.

[BigUKG]

hows your neck feeling

I would have whiplash after that i wud deffo be claiming if that happened to me

Then you're a f***ing idiot.

TOLD.

Ollie - I agree mate but that's not to say everyone's capable

[fezzy-no1]

hows your neck feeling

I would have whiplash after that i wud deffo be claiming if that happened to me

Then you're a f***ing idiot.

Whys that then, you tard.

[Capri]

Whys that then, you tard.

Because you'd be claiming for something you didn't have, which is something that puts all of our insurance premiums up. And kindly refrain from calling me a tard until you've learned to spell and punctuate properly.

[fezzy-no1]

Whys that then, you tard.

Because you'd be claiming for something you didn't have, which is something that puts all of our insurance premiums up.

Well you must be stupid or demented, IT WAS A JOKE.

[BigUKG]

That's the spirit mate. Why are you still being abusive?

[xr2i_babe]

[fezzy-no1]

That's the spirit mate. Why are you still being abusive?

If your on about me??

If your a mod on a car forum why would you reply to someone like that?

[BigUKG]

Back on topic, PM if you must.

[Capri]

Sorry, I shan't take this any further off topic after this post but I do feel the need to reply one last time.

fezzy-no1, forgive me for not knowing you personally and thus being able to tell the difference between you joking and you being serious, but if you're going to post comments like that up on a public forum without making it clear that you're joking, you have to expect to roll with what you get back. As to the comment, "If your a mod on a car forum why would you reply to someone like that?", I have to respond by asking whether you believe that being a mod on a car forum automatically precludes me from being able to share my own opinion. If you do, then I suggest you readjust your expectations during your time here, because you'll find that I'm not the only mod here who will express his/her opinion on matters which they feel strongly about. And for the record, I am both stupid and just a tad demented, and proud of both.

Right, I'm done. Back on topic.

[fezzy-no1]

Wooow it makes me laugh how mods always think there right.

Well capri your a f**kin idiot Tbh

[BigUKG]

Wooow it makes me laugh how mods always think there right.

Well capri your a f**kin idiot Tbh

If you get banned, I'll be very happy.

[Tweek]

Wooow it makes me laugh how mods always think there right.

Well capri your a f**kin idiot Tbh

If you get banned, I'll be very happy.

seconded

[Capri]

Wooow it makes me laugh how mods always think there right.

Well capri your a f**kin idiot Tbh

You forget, I already know I'm right, and indeed, I already know that I'm a f***ing idiot. That's not the issue here.