Who gave her a driving licence?

[kanecullen89]

So here's the story, I pulled up in a children's bay at tesco car park (yes I did have my daughter with me). I wasn't. Quite straight so I needed to straighten up.
I had a good look around, no cars moving.
I backup slowly and stop my car. It's about half in, half out of the space.
I'm completely stationary and I'm just slotting it into first when I hear a car engine revving slightly.
I look over through the rear passenger window where my daughter is sitting and I see a large peugeot car reversing straight towards me. Before I get a chance to select 1st and floor it out of her way, or beep my horn, Crash! Straight into the side of my car!!

So I sit in my car pretty fuming just taking a breath before I speak with her.

She didn't admit blame but she kept saying, 'I'm so sorry' which to me is as good as an admission.

I was stationary and you can see from that damage that it's impossible (other than if I was sliding) that I had hit another car.

Anyway, luckily due to this forum I had registered with audi ensurance a couple of months ago so I gave them a call to sort out the claim because I want a good repair job.

So what do you think of the damage? It looks fairly minor but there are a couple of deep dents on the arch and obvious deep scratching.

Kane

http://i783.photobucket.com/albums/...4-B35E-4E58-9E40-5270A31AD25C_zpstsxcafe3.jpg

 

[Zafi]

£600 for a decent repair. Hardly worth messing up your no claims.

 

[kanecullen89]

£600 for a decent repair. Hardly worth messing up your no claims.

I've got protected no claims. Would you still not claim off her?

 

[Anthony566]

I've got protected no claims. Would you still not claim off her?

Have you spoken to her about her paying for the repair without involving your insurance ?? because trust me even if its not your fault you will loose out in the long run as you still have to quote none fault accidents for 5 years and if a none fault accident didn't effect you then why do you have to report it on future insurance ??

And yes I am talking from experience ... I had a none fault accident almost 4 years ago now and my insurance went up the following year by a chunk an stayed up until this year when I changed my car ....

also I know this is bolting the door after the horse etc but this is the very reason I have installed a front and rear facing incident camera ....

 

[longp2]

That'll cost more than £600 (IMHO) I hit a pheasant in mine last year, about £3000 worth of damage to the front end, insurance paid out and this year my renewal was less than last year.
I also used Audi Ensurance and was very impressed.

 

[kanecullen89]

That'll cost more than £600 (IMHO) I hit a pheasant in mine last year, about £3000 worth of damage to the front end, insurance paid out and this year my renewal was less than last year.
I also used Audi Ensurance and was very impressed.

Thanks for this.

There is 2 quite deeps dents on the wheel arch and scratches on the door and arch.
I would have thought, using official parts/paint, it would cost a good £700. That's why it would be worth going through insurance.

I'm not sure, I'll have to have a thing. The woman doesn't seem to have any problem with going through insurance rather than giving cash so my only options might be insurance or take the hit myself but I don't think that's right. I think her insurance should pay considering it's her fault!

 

[dpaz]

Get her to admit liability to her insurer's and they should then contact you and basically head to your wish.

For example, demand a hire car and a decent repair garage. They will want you to go to their "approved repairer" I suspect so they can do half the job and use non-OEM parts.

 

[Brennan]

I had a non-fault incident last year with my previous car, a new SAAB, where i was driving up a side street in town. A very narrow street with cars at either side of me, just a cars width of room to go up the street. Next thing... BANG!... Some young kid had opened the rear door of a car to get out, just as i was going past. My door mirror went into a million pieces and there was a dent on my door.

The lady came running out of her house as she heard the bang. I felt sorry for her, she was driving a banged up Skoda. I remained very calm and she apologised for her kid and told me to put it through her insurance as she didnt have any money to pay for the repairs to my car.

So we exchanged details and i went on my way, as you can imagine, for someone who takes great pride in their cars, i was not in the best mood. However i got a call from her insurance company the morning after. They were fantastic, they took care of the whole thing and booked me in for repairs at the most expensive and experienced repair centre in Belfast, Isaac Agnew Accident Repair Centre. Its a fantastic workshop, its where they send all the BMW/Audi/MB/Porsche cars to get repaired.

They hired in a SAAB Specialist from England to carry out the repairs on my car. I had 3 different courtesy cars when my car was getting repaired. They replaced the door, window glass, door mirror and resprayed the side of the car. The final total came in at £3694.32.

My insurance premium was NOT affected in any way. I rang my company to inform them of the accident and they said, no problem thanks for letting us know, we will let the ladys insurance company sort things out.

I did feel real sorry for the woman, she did not have much money and her premium must have rocketed.

 

[kanecullen89]

Cheers for the advice guys.
My wife thinks I should just claim, get the best repair I can through audi ensurance and worry about any premium when it comes to renewal (nearly a year away).
I'm partially worried that she won't admit liability because we have no witnesses but there is no way really it could be seen as my fault as I was stationary and the damage is quite conclusive proof that someone has just driven into me

 

[dts439]

Even a "no-fault" accident can be seen as a risk by some insurance companies, and you'll have to declare it for the next 4/5 years on any renewals or quotes.

I had an old lady hit me at a roundabout just over 5 years ago. She admitted liability immediately and Saga (yes really) sorted it all out OK without me having to claim through my own insurance. Still had to declare it at renewal (classed as "Accident - Recovery made") but my insurers (Direct Line) did not apply any loading . I was still pleased to see it disappear off my record last renewal.

 

[rum4mo]

Even a "no-fault" accident can be seen as a risk by some insurance companies, and you'll have to declare it for the next 4/5 years on any renewals or quotes.

Yup that is the way of things, I had no problems with a claim I had, other party covered it through their insurance, but, when I looked into changing insurers after buying the S4, the phrase "any claims within the past 5 years" stopped me jumping - well for a year or so!

 

[S.line]

Read my non fault accident thread. Diminishing value could cover you insurance going up!