cars been bumped (whilst at BMW Rochdale)
- Thread starter Taz
- Start date
Ouch - feel for you big time.Taz x said:mmm-five, i have not seen it, that as made me cry
Forgive me as i haven't read all the thread but have you been to the dealership to see the top man, i would be tempted to say 'look, you've had my car for 8 WEEKS!!!!, if you'd been capable of sorting it out in the beginning my car would have been at home and not hit in your care. All round i am extremely unhappy and i want it sorted by you now.'
I'm no legal eagle so i don't know where you stand, if you haven't already i would get the lady who hit the car to start the process of dealing with your car otherwise how long will it be before it's sorted. Mine's back finally but every week that's gone by has driven me into a fugue.
I would be tempted to get the womans insurance to pay out and tell BMW you're not paying them the full amount because of the loss of use of your car down to their negligence.
Apologies if some of that has already been said or shown as not possible.
Best of luck
Today I am going to contact the Motor Trade Association and ask there advise
what I really can't get my head around is the fact that the lady as accepted responsibilty, all they needed to do was fix it, then get the money of the ladies insurers, it was an easy job for them. They have now lost themselves the work
what I really can't get my head around is the fact that the lady as accepted responsibilty, all they needed to do was fix it, then get the money of the ladies insurers, it was an easy job for them. They have now lost themselves the work
Let us know dude. It is bloody disgusting. In their care, its their bliming care!
Bradders75
Senior member
Taz x said:
If you were going to fix it yourself? Playing it by the book, yes, but I don't know many people who actually would...
If you're fixing it yourself, don't tell the insurer.
If you're claiming off her insurance, you will need to tell your insurance company, as it'll be on your record anyway - may as well pay your excess, let them handle it, and then get your excess back - that's what I did.
If you're claiming off her insurance, you will need to tell your insurance company, as it'll be on your record anyway - may as well pay your excess, let them handle it, and then get your excess back - that's what I did.
IK. said:
Agree - if you're fixing yourself, I wouldnt tell insurance. If you are having a spot fix done (i.e. not replacing whole door etc), by the time you add up excess and increased premium which result from letting the insurers deal with it, you'd be as well just paying the repair cost which may work out cheaper in the long run.
Of course this is just opinion....
Adamski said:
Exactly this. For something so small (although I know you're a bit older than I am, Taz) it would be worth trying some speculative internet quotes to ascertain the % difference in policy cost for next year. Times this by 3(ish) to cover the next 5 years where they'll ask you about a claim. Of course, you'll not lose your excess, as you're not at fault.
Mine went up about 15% I believe - perhaps more.
pvr said:
Similar would apply if you were to repair a stone chip which was specifically caused by another vehicle flicking a stone up at your car, or if you were to replace a tyre due to a foreign object on the road left by another vehicle.
In all of these cases, I don't believe there would be a court in the land which would rule that fixing the car yourself and not telling the insurance company would be tantamount to fraud.
PVR is of course just stating facts by the book, to make you aware.
If you're claiming from the third party's insurance, then you definitely MUST declare this in the future when buying insurance.
If you listen to the terms carefully, it will be along the lines of 'Have you been subject to a claim within the last 5 years, regardless of fault, and regardless of whether the full costs were recovered from the third party or not'.
If you're claiming from them, you must declare it - I can't reiterate that enough. It will most likely put your insurance up, and it's worth looking into this.
If you listen to the terms carefully, it will be along the lines of 'Have you been subject to a claim within the last 5 years, regardless of fault, and regardless of whether the full costs were recovered from the third party or not'.
If you're claiming from them, you must declare it - I can't reiterate that enough. It will most likely put your insurance up, and it's worth looking into this.
Bradders75
Senior member
Taz x said:
Nope, that's not the question in its entirety at all. It's usually along the lines of 'any losses or claims in the last 5 years.'
You have three options Pete - fix it yourself and say nothing; fix it yourself and tell your insurer (
) or get an insurer involved and pay an increased premium for the next few years.