Need a new bumper after being hit !!

C

chester2000

Member
Morning All,

Last night whilst parked in a car park a nice chap in a 5 series decided to keep reversing and hit my front bumper on the passenger side. There isn't much damage although it has been marked & scuffed.

He immediately apologised and said he didn't see my car. He's provided his contact details and insurance and i have a witness that saw everything.

I have a couple of questions:

Should I claim through my insurance ?. He drives a company car and wasn't bothered about me making a claim against him. Will my premiums increase ?

Should I replace for like for like bumper or can i use this as an opportunity to change the look / styling of the Zed ?

Thanks for any help / suggestions. :)
 
i meant if you can blag it off the insurance

if you buy yourself you will be looking at a min of £400 for the bumper, painted and parts such as air ducts
 
If it's marked and scuffed, would they replace the bumper or repaint/finish it? I could understand if it's been cracked/creased/broken, but if not why bother with a new bumper?
That said, if it's going through the insurance, the insurance firm, the garage etc will all bump up the cost of the job - which is why if you make a claim, even though it's not your fault, you can expect a raise in premium (someone has to pay somewhere - the excuse they'll give you is that you're now 'statistically a higher risk'). I found that out through personal experience last year (I was stationary in traffic, driver of car behind me wasn't paying attention and went into the back of me). If I could go back, the bumper on my Focus wasn't that bad, I shouldn't have bothered claiming.

I'd say realistically you're unlikely to get an M bumper through insurance, but if you don't ask you probably won't get.
 
Just been in touch with the other chaps' insurance company and they are going to arrange repair as he has admitted liability !

I haven't had to contact my insurance company at all......result ..(i think ) !! :thumbsup:
 
chester2000 said:
Just been in touch with the other chaps' insurance company and they are going to arrange repair as he has admitted liability !

I haven't had to contact my insurance company at all......result ..(i think ) !! :thumbsup:
Click to expand...

But you still have to report the accident when your insurance is renewed, because insurance database will have your record.
 
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