|
|
| *Vultures Knob>>>Bike Insurance |
SCRATCHED CAR, i was driving down the road to the paper? |
shop when a litlle kid on a bike came out of a drive and hit the side of my car, thankfully he was not injured, but my car had a scratch and dent on the drivers door, the little kids bike had no brakes. it happened outside his house and mum & dad came running out. Everything was cool, exchanged details and they said they would cover the damage. I went to see a friend who owns his own bodyshop and he quoted 拢380, which i think is a good price, considering how much the insurance company would charge. The thing is, i rang the parents of this kid and informed them of how much it would be and they and they are saying that they want to use the insurance, does this leave me open to anything, like not reporting the accident and/or not informing my insurers / losing my no claims / paying the excess / i would rather not use the insurance as i don't want to pay any more for the insurance as it's expensive enough and they shouldn't let a kid on the street on a bike with no bloody brakes Yup, your screwed, and I'm sure the parents know it. Not reporting, losing your no claims, excess the works. walk next time They should pay up, it's their fault. They might have some third party thing with their house insurance which could cover them. Alternatively tell your insurance company what has happened and let them sort it out. You shouldn't be out of pocket for this. In the US we would turn in a claim udner the parents homeowners policy. Call your agent and ask them if a homeowners policy there would cover a claim like this. If it will turn in the claim directly to the boys parents homeowners insurance company How can they use YOUR insurance when it's them at fault. If you're fully comp then get it repaired and give them the bill. Also report it to the Police as then you will have a report number for any legal action that may happen if they don't pay. why should you lose your no claims bonus because of their kid. This should not come from your insurance it is for the parents to pay. Tell the parents that they are free to make enquiries of other garages and get their own quotes and then choose which they want to use, as long as your car gets sorted, but that it was not your fault and you will not use your insurance as you will lose your no claims bonus. Just tell them that if they refuse to do this, then your solicitor will be in touch, if they lose this and pay for your car when you use a solicitor they will have to pay your legal fees too. They can't win. You still have to report the accident to the local police/authorities. This is very important for your own protection, so the parents don't come back at you and say that you were at fault. Then it becomes a "they said, you said" situation and your stuck paying for your car and a new bike for the kid. The insurance company will require a copy of the report, also. You will not be out a penny if their insurance pays the bill, and it will not go against you on your insurance. So GO and fill out the report. |
| Tags |
| Cycling Bike Race Bike Insurance Bike Repair Bicycle Shop Bike Tours Trail Map |
Bike Categories--Copyright/IP Policy--Contact Webmaster |