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Author Topic: Damaged when parked outside  (Read 2187 times)

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powerslinky

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Damaged when parked outside
« on: 15 January 2018, 18:36:30 »

Not me but my daughters y reg mondeo . She came out this morning to find a note from a local schoolkids minibus

driver with his companys details.  N/S rear light cluster  smashed , rear bumper hanging off & some local paint damage.

Can she just claim from the drivers company insurance without getting her insurance company involved ?

The car is very low mileage for year & has been in the family from almost new & well looked after.

Can she demand the car is repaired ?  any advice apriciated  :y
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biggriffin

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Re: Damaged when parked outside
« Reply #1 on: 15 January 2018, 18:51:19 »

You have incoming :),,, unless you've changed your phone number ;)
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biggriffin

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Re: Damaged when parked outside
« Reply #2 on: 15 January 2018, 18:58:44 »

Who did I just text then. :-[
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Andy B

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Re: Damaged when parked outside
« Reply #3 on: 15 January 2018, 18:59:59 »

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powerslinky

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Re: Damaged when parked outside
« Reply #4 on: 15 January 2018, 19:00:47 »

You have incoming :),,, unless you've changed your phone number ;)

Got it  . .cheers Trev   :y
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powerslinky

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Re: Damaged when parked outside
« Reply #5 on: 15 January 2018, 19:02:15 »

Who did I just text then. :-[

Calm down  . . . it WAS  me    ;D ;D ;D    thought I'd replied  :-\ :-\
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biggriffin

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Re: Damaged when parked outside
« Reply #6 on: 15 January 2018, 19:05:07 »

You got two phones, typical Essex type. ;D
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powerslinky

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Re: Damaged when parked outside
« Reply #7 on: 15 January 2018, 19:08:18 »

You got two phones, typical Essex type. ;D

No . . . Three  ;D ;D ;D            . . . . . .only got the one  . . .the one you texed to  :y :y
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Re: Damaged when parked outside
« Reply #8 on: 15 January 2018, 19:12:06 »

You got two phones, typical Essex type. ;D

No . . . Three  ;D ;D ;D            . . . . . .only got the one  . . .the one you texed to  :y :y
.

The 1st txt or the second....  I'm confused now  :P
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zirk

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Re: Damaged when parked outside
« Reply #9 on: 15 January 2018, 19:45:40 »

Abosolute best case, as theve already admitted liabilliaty by leaving thier details, you can demand that the full Cost of Repaires to your satisfaction are are paid and covered by them, this can be done in two ways -

1. You submit a Quotation for the Cost of Repairs and they front the Cost in Full prior to the Works if paying you directly, or they agree to to pay the Repairers directly using an agreeable method between them and the Repair Co. either way you will need to get something in writing that leaves a paper trial so that you still have a legal claim of sorts should it not go to plan. If the Bus is run by outside Contractor, which is probably the case, then then Bus Contractors may suggest they cover the Cost by using there Own or there Approved Repairers directly, but your still need written confirmation prior to the event.

2. They dont want to play ball on any of the above, then you inform them you will be going down the Independent Insurance Assessor route, the Insurance Assessor will work on your behalf without involving your Insurance, He will (or Should) claim his full costs and yours against their Insurance Co, and your probably find he will also claim additions, like, Hire Car or Travel Cost, Loss of Earnings etc, whilst the Car is undergoing repairs.
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STEMO

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Re: Damaged when parked outside
« Reply #10 on: 15 January 2018, 19:47:22 »

Or....they just refer you to their insurance company.
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zirk

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Re: Damaged when parked outside
« Reply #11 on: 15 January 2018, 20:00:25 »

Or....they just refer you to their insurance company.
Yea, but if there PSV Insurance involves Transporting Kids, it will be cheaper for them to fix it, than bother their Insurance Co.
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Re: Damaged when parked outside
« Reply #12 on: 16 January 2018, 07:50:27 »

Or....they just refer you to their insurance company.
Yea, but if there PSV Insurance involves Transporting Kids, it will be cheaper for them to fix it, than bother their Insurance Co.
.

Transporting, children,fluffy bunnies or kittens has got swfa to do with a minor traffic collision,,,  unless your a daily mail journalist.
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Kevin Wood

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Re: Damaged when parked outside
« Reply #13 on: 16 January 2018, 09:44:59 »

.. and their insurer won't want to deal with you directly, so probably best to pass the details on to your insurer and let them deal with it to save you the hassle - unless the operator are prepared to pay directly for the repair.
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JamesV6CDX

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Re: Damaged when parked outside
« Reply #14 on: 16 January 2018, 19:04:07 »

You should tell your insurance anyway. Let them deal on your behalf, job done. It’s what you pay them for :y
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