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[craig]

Yesterday an elderly man reversed straight into the back of my parked car while me and my 1 yr old daughter was in the car,so i got out and first thing i asked was if he was ok!!he replys yes and asks if there was any damage to which i reply there does'nt seem to be,so then i ask for his details and the old man replys you don't need them if there is no damage

As i am 6"2 and 20stone and extremely angry i don't scream or shout i just get into my car and pull up behind him and take a photo of his reg and drive down to the police station and report it!!


Phone the insurance today and tell them and i have now got to get my car checked over tommorrow ::)so i was wondering if anyone has an idea what they will say?? There doesn't appear to be any dents just a couple of scratches and the chrome strip on the back bumper is all bent etc.... and the exhaust blows a bit now and gets caught on the speed bumps in my street :-/ :-/

[Martin_1962]

Quite probably

[Elite Pete]

More than likely, but you can always buy it back off the insurance and repair it using secondhand parts

[STMO123]

The average price for an omega these days is £37.50. It doesn't take much for the insurance company to write them off.

[Elite Pete]

The average price for an omega these days is £37.50. It doesn't take much for the insurance company to write them off.

And thats only if they have rent for 6 months

[Lizzie_Zoom]

Yesterday an elderly man reversed straight into the back of my parked car while me and my 1 yr old daughter was in the car,so i got out and first thing i asked was if he was ok!!he replys yes and asks if there was any damage to which i reply there does'nt seem to be,so then i ask for his details and the old man replys you don't need them if there is no damage

As i am 6"2 and 20stone and extremely angry i don't scream or shout i just get into my car and pull up behind him and take a photo of his reg and drive down to the police station and report it!!


Phone the insurance today and tell them and i have now got to get my car checked over tommorrow ::)so i was wondering if anyone has an idea what they will say?? There doesn't appear to be any dents just a couple of scratches and the chrome strip on the back bumper is all bent etc.... and the exhaust blows a bit now and gets caught on the speed bumps in my street :-/ :-/

Sorry Craig but I don't fully understand why you reported it to your insurance company if there was no real damage apart from superficial trim issues, and your excess will cover that anyway? :-? :-?

Also why did you tell the chap that there was no damage, when obviously there was, even if just slightly? :-? :-?

Why not just track him down and politely ask for some cash to do the minor repairs. 8-) 8-)

[belldarr]

Sorry to hear that the grey menace strikes again !!

Get a couple of quotes and then get a valuation from Parkers - i think they tend to write the car off if the repairs get near 2 thirds of the value of the car.

But as someone has already said try and come to an arrangement with the old guy if you can track him down.

[omegaman2]

thats not the car the new wheels are for i hope  

[tmx]

i had a similar experiance with a dappy school run mum! went into the back of the mig at about 5mph no damage to myn atall though!

hers well it was a BMW Mini and there was blue liquid pouring all over the ground with steam so i laughed and got back in and drove off!

hopefully her radiator broke i hope it did anyway! never bothered with insurance!

[craig]

Yesterday an elderly man reversed straight into the back of my parked car while me and my 1 yr old daughter was in the car,so i got out and first thing i asked was if he was ok!!he replys yes and asks if there was any damage to which i reply there does'nt seem to be,so then i ask for his details and the old man replys you don't need them if there is no damage

As i am 6"2 and 20stone and extremely angry i don't scream or shout i just get into my car and pull up behind him and take a photo of his reg and drive down to the police station and report it!!


Phone the insurance today and tell them and i have now got to get my car checked over tommorrow ::)so i was wondering if anyone has an idea what they will say?? There doesn't appear to be any dents just a couple of scratches and the chrome strip on the back bumper is all bent etc.... and the exhaust blows a bit now and gets caught on the speed bumps in my street :-/ :-/

Sorry Craig but I don't fully understand why you reported it to your insurance company if there was no real damage apart from superficial trim issues, and your excess will cover that anyway? :-? :-?

Also why did you tell the chap that there was no damage, when obviously there was, even if just slightly? :-? :-?

Why not just track him down and politely ask for some cash to do the minor repairs. 8-) 8-)

As far as i know there is no damage,just scratches and trim damage but i'm not a specialist in that department so there could be more :-/ and the end of the day i've got two toddlers to drive around so i'd rather be in a safe car than sorry


And checking for damage was the last thing on my mind at the time,my main concern was my 1yr old daughter who was in the back at impact


And the exhaust is rattling like hell now and gets caught on the speed bumps in my street whereas it wasn't before

[craig]

thats not the car the new wheels are for i hope  

  Ah well whatever happens i'll be driving an omega at the end of the day so alloys will still be used

[amigov6]

Firstly, glad your littlun is ok, but i think the moral of the story is, Always get all other parties ins. details. I would'nt have accepted his answer of no need for them.
     If i were you i'd leave ins. now as a quote for a new bumper, trim, painting & a new exhaust @ stealer prices could well result in an financial ins. write off & cat D on the cars history which is needless so i'd fix it in house. Plenty of folk on here breaking Migs, can spray etc.
   Life's a little unfair at times.

[craig]

As i have never been in an accident before can someone tell me what this email means please Does it mean that they expect me to pay £295 on the spot if the garage agrees to do the repairs even though i wasn't at fault???




The repairs to your car have been arranged at xzxzxzxz

An engineer has been instructed to inspect your car and assuming that repairs are covered under your policy, he will authorise the garage to proceed with the repairs.

An excess of £695 (Compulsory - £295, Voluntary - £400) should be paid to the garage.

Kindly advise us if you are VAT registered, because if you are, this would have to be paid to the garage.

[craig]

Firstly, glad your littlun is ok, but i think the moral of the story is, Always get all other parties ins. details. I would'nt have accepted his answer of no need for them.
     If i were you i'd leave ins. now as a quote for a new bumper, trim, painting & a new exhaust @ stealer prices could well result in an financial ins. write off & cat D on the cars history which is needless so i'd fix it in house. Plenty of folk on here breaking Migs, can spray etc.
   Life's a little unfair at times.

Thanks mate  

[Welung666]

From quickly reading the email ( I like the part about not disclosing the contents to anyone else so you post it on an open forum ) it looks as if they are making the claim against your insurance not the old farts.