|
|
|
|
|
|
BMW Garage | BMW Meets | Register | Today's Posts | Search |
|
BMW 3-Series (E90 E92) Forum
>
Bump - advice needed
|
|
05-30-2012, 11:57 AM | #1 |
Major General
695
Rep 7,308
Posts
Drives: see above.
Join Date: Apr 2005
Location: Yorkshire, UK
|
Bump - advice needed
Hello all,
Had a bump recently and asked for the chap to send me the cost of the repair. It's an S Reg Astra and the quote is as follows Wheel tracking £18 Headlight £62 Wheel Trim £22 Brackets £11 Car Rental for 3 days £45 Paint and Materials £96 Labour £270 Total £628 Now, the damage to mine is minor and I 'll be repairing myself. I couldn't get photos or see the damage to his car at the time as it was on a busy M1 underpass/roundabout where we both going in different directions ( nor could I be bothered as returning from my cousins funeral) Bearing in mind the insurance excess and cons that go on nowadays - would you just pay up? He seems a genuine chap and has been open and upfront with his communications. If I was to pay him, how do I protect myself from a future claim via his insurance etc?
__________________
Last edited by - Paul -; 05-30-2012 at 12:03 PM.. |
05-30-2012, 11:58 AM | #2 |
The Tarmac Terrorist
949
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
You had abump and now his wheel tracking is out?
__________________
997.2 GT3
|
Appreciate
0
|
05-30-2012, 12:06 PM | #3 |
Major General
695
Rep 7,308
Posts
Drives: see above.
Join Date: Apr 2005
Location: Yorkshire, UK
|
18 in the context of 628 I won't worry about Carl, There was no glass at the scene etc - Lets say the work required is genuine - does £270 labour and 3 days car hire sound right - The car cant be worth much more.
__________________
|
Appreciate
0
|
05-30-2012, 12:11 PM | #4 | |
Major General
192
Rep 6,110
Posts
Drives: Don't know yet!
Join Date: Jul 2007
Location: UK
|
Quote:
Get him to sign and date the receipt. |
|
Appreciate
0
|
05-30-2012, 12:31 PM | #5 |
The Tarmac Terrorist
949
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
So confused.
__________________
997.2 GT3
|
Appreciate
0
|
05-30-2012, 12:38 PM | #6 |
Major General
192
Rep 6,110
Posts
Drives: Don't know yet!
Join Date: Jul 2007
Location: UK
|
It's never that hard though is it Carl
In fairness, at the time you originally posted,only part of Pauls original post appeared, and it looked like this: Hello all, Had a bump recently and asked for the chap to send me the cost of the repair. It's an S Reg Astra and the quote is as follows Wheel tracking ----------------------------------------------------------------------- Bizarre I know,but there you go |
Appreciate
0
|
05-30-2012, 12:39 PM | #7 |
Brigadier General
112
Rep 4,021
Posts |
A minor bump can cost a lot.
£270 is only 3 or 4 hours labour in many garages. For the sake of your NCB and excess I would pay that amount. As above make sure there is evidence to prove an agreement. |
Appreciate
0
|
05-30-2012, 12:40 PM | #8 | |
Lieutenant
12
Rep 444
Posts |
Quote:
I'd much much rather pay £628 than go through insurance. He'll be having some of that himself, but who cares, over and done with. I'd also put on the statement that no injuries occured to any parties.
__________________
E46 M3 SMG titanium silver, with grey leather. 335d now longgg gone.
|
|
Appreciate
0
|
05-30-2012, 01:04 PM | #10 |
Major General
136
Rep 5,050
Posts |
You could always ask him if HIS policy covers him for car rental, I doubt it does - on the other hand would you have asked for this had the position been reversed? I'd bite the bullet & pay the guy but, as others have said, get him to sign for full & final settlement.
|
Appreciate
0
|
05-30-2012, 01:23 PM | #11 | |
Major General
886
Rep 9,097
Posts |
Quote:
Some people claim for personal injuries later on. So make sure you get that covered in your document and get it signed.
__________________
F36 Xdrive for her - HUD, park assist, heated steering wheel, rear camera, Apple car play
F36 RWD for him - HK, M sports pack, GTS tail light, Apple car play |
|
Appreciate
0
|
05-30-2012, 02:12 PM | #12 |
The Tarmac Terrorist
949
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
Is your premium gonna go up by 600notes? Probably not.
__________________
997.2 GT3
|
Appreciate
0
|
05-30-2012, 02:35 PM | #13 |
Brigadier General
112
Rep 4,021
Posts |
No. I would imagine he will have a £250-350 excess to pay and he will lose some NCB.
Even if Paul has protected NCB the accident will still cause an increase to his premium. Factor that in over the long term and it will cost a few quid that way too, although you will be paying it back over years of insurance policies and not up front. |
Appreciate
0
|
05-30-2012, 02:41 PM | #14 |
Major General
695
Rep 7,308
Posts
Drives: see above.
Join Date: Apr 2005
Location: Yorkshire, UK
|
£350 excess. I do have protected NCB. If its claimed on the insurance, if it goes up £100 then it will only be two years before I break even plus no claims to tell the insurance about.
I've offered to pay him which he's accepted but he's now asking whether it would be acceptable for that money to pay for another car instead. AFAIC it makes no odds to me. Any other thoughts?
__________________
|
Appreciate
0
|
05-30-2012, 02:53 PM | #15 | |
Brigadier General
112
Rep 4,021
Posts |
Quote:
He will probably sell his car for a few quid, pocket your cash and be better off than the real value of a good S plate Astra. I suppose as long as you still cover yourself with him signing a disclaimer it hardly makes any difference. You will still be out of pocket the same amount. Although he would not need car hire now. |
|
Appreciate
0
|
05-30-2012, 04:55 PM | #16 |
Major General
695
Rep 7,308
Posts
Drives: see above.
Join Date: Apr 2005
Location: Yorkshire, UK
|
Good point re the hire car - He only told me as I'd asked for a signed and dated receipt for the work. It's a better proposition for him as he gets to keep/sell the Astra then buy another motor with my cash or add mine to the proceeds of the sale of his Astra.
__________________
|
Appreciate
0
|
05-30-2012, 05:07 PM | #17 |
Major General
268
Rep 9,915
Posts
Drives: VW T5
Join Date: Apr 2008
Location: Worcestershire
|
How much does an 'S' reg Astra go for these days? Answer - fuck all.
Any insurance company will write the car off and offer him a few hundred quid. Offer him £350 and tell him to fook off.
__________________
|
Appreciate
0
|
05-30-2012, 05:13 PM | #18 |
Major General
695
Rep 7,308
Posts
Drives: see above.
Join Date: Apr 2005
Location: Yorkshire, UK
|
I could tell him to go through the insurers but didn't want to because of the hassle , rise in premiums etc.
__________________
|
Appreciate
0
|
05-30-2012, 06:19 PM | #19 |
Colonel
58
Rep 2,398
Posts |
tricky.
1) pay for the repairs 2) buy the car off him for something reasonable and scrap it getting back ~£150 (it will be < £680 net) 3) make him an offer as above i'd potentially go for #2 even if it is a bit of hassle, #3 is a bit rude for me |
Appreciate
0
|
05-30-2012, 07:01 PM | #20 |
Major General
695
Rep 7,308
Posts
Drives: see above.
Join Date: Apr 2005
Location: Yorkshire, UK
|
He doesn't want the repair now so will offer £500 or buy the car at £600 I think (then scrap for £150)
__________________
|
Appreciate
0
|
05-31-2012, 02:31 AM | #21 |
Major
227
Rep 1,489
Posts |
what a palava for a minor bump - currently going through the same process.
my thoughts are that Id just offer him £500 and be done with it. Clearly the £500 is worth more to him in his hand than the repair of the car - if he wants to actually repair it then he'll shop around to get a cheaper price to get all the bits done, either way he is up in the pocket, and your not claiming through insurance. ive just offered my guy £350 which he has said yes to, I know full well I'll see the car driving about with the dent still in it, but he's £350 up so its up to him what he does with it. |
Appreciate
0
|
05-31-2012, 08:38 AM | #22 |
Major General
695
Rep 7,308
Posts
Drives: see above.
Join Date: Apr 2005
Location: Yorkshire, UK
|
It is - especially when the damage is so minor. I've offered £500 so will see what the response is.
__________________
|
Appreciate
0
|
Bookmarks |
|
|