mackdaddy

I agree with Bengie.

For your car - take it to an accident repair garage they'll say if there is any further damage and if they can repair the bumper or spray up a new one.
£150 ish for repair £300 ish for new sprayed bumper.
£500 for replacement Renault....

__________________
Who needs the Nurbergring when you live in the Peak District

KenONeill

£500 for an R19; £50 would be more like it. They are cheaper than car hire!

justinbarrow

Thanks everyone for the advice, It did cross my mind if the renault was already damaged but i suppose its to late now.

Anyway i contacted my insurance to tell them they were ok just said dont worry cars can be replaced and asked if i wanted my car repaired i told them that i had a scratched bumper and taking it to be independantly checked which im doing after i finish this post they said if i did decide to gt my car repaired i would have to pay my £250 excess, but if not i wouldnt have to pay any even though i am imforming them it was my fault. (Which they asked me if it was me at fault)

I have left it with them, then i get a phone call off the woman that i hit saying if i had contacted my isurance i said yes then she said how she woke up this morning with a bad back and sore neck and has been to her GP this morning and how her husband had to bend the panel further as it was scrubbing on her front wheel then how her radiator was pouring out water (no water at the scene of the crash) and both cars were driven away.

I knew it would be a case of making it look worse i told her that they would write it off anyway being so old, then she says she cant work because of the pain.

I just left it with her but i knew that a personel injury claim against me would be coming

Just awaiting a letter from her legal people now

The insurance asked me if there were any injuries and i said no but that was at the time, I wished they were driving an octavia then it would be just a case of a few touch up pens for the 2 cars!

Rigt im off to get the car checked over so will post back when i get in and let you all know whats what.

justinbarrow

Forgot to add, my insurance asked me if i was employed which i replied not at the moment because of a familly death (one of the reasons why my mind wasnt thinking at the time of accident)

Why do they ask this? whats the difference then they asked if i was on any tablets that would affect my driving ability which i am not...Just seemed a bit strange or is it just they way they work.

Cheers

KenONeill

Seems odd to me; I've never been asked either of those questions ref a shunt, either as a principal or as a witness, and I've done both more than once.

Captain Sisko

Ouch

Dont forget its an R19 hitting a car with a more modern design.

I had a similar crash back in 2005.
Pulled out in my 1995 Astra and it was then hit square in the wing by a 1993/1994 Fiesta mk3
The Fiestas front was dented in.
Mine took the brunt and the car wouldnt move afterwards and needed recovery.
Got written off for £1k but had a £400 excess to pay.

Luckily I didnt have no personal injury claims!!!
hope it all gets sorted for you though.

__________________
98 Felicia 1.6 GLXI 109000 miles

Bigw2069

Sounds like the insurance co looking for a way to wriggle out of the claim.

Are you employed(and more probably were you on duty at the time of the accident) and if the answer was yes and your policy did not cover commuting/work activities then they could have avoided the claim and just put you through as uninsured.

And if you had any drugs/alcohol the same would probably apply, a clause in most policies does this, especially if the drug (legal) has a warning like: Do not operate heavy machinery/drive etc.

As long as you answered no then I'm sure you'll be fine.

__________________

justinbarrow

I am covered for social domestic including communting the accident happened when i wouldnt of been at work anyway. I have been off for over a month due to berevment and stress so thats why i answered im not in work at the moment.

Like already stated it seems odd that they asked the question after all what difference would it make.

Anyhow i got the car into a body shop today and its all clear no damage whatsoever got the 4 wheel tracking done and its all spot on.

On the innerside of the bumper where the renault made impact on my front bumper is just a space where the horn siren is and that also works fine. The only thing is the scratches on the bumper and one of the clips that hold it true inline with the front wing is slightly bent.

I got a quote to sort my bumper out including spraying and re-aligning it with the front wing and they quoted £80 + VAT.

Stuart_J

Keep plenty of piccies of your car & ask your Insurance co if they want them. It might help proove how light the Impact was & stop any "exagerated" claim on her part. Also tell your Insurance co what the woman said this morning. Then hand it all to your Insurance co & if she contacts you again DONT enter into any conversation, just refer her to your Insurance company, thats what you pay your money for. They will have to settle any claim & they prefer to be in total control of any information exchanged .

Re the £80 quote + vat, that sounds like 70 cash to me

__________________
Speed is an addiction for which thankfully there is no cure

gadgetman

If you havent, report the crash to the police.

People tend to feel better when the police ask them for a statement

__________________
Lick the window of life

Why not join the Briskoda Last.fm group?

justinbarrow

Thanks for all this guys, as above wouldnt it be to late to report it to the police now? if not i will, I didnt like the fact that she didnt want the police involved.

Thanks again

gadgetman

Nope, still report it. They will then go round to hers to get a statement from her. Many injuries will vanish at this point

Any wittnesses, even if you did say it was your fault, they could substantiate any injuries or lack of.

__________________
Lick the window of life

Why not join the Briskoda Last.fm group?

ROI354

I might be wrong here but why would you even declare that you have any damage

Just let the insurance pay out for the 19 and leave yours as it is. If youre that bothered and cant polish most of it out then get it painted. So what if the reinforcement bar is bent or other bits? Does it really matter that much? Its clearly not done anything detrimental to the structural rigidity of the car as it looks fine and the bumper isnt hanging off or anything.

I'd leave it personally but its up to you of course

Lex Dysia

More reason to get them involved, I hit someone once and they didn't want police involvement. I went to police anyway and it transpired that they didn't have insurance Helped my case a lot, even though I was at fault they shouldn't have been there to hit in the first place so it didn't effect my no claims as my car didn't have much damage I didn't claim and they couldn't

__________________
Upper & Lower S3 Strut braces-Forge FMDV006 DV-PiperX panel filter-Whiteline adjustable rear arb-Superpro Dogbone, Control arm & Front ARB bushes-LCR Splitter-Milotec Grilles-Golf MK4 Aero wipers-KVW100-Cruise Control-Parking Sensors-18" RS8 Alloys-N75H-Revo Stage 1 TO DO: Blueflame turbo back-Seat & Door Card Leather trim and a respray.

cheezemonkhai

Renault 19 = thin old car with not much weight built to older designs.

Your car = Much more modern design hit at one of it's strongest points.

As for you car, that amount of damage is tiny, so I'd get the bumper off and check for damage and either respray of just polish it out if ith's that minor.

Your insurance will load you less if you don't claim yourself and just the third party does.

That plus if your excess is anything significant you will be able to replace the bumper for less than that.

FWIW now you insurance are involved I'd suggest that you only get whiplash from a rear end or side impact.

If she could drive the car away then obviously some of her stories are crap and I'd press your insurance company to fight your corner a bit as it sounds like she is going for fraud.

Whiplash, massive damage to the car and none to yours... very very suspect.

Have you got her reg plate, I'm just wondering if she has insurance and a valid MOT/Licence.

Having had a bit of a bang in a citroen BX at the front which was of a similar build to the R19 as it's from the same age, it didn't fall apart like this seems to have done.

Just so you know, if you ask your insurance co how much the claim cost and pay them it back IIRC they can't load you for it.

So if total cost of £500 including a payment to shut her up, then pay your ins co £500 and it should be as if you didn't claim

__________________
Cars make CO2 and trees absorb CO2. By driving your car you're feeding a tree and helping the environment.

justinbarrow

Cheers for this, i have her reg number and it was on the insurance database as insured as for valid license and mot i dont know.

If i told the police about this now would they do me for not reporting it sooner or driving without due care etc.

A headache - If she does get paid out for the whiplash then i wouldnt be able to pay back my insurance that amount of money but maybe the cost of the r19.

My brother in law also wonders if it already been damaged as my car is untouched compared to hers then when she said her husband had to pull of the side wing and bend in the front bumper just seemed wierd as i checked and nothing was rubbing anything.

I suppose its just the way we are if there is blame then they claim

Used cutting polish on my bumper and its come up a lot better the scrapes wernt even as bad as it transpired that it was plastic from the r19 so most of it peeled off so i am happy about that.

What a strong car though the skoda octavia is.

justinbarrow

Forgot to mention my inurance wernt even bothered about it when i asked them if they needed the pics of my damage, i wished they could see them.

cheezemonkhai

I would insist on sending them to them via e-mail as i think with that little damage to your car from a side on they will be asking questions about how you destroyed a R19.

Also take some pictures post polishing it out and send them too.

The r19 isn't strong but it shouldn't have fallen to pieces as bad as she is claiming. It sounds like they have enhanced the damage to get the car written off if you ask me and are claiming whiplash too.

You probably can't do much about the whiplash as it's hard to prove, but I had to undergo 9 months of physio from a large shunt and only got what would be deemed a sensible amount by the court. (Circa £2k).

With that little damage to your car, she can't have been going that fast and I would be wanting to see a medical report by a doctor of your choosing or agreed by insurance co's.

Also it would be much easier to proved the other car isn't road worthy than the whiplash.

WRT the police, no you reported it within 7 days and initially thought it would all be fine, but as soon as you found out she was "injured" you reported it to them

__________________
Cars make CO2 and trees absorb CO2. By driving your car you're feeding a tree and helping the environment.

gadgetman

Exactly.

__________________
Lick the window of life

Why not join the Briskoda Last.fm group?

mrmo

re the police thing, i was t-boned whilst on my bike by some ****** in an imprezza, went to the police station and they said, no one hurt don't worry about it. But if anything comes to light in the next few days come and make a report.

The only exception to this was if it was a hit and run.