my car has been in an accident.

smstext · 06-07-2008, 20:19

I was hit by a woman driver earlier who decided she needed to drive down the middle of the road. after swerving up the kerb with brakes on she managed to break the o/s mirror casing and dent the plastic on it too. not to mention the damage to the alloy when hitting the kerb.

Now my insurers are closed till tomorrow morning, just wondering what will now happen as i dont see why the garage will need the car in for a week when the only painting will be a new wing mirror cover and housing + alloy. im also annoyed as the front tyres are the faulkins 452's and have done around 1k miles so when they replace the alloy i dont want some cheap rubbish put on it.

any advice i have 2 pics for you all.

Gizmo68 · 06-07-2008, 20:34

I can't make out if the tyre is cut, but if not then why would they change it?

No reason why the car can't be repaired in half a day (they will probably need to give the wheel and tyre to someone to get the tyre swapped over, do any dealers actually fit tyres themselves?)

**mannyo** · 06-07-2008, 20:39

from what I can see in those pics, you need an alloy wheel repair (£50 or so), and a new indicator for the mirror housing (£25ish). So you should be all sorted for about £75 which is most likely less than your insurance excess.

Gizmo68 · 06-07-2008, 20:49

Quote:

Originally Posted by mannyo

which is most likely less than your insurance excess.

This isn't an issue - providing you have the womans insurance details.

Taxi 219 · 06-07-2008, 20:52

Oh damn sorry to see that.
Hope you get it sorted ok.

smstext · 06-07-2008, 21:33

it could have been worst so sinister sheep has told me, but it annoys me more that their are idiots out there who can drive like how they do. i will see what the insurers say tomorrow. i would rather have the wheel replaced now as its taken a hard bang. there is no damage to the tyre from what i can see (thankfully the rims have that thick protector thing). the black painted cover of the wind mirror is slightly domed in if the light catches it right and the mirror is a bit out of place too.

Tomo1971 · 06-07-2008, 21:37

Will there be a way of getting the insurance to note the "possible" damage to the tyre and suggest that if it were to give out prematurley then its on their heads and responsibility. I'm sure this way that you will be getting a new one!

Steve

**mannyo** · 06-07-2008, 21:38

The outer cover of the mirror just clips in. I had a simillar issue when I struck an imovable object, it just needs to be reseated correctly.

I dont think the insurance company will replace the wheel, from past experience if it can be repaired it will be hence my earlier comment. If you drive the car and you get no wheel wobble or vibration then the wheel itself is fine, albeit with a cosmetic fault. You could take it to a local tyre place and have them check the balance and true running. They can also remove the tyre and inspect it, most likely for little cost.

Did you get the other parties insurance details or did she drive off?.

smstext · 06-07-2008, 22:23

i got her details after she first refused, but with the persuation of ringing the police she gave me the details as a named driver on her mothers policy. i have used askmid to check the car is insured and can only now wait for the insurance company to open in the morning.

Captain Sisko · 06-07-2008, 22:39

She refused to give her details?
I'd have taken her reg number then let her before reporting it to the police and insurance comapny.

But hopefully it all gets sorted out.
Glad there were no injuries though.

**VRStu** · 06-07-2008, 22:48

IMHO you would be better to aproach her with an estimate for a new wheel and the repair to the mirror casing. This will make things better for both of you.

She won't have her insurance problems and IMHO you are better if you can avoid calling yours. If you call yours and make a claim they will settle the claim and then track her company for the funds, if for some obscure reason they don't settle then I am afraid you are left holding the baby - Been there myself many years ago, fortunately I had legal protection but that's another story. There is a nasty little question on insurance proposals which goes along the lines of 'have you been involved in an accident in the last 5 years', to which you will have to answer yes - Bingo, bend over sir!!!

I think if you give her a call and say in the cold light of day the damage isn't too bad and that if she would prefer to give you say £175 for a wheel and tyre fitting plus whatever the cost of the mirror is I dare say she'll do it as it's probably a figure close to her excess. Make sure you get the dollar up front though before ordering parts.

Gizmo68 · 06-07-2008, 22:52

Don't forget to get the tracking checked as well.

It could easily of been knocked out of line.

Fezboy · 06-07-2008, 22:58

Quote:

Originally Posted by VRStu

There is a nasty little question on insurance proposals which goes along the lines of 'have you been involved in an accident in the last 5 years', to which you will have to answer yes - Bingo, bend over sir!!!

See if you can get the money from her first.

I found this out when I had a no blame claim in 2001.

My insurance company told me "Even though it's not my fault statistically in the next year I was more likely to be involved in an accident"

My insurance renewal was £100 more 3 months later

smstext · 06-07-2008, 23:13

this is what has been driving me mad knowing it not my fault and the fact she has damaged her wing mirror (totally off) she reckons that i am the one to blame. im with directline who do protect against uninsured but this has peed me off as i know that this will have to be mentioned on all quotes for the next 5 years.

Skodaboy1983 · 06-07-2008, 23:19

sorry to hear that mate, you have a cracking car.

davy

smstext · 06-07-2008, 23:35

i have a feeling her mother might make contact with me as her insurance will now rocket as she was young and in her work uniform. i reckon she was actually on her mobile.

smstext · 07-07-2008, 10:26

have spoken to the insurers they are happy with what i have had to say and said that as far as they are concerned the claim will be met by the womans insurance and that it wont affect my policy in any kind of way. i also pointed out that if i hadnt taken the evassive action i took by swerving up the kerb that a new front wing, bumper etc would also have been included and would drastically push up the cost. now awaiting for hire car and the garage to ring me as they dont really want the car driven if the alloy has been involved in an accident and i have been told the tyre will be replaced with the same make and model tyre to what is already on there.

apd007 · 07-07-2008, 10:36

Bit of a pi$$er for you but a) at least she stopped and b) sounds as though you'll be covered fully by her insurance.

Ah well, at least no one was hurt and the damage is relatively minor. Shame you can't get the car written off then go and buy yourself a vRS

.

**VRStu** · 07-07-2008, 10:37

Lets just hope it turns out that she was insured to drive her mothers car then eh.

smstext · 07-07-2008, 10:43

Quote:

Originally Posted by VRStu

Lets just hope it turns out that she was insured to drive her mothers car then eh.

the insurers are happy that she was driving as they did an insurance check to see she was a named driver on the policy and are happy with that. wondered how her mothers reacted to it.

Quote:

Originally Posted by apd007

Shame you can't get the car written off then go and buy yourself a vRS

.

no i dont want my baby written off. but then 10/10 for trying mate

smstext · 07-07-2008, 12:14

update, its in for the estimiate tomorrow, i should then find out how long it will take and what will need to be done.

postmanpat · 07-07-2008, 12:56

Hope it all goes smoothly, and no 50/50 nonsense starts being bandied about by the insurers

gillywibble · 07-07-2008, 13:00

Good luck mate.

sinister sheep · 07-07-2008, 13:06

Quote:

Originally Posted by postmanpat

Hope it all goes smoothly, and no 50/50 nonsense starts being bandied about by the insurers

nope he wont accept that and will exercise his legal protection on his insurance.

Loz · 07-07-2008, 13:07

Quote:

Originally Posted by VRStu

There is a nasty little question on insurance proposals which goes along the lines of 'have you been involved in an accident in the last 5 years', to which you will have to answer yes - Bingo, bend over sir!!!

Not strictly true really. Yes they do ask that question, and it's alomost impossible to answer it as 'yes but it wasn't my fault' but it can be done. I put my friend Wayne on my insurance, he's 24 and has a couple of months previously written off his car, but it wasn't his fault. the entire claim came off the other driver's policy so it had no effect whatsoever. He also had a good few points on his licence and it only cos me an extra £3.15 to have him on my policy for a year fully comp lol!

Glad to hear it's going ok so far

06-07-2008, 20:19	#1
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 9,421 Thanks: 11 Thanked 288 Times in 262 Posts	my car has been in an accident. I was hit by a woman driver earlier who decided she needed to drive down the middle of the road. after swerving up the kerb with brakes on she managed to break the o/s mirror casing and dent the plastic on it too. not to mention the damage to the alloy when hitting the kerb. Now my insurers are closed till tomorrow morning, just wondering what will now happen as i dont see why the garage will need the car in for a week when the only painting will be a new wing mirror cover and housing + alloy. im also annoyed as the front tyres are the faulkins 452's and have done around 1k miles so when they replace the alloy i dont want some cheap rubbish put on it. any advice i have 2 pics for you all. __________________ Oxon Meet Feeler 2009 please add your input, click here

06-07-2008, 20:34	#2
Gizmo68 Briskodian Join Date: Dec 2004 Location: Hawkinge Kent Posts: 1,264 Thanks: 15 Thanked 75 Times in 72 Posts	Re: my car has been in an accident. I can't make out if the tyre is cut, but if not then why would they change it? No reason why the car can't be repaired in half a day (they will probably need to give the wheel and tyre to someone to get the tyre swapped over, do any dealers actually fit tyres themselves?)

06-07-2008, 20:39	#3
mannyo BRISKODA Staff Join Date: Nov 2002 Location: Stevenage Herts. Posts: 11,442 Thanks: 56 Thanked 357 Times in 329 Posts	Re: my car has been in an accident. from what I can see in those pics, you need an alloy wheel repair (£50 or so), and a new indicator for the mirror housing (£25ish). So you should be all sorted for about £75 which is most likely less than your insurance excess. __________________ Manny 2005 Octavia 2.0TDi Elegance combi my skoda website http://www.octaviars.co.uk Join the briskoda.net folding team click Here for more info

06-07-2008, 20:52	#5
Taxi 219 Not anymore Join Date: Oct 2007 Location: Bournemouth Posts: 2,227 Thanks: 101 Thanked 108 Times in 105 Posts	Re: my car has been in an accident. Oh damn sorry to see that. Hope you get it sorted ok. __________________ Car now: 56 Octavia MK2 1.9TDi Ambiente-Debadged-Metallic Flamenco Red DMF Reqiured soon Previous: 06 Octavia Mk1 1.9TDi Classic with + pack-Diamond Silver Sadly missed: 97 Nissan Primera 2.0TDi SLX- Red Paul I only live for GTA IV

06-07-2008, 21:33	#6
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 9,421 Thanks: 11 Thanked 288 Times in 262 Posts	Re: my car has been in an accident. it could have been worst so sinister sheep has told me, but it annoys me more that their are idiots out there who can drive like how they do. i will see what the insurers say tomorrow. i would rather have the wheel replaced now as its taken a hard bang. there is no damage to the tyre from what i can see (thankfully the rims have that thick protector thing). the black painted cover of the wind mirror is slightly domed in if the light catches it right and the mirror is a bit out of place too. __________________ Oxon Meet Feeler 2009 please add your input, click here

06-07-2008, 21:37	#7
Tomo1971 Briskodian Join Date: Jan 2008 Location: Fife, Scotland Posts: 580 Thanks: 13 Thanked 36 Times in 35 Posts	Re: my car has been in an accident. Will there be a way of getting the insurance to note the "possible" damage to the tyre and suggest that if it were to give out prematurley then its on their heads and responsibility. I'm sure this way that you will be getting a new one! Steve __________________ My Car - 2007 Octavia vRS TDI in Diamond Silver-Cruise Control-Parking Sensors-Light Assisit/Auto Wipers-Bluetooth-Jumbo Pack For Work - 2004 Landrover Freelander TD4 Commercial - Owned and run by me Something for Weekend - My Bed

06-07-2008, 21:38	#8
mannyo BRISKODA Staff Join Date: Nov 2002 Location: Stevenage Herts. Posts: 11,442 Thanks: 56 Thanked 357 Times in 329 Posts	Re: my car has been in an accident. The outer cover of the mirror just clips in. I had a simillar issue when I struck an imovable object, it just needs to be reseated correctly. I dont think the insurance company will replace the wheel, from past experience if it can be repaired it will be hence my earlier comment. If you drive the car and you get no wheel wobble or vibration then the wheel itself is fine, albeit with a cosmetic fault. You could take it to a local tyre place and have them check the balance and true running. They can also remove the tyre and inspect it, most likely for little cost. Did you get the other parties insurance details or did she drive off?. __________________ Manny 2005 Octavia 2.0TDi Elegance combi my skoda website http://www.octaviars.co.uk Join the briskoda.net folding team click Here for more info

06-07-2008, 22:23	#9
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 9,421 Thanks: 11 Thanked 288 Times in 262 Posts	Re: my car has been in an accident. i got her details after she first refused, but with the persuation of ringing the police she gave me the details as a named driver on her mothers policy. i have used askmid to check the car is insured and can only now wait for the insurance company to open in the morning. __________________ Oxon Meet Feeler 2009 please add your input, click here

06-07-2008, 22:39	#10
Captain Sisko Friskodian Join Date: Nov 2007 Location: Deep Space 9 Posts: 2,394 Thanks: 43 Thanked 135 Times in 132 Posts	Re: my car has been in an accident. She refused to give her details? I'd have taken her reg number then let her before reporting it to the police and insurance comapny. But hopefully it all gets sorted out. Glad there were no injuries though. __________________ 98 Felicia 1.6 GLXI 110500 miles Clickable for "boring" info

06-07-2008, 22:48	#11
VRStu Txt Spk Police Join Date: Dec 2004 Location: Hampshire Posts: 20,763 Thanks: 142 Thanked 987 Times in 884 Posts	Re: my car has been in an accident. IMHO you would be better to aproach her with an estimate for a new wheel and the repair to the mirror casing. This will make things better for both of you. She won't have her insurance problems and IMHO you are better if you can avoid calling yours. If you call yours and make a claim they will settle the claim and then track her company for the funds, if for some obscure reason they don't settle then I am afraid you are left holding the baby - Been there myself many years ago, fortunately I had legal protection but that's another story. There is a nasty little question on insurance proposals which goes along the lines of 'have you been involved in an accident in the last 5 years', to which you will have to answer yes - Bingo, bend over sir!!! I think if you give her a call and say in the cold light of day the damage isn't too bad and that if she would prefer to give you say £175 for a wheel and tyre fitting plus whatever the cost of the mirror is I dare say she'll do it as it's probably a figure close to her excess. Make sure you get the dollar up front though before ordering parts. __________________ Stu Stu's Websites - http://www.fabia-vrs.com & http://www.octavia-vrs.com Stu's Car - 2008 Audi S3 - Ibis White, Black Optics Pack, Privacy Glass, Auto Bi Xenon Headlights, Rain Sensing Wipers, Bose Sound System, Ipod Prep, GSM Phone Prep, Flat Bottom Multi Function Steering Wheel, Electric Folding Mirrors, Acoustic Parking, Cruise Control, Interior Light Pack, Non Smokers Pack. SWMBO's Car - 2008 Seat LEON TDi Stylance, Black Magic, Sports Pack, Rear Parking Sensors. Something for Weekend - A Patio

06-07-2008, 22:52	#12
Gizmo68 Briskodian Join Date: Dec 2004 Location: Hawkinge Kent Posts: 1,264 Thanks: 15 Thanked 75 Times in 72 Posts	Re: my car has been in an accident. Don't forget to get the tracking checked as well. It could easily of been knocked out of line.

06-07-2008, 23:13	#14
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 9,421 Thanks: 11 Thanked 288 Times in 262 Posts	Re: my car has been in an accident. this is what has been driving me mad knowing it not my fault and the fact she has damaged her wing mirror (totally off) she reckons that i am the one to blame. im with directline who do protect against uninsured but this has peed me off as i know that this will have to be mentioned on all quotes for the next 5 years. __________________ Oxon Meet Feeler 2009 please add your input, click here

06-07-2008, 23:19	#15
Skodaboy1983 Skoda Junkie! Join Date: Apr 2007 Location: East Lothian Posts: 9,565 Thanks: 379 Thanked 263 Times in 255 Posts	Re: my car has been in an accident. sorry to hear that mate, you have a cracking car. davy __________________ 05 Lemon Yellow Fabia vRS, PD160, Green cotton filter, Stripes and B pilar Graphics, Cupra Splitter, Aero Wipers, Rear Number plate surround, silvertec indicators, and led side lights, Forge Strut Brace, Black vRS Alloys, Whiteline ARB!! Soon to come: A wee nip and tuck, fresh look

06-07-2008, 23:35	#16
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 9,421 Thanks: 11 Thanked 288 Times in 262 Posts	Re: my car has been in an accident. i have a feeling her mother might make contact with me as her insurance will now rocket as she was young and in her work uniform. i reckon she was actually on her mobile. __________________ Oxon Meet Feeler 2009 please add your input, click here

07-07-2008, 10:26	#17
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 9,421 Thanks: 11 Thanked 288 Times in 262 Posts	Re: my car has been in an accident. have spoken to the insurers they are happy with what i have had to say and said that as far as they are concerned the claim will be met by the womans insurance and that it wont affect my policy in any kind of way. i also pointed out that if i hadnt taken the evassive action i took by swerving up the kerb that a new front wing, bumper etc would also have been included and would drastically push up the cost. now awaiting for hire car and the garage to ring me as they dont really want the car driven if the alloy has been involved in an accident and i have been told the tyre will be replaced with the same make and model tyre to what is already on there. __________________ Oxon Meet Feeler 2009 please add your input, click here

07-07-2008, 10:36	#18
apd007 Oops! :( Join Date: Aug 2006 Location: The 2nd biggest city in the whole of England. Posts: 3,041 Thanks: 55 Thanked 66 Times in 55 Posts	Re: my car has been in an accident. Bit of a pi$$er for you but a) at least she stopped and b) sounds as though you'll be covered fully by her insurance. Ah well, at least no one was hurt and the damage is relatively minor. Shame you can't get the car written off then go and buy yourself a vRS . __________________ Support Briskoda join Freedom ======> Was :- Skoda 120LSE Yellow 1.2 ~ 60 BHP? Then :- Mk I Skoda Octavia Blueline 1.9 TDi 90 BHP. Now :- Mk II Skoda Octavia vRS Black 2.0 TFSI. 200 BHP.

07-07-2008, 10:37	#19
VRStu Txt Spk Police Join Date: Dec 2004 Location: Hampshire Posts: 20,763 Thanks: 142 Thanked 987 Times in 884 Posts	Re: my car has been in an accident. Lets just hope it turns out that she was insured to drive her mothers car then eh. __________________ Stu Stu's Websites - http://www.fabia-vrs.com & http://www.octavia-vrs.com Stu's Car - 2008 Audi S3 - Ibis White, Black Optics Pack, Privacy Glass, Auto Bi Xenon Headlights, Rain Sensing Wipers, Bose Sound System, Ipod Prep, GSM Phone Prep, Flat Bottom Multi Function Steering Wheel, Electric Folding Mirrors, Acoustic Parking, Cruise Control, Interior Light Pack, Non Smokers Pack. SWMBO's Car - 2008 Seat LEON TDi Stylance, Black Magic, Sports Pack, Rear Parking Sensors. Something for Weekend - A Patio

07-07-2008, 12:14	#21
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 9,421 Thanks: 11 Thanked 288 Times in 262 Posts	Re: my car has been in an accident. update, its in for the estimiate tomorrow, i should then find out how long it will take and what will need to be done. __________________ Oxon Meet Feeler 2009 please add your input, click here

07-07-2008, 13:00	#23
gillywibble Cuthbert Dibble Join Date: Apr 2006 Location: Watching Tom peeping at Lady Godiva. Posts: 7,001 Thanks: 229 Thanked 254 Times in 214 Posts	Re: my car has been in an accident. Good luck mate. __________________ I drink, therefore I spam.