Hit By A Total Nobber!

[criztal]

Hi Guys,

As you all must know only had my LCR now since boxing day, and a total prat hit me today. He decided it was necessary to overtake 2 cars at a junction, at the lights, when the 1st driver had flashed me to cross, and he decided to overtake on the inside , and hit me instead.

Anyway to cut a long story short, ive come away with only very slight front bumper damage, i think it will just need to be painted perhaps, any ideas on what i can expect to pay for this????????? His entire passenger side was mashed, front wing, 2 doors, and a rear bumper, very suprising to be honest.

Another thing is this prat did not accept liabilty, my mate said that as the damage proves me story i should be ok?? And experiences you guys have had would be helpful.

Really all i want to do is get my LCR back to being mint again, you think that my local dealer would do it?? How much if they would, and where can i go to get it done privately??? as ive never really had to worry about this before!!!

Many Thanks in advance for you advice!!

 

[Empi5]

M8, hopefully you have Comp Insurance ? If it is clearcut and he is at fault, then you should go through your own Insurance, and let your legal expenses claim back your excess and Uninsured Losses.

If you are thinking of just getting it repaired and sending him the bill, then you are asking for trouble.

 

[criztal]

guys,

i am fully comp, and 5 years unprotected no claims, that i would like to keep, my excess is 350, so where and how much it will cost, would be much appreciated!

My insurance have said it would be worth getting a few quotes etc,,,,,,, maybe even chips away, or someone like that may help?? It needs paint along the top of the number plate, and down just above the front splitter, do i need to get the whole bumper sprayed??

Let me know your thoughts please, as tonight i dont think im gonna sleep!!!!

(as you can tell, im totally gutted)

Thanks guys

 

[WeeJase]

the guy flashed you across?i wouldn't admit liability either.

 

[cupra R con]

Hmmm, the guy is obviously going to try & claim regardless of blame, so don't think you can just pay out of your pocket & keep the NCB.
if a claim goes through you might as well get it done at a seat dealer & worry about his NCB instead.
but as you said its the front bumper that was damaged, i would say he would be the one with the law on his side unless there were witnesses

 

[andycupra]

think we need some clarification on what happened..

as i read it you were turning right and hit someone who was going straight on?

you say he was overtaking 2 cars... do you mean undertaking?
the car that flashed you across i presume was in the 'straight on lane'.

was the person who hit you/ you hit in a left turn only filter lane or was it another straight on lane?

having said that, if it was a straight on or left turn lane i do think you will have problems with blame.

Sad but true, just because someone has flashed you across, you are still liable for your manouver.
If somone flashes me i always treat it like a give way junction, ie stop and check its clear before driving on.

At the end of the day, although not much help, the person who flashed you cocked up.
The only time i flash is if its a single lane as thats the only way you can be sure that you can allow them across. - and even then you need to be aware of any motor/bikes that may come past.

Its not what you want to hear, but the simple facts, (and the insurance will look at the simple facts only) are that you turned right and hit someone.

One option however may be go for knock for knock. as it sounds like yours could be cheaper to repair than go through the insurance in long term.
If you got knock for knock id say you got a result.

 

[stuart_hatch]

Also remember that even crashes that arnt your fault will put up your insurance renewal quote (remember the question, "have you had any accidents in the last 5 years REGARDLESS OF FAULT"

I would assume you would probably need a full bumper respray which shouldnt cost too much (i just got quoted £130 for a full bonnet and top of wing respray)

 

[nej]

Remember the highway code states (I think!) that flashing your lights should only be used as a warning.

The idiot who hit you could claim that in his defence ("somebody flashed him to warn him I was coming, but he drove across the junction anyway and straight into my path").

Just a thought, but sounds like you are in the right.

 

[225]

Did this other bloke stop as well and could you use him as a witness?

 

[Hicks]

At the end of the day, although not much help, the person who flashed you cocked up.
The only time i flash is if its a single lane as thats the only way you can be sure that you can allow them across. - and even then you need to be aware of any motor/bikes that may come past.

Have to agree. In this situation it's best to just ignore the person that's flashed, and obey the highway code.

 

[Molehill_Mike]

Just another comment, I had a little knock in the Beeza, only seemed like a little front bumper damage, on closer inspection my headlight was knackered, as was my grill and my bumper has major scrapes.

Just an idea to check the car thoroughly, not just assume what you can see is the only damage...

Mike

 

[d9set]

Hi Mate,

Be careful, i had a small bump sounds like something similar to yours, but i damaged the headlights.

When you looked at the car it didnt look to bad, but when it got repaired they replaced bumper 2x headlight, badges and bumper carrier. Total Cost £1700!!!

But the repair is top job you cant tell anything happened.

And today someone ran into the back of me in traffic so will be doing the rear the same.
Bumper only looks scratched, but been told new bumper carrier, number plate lights, so will prob be over a grand again.

Get it checked out , you wont believe what they find.

The guy who had had accident with said it wasnt his fault but just left the insurance to argue about it, got a letter saying all sorted and no excess or loss of ncb.

Cheers


VERN, sorry mate only had car 8 month and 2 x accidents

 

[Boqueron]

Was in a similar situation a while ago. This might be useful to know:

According to the highway code...

FLASHING OF LIGHTS ONLY MEANS THAT YOU WISH ANOTHER DRIVER TO BE AWARE OF YOUR PRESENCE.

Just like the horn.

I know that lights are used in various ways in reality, but this info saved me some money so I thought I'd share.

 

[d9set]

dont forget mate,

Let the insurance sort it out, dont try and sort with this guy because when he gets home he will be told by all mates and family to admit nothing.

You pay a large amount for your insurance let them work for you.
They wont pay out if they can get away with it.

Good Luck

Im with Direct line, Cant fault them very good , courtesy car all the tim emine was away getting repaired.

 

[Ant FR]

i know it sounds silly mate, but even if you got in your car and drove down the road on the wrong side of the road and dliberately ht someone, you should never admit liability. all the insurance comapnies state this in your policy info. And i have heard scary stories of geting your policy voided in extreme circumstance if you admit liability straight out. I think it all boils down to the legal part of it if it goes to court for damages etc etc. not sure, maybe a lawyer could comment better, any on here.

Although saying that the bloke who hit me a few years back admitted liability straight away, but then i did lose it a bit which may have swayed him.....lol

 

[criztal]

hi guys,

Heres a quick update, spoke to my insurers, privelage, and they have said on a good day this claim will go 50/50, so im gonna bother with doing this through my insurance, and having the car repaired privately.

Im using a company called Pentagon (same as the window tinting, different workshop etc,,,,,) as they are the approved bodyshop for HR OWEN, in london.

Ive used them previoulsly on me Audi S3, and they have done a very good job.

Chap came round yesterday to give me a qoute to repaint the front bumper, works out at 200, to include hire car etc,,,,,, seems pretty fair to me, and i know they will do a good job.

 

[Ginner]

........ ive come away with only very slight front bumper damage, i think it will just need to be painted perhaps, any ideas on what i can expect to pay for this?????????...

I had a slight bump in my LCR and thought I'd get away with a respray. It needed a new front bumper and headlight.
Cost (from local SEAT dealer):
Labour - £370
Parts - £394.27
I'm sure someone will tell me I got robbed but that's what I was quoted.

....Really all i want to do is get my LCR back to being mint again, you think that my local dealer would do it??

If they've got a body shop then yes, they will do it. But do you want them to?
I had a total nightmare with mine. I've learnt so much about resparys since, it's untrue. Flatting marks, lacquer lines, dirt in the paint, run marks, metallic stand up, Scotchbrite marks, overspray. You name it, I had it.

I guess not all dealer bodyshops are alike, but I would strongly recommend finding out who your local bodyshop specialist is that has a good reputation in the local car community. You will probably pay extra but it'll be worth it. This ofcourse depends on whether your insurance company allows you to decide who you go to.
Edit - posted this whilst you were replying above.

 

[andycupra]

hi guys,

Heres a quick update, spoke to my insurers, privelage, and they have said on a good day this claim will go 50/50, so im gonna bother with doing this through my insurance, and having the car repaired privately.

Im using a company called Pentagon (same as the window tinting, different workshop etc,,,,,) as they are the approved bodyshop for HR OWEN, in london.

Ive used them previoulsly on me Audi S3, and they have done a very good job.

Chap came round yesterday to give me a qoute to repaint the front bumper, works out at 200, to include hire car etc,,,,,, seems pretty fair to me, and i know they will do a good job.

bad news that

you say you are not going through your insurance?
what if the other guy continues to go through the insurance?
im just wondering if you will still have to pay excess etc?
it may still end up as a claim...

good luck

 

[WatchHill]

you should never admit liability. all the insurance comapnies state this in your policy info.

Completely from memory but I seem to remember there being a piece on the news about the insurance company's regulatory association saying this was a bit of an urban myth.

Did I just dream this or can anyone back me up?

 

[ChrisUK]

No photos' of the damage ?