Thread: Need advice for a friend? Help


Forum: General Chat

Afternoon, A friend reversed into a BMW 3 series (old shape) a couple of weeks ago in his wife's car. Unfortunately when he checked his insurance docs he wasnt insured. So the other party have gone through their insurance and reported him. The front driver door was hit. The other party's insurance company have got in contact with my friend and said he will be billed for all costs which he has agreed to pay. Just wanted some advice on if its possible for him to try and make the

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  1. #1
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    Need advice for a friend? Help

    Afternoon,

    A friend reversed into a BMW 3 series (old shape) a couple of weeks ago in his wife's car. Unfortunately when he checked his insurance docs he wasnt insured. So the other party have gone through their insurance and reported him. The front driver door was hit.

    The other party's insurance company have got in contact with my friend and said he will be billed for all costs which he has agreed to pay.

    Just wanted some advice on if its possible for him to try and make the eventual bill minimum, what can he do? he's worried that he might be left with a heavy bill.

    Also, is it possible to pay the insurers back in instalments?

    Any advice will be appreciated.

    ta



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    Re: Need advice for a friend? Help

    Pray the local plods don't get to find out or he'll get hit with a 'driving without insurance' rap.

    Try an appeal to the other driver because if he/she can be persuaded to ask for three quotes from reputable repairers who are told it's NOT on insurance, the bill will likely be a lot less with no loss of quality.

    Plead 'genuine mistake'.

    Beamers aint cheap to fix though and instalments are probably unlikely - sorry

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    Re: Need advice for a friend? Help

    the other driver isnt co-operating and wants to sort all matters with insurers.

    friend has no choice but to pay but is scared of the heavy bill

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    Re: Need advice for a friend? Help

    OMG The Dentist check your beemer for marks and dints .
    Last edited by miggy; 13th March 2012 at 16:53.

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    Re: Need advice for a friend? Help

    Only thing I can think of is the somewhat risky option of refusing to deal with the other drivers insurance company. Other driver has the right to have them manage the claim - your friend has the right to not enter into the discussion and insist on reviewing the costs.

    If your friend could show that the car could be returned to it's condition pre-bump for less then the insurance company will struggle to make the bill stick.

    Both insurance company and other driver will be reluctant to pursue it through the court as it will just get messy and they might lose.

    Somewhat risky option though

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    Re: Need advice for a friend? Help

    Quote Originally Posted by rafter_01 View Post
    Afternoon,

    A friend reversed into a BMW 3 series (old shape) a couple of weeks ago in his wife's car. Unfortunately when he checked his insurance docs he wasnt insured. So the other party have gone through their insurance and reported him. The front driver door was hit.

    The other party's insurance company have got in contact with my friend and said he will be billed for all costs which he has agreed to pay.

    Just wanted some advice on if its possible for him to try and make the eventual bill minimum, what can he do? he's worried that he might be left with a heavy bill.

    Also, is it possible to pay the insurers back in instalments?

    Any advice will be appreciated.

    ta
    Mate I don't want to upset you but this third party person maybe lucky and get a second hand door for £50/100 pounds. The problem then is the spraying if the car is metallic then the full side of the car will need spraying to blend in. I would say at a rough guess it could be close to a £1000 to put it right BMW's are not cheap. Can you see now why this guy wants to safeguard himself so it is all done properly and legally. Sorry to disappoint you mate but that's the facts.

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    Re: Need advice for a friend? Help

    Any further circumstances? Private property is often knock-for-knock. I know you've not said the position of the door, but colliding with an open door is normally the fault of the vehicle with the open door (classed as not being in control of the vehicle).

    That he appears to have accepted liability is unfortunate. He should check if he has any legal cover under his insurance, mortgage, union etc. These should be able to advise him whether he can withdraw (resile) the admission of liability - and whether this is actually advisable.
    Last edited by little_pob; 13th March 2012 at 17:19.
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    Re: Need advice for a friend? Help

    Quote Originally Posted by little_pob View Post
    Any further circumstances? Private property is often knock-for-knock. I know you've not said the position of the door, but colliding with an open door is normally the fault of the vehicle with the open door (classed as not being in control of the vehicle).

    That he appears to have accepted liability is unfortunate. He should check if he has any legal cover under his insurance, mortgage, union etc. These should be able to advise him whether he can withdraw (resile) the admission of liability - and whether this is actually advisable.
    Just spoke to him, he said he's verbally agreed liability. He's received a letter today stating that the other party is claiming compensation and they would like him to sign the letter. WTH , the car was parked on a 'keep clear' area, no one in the car. The driver of the other vehicle was male but all the letters just show his wife's name.

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    Re: Need advice for a friend? Help

    To be honest he really needs to speak to a solicitor, or at least the CAB.
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    Re: Need advice for a friend? Help

    And certainly not sign anything - legal advice is top of the list ...



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