Wife hit a 911 - bracing myself
Discussion
Yesterday on a tight street my wife lost all spatial awareness when she tried to let someone pass.
She pulled in to early and the left rear passenger door scraped against the rear right quarter of a 996 911 C2. Damage looked superficial and just paint scraped but she didn't check for dents / cracks etc.
Obviously being the good citizen she is, she left her details and the owner was very nice about it.
Just wanted to get a worst-case scenario idea of how much I might get wallet-raped? How much might a replacement rear bumper in Polar Silver be if it was beyond repair?
She pulled in to early and the left rear passenger door scraped against the rear right quarter of a 996 911 C2. Damage looked superficial and just paint scraped but she didn't check for dents / cracks etc.
Obviously being the good citizen she is, she left her details and the owner was very nice about it.
Just wanted to get a worst-case scenario idea of how much I might get wallet-raped? How much might a replacement rear bumper in Polar Silver be if it was beyond repair?
matc said:
Do you not have insurance for this kind of thing?
Indeed but if the repair cost was not too bad I would consider settling outside of insurance as I am not sure the insurance co will be particularly sympathetic to my wife hitting a Porsche - I can see her NCB being obliterated and premiums shooting up...
Legend83 said:
Ah, so they won't take into account the value paid out?
They will to a degree but not between a £1k and £3-4k claim, it's ones with personal injury or expensive write-offs that really rack up. Bear in mind though even if you have protected NCB the premium you pay will still increase due to the perceived increased risk. I.e. if the base premium now is £1000 with 65% NCB then next year it could go up to say £1200, but with the same 65% NCB applied.I can understand doing it outside of insurance if the Third Party is being very compliant. If not you could end up paying for a courtesy car for him, you could have issues with the repair not being satisfactory etc etc.
For what it could cost I can't see that you'd be any better off not going down the right route with it.
For what it could cost I can't see that you'd be any better off not going down the right route with it.
SonnyM said:
So you could notify your insurance company an incident took place and that you are dealing with it directly, then contact AnniesDad on hear and use his company to manage it to the satisfaction of both parties?
That would be massively expensive, no offence to Anniesdad but he makes his money helping people on the other side of the fence, ie the victim, and once you inform the insures of the bump the NCD will be affected, thats how it works, so you either keep it 100% away from the insurers or make a claim, there is no middle ground, NCD for a first claim is usually reduced by 2 or 3 years depending on the insurer.Legend83 said:
matc said:
Do you not have insurance for this kind of thing?
Indeed but if the repair cost was not too bad I would consider settling outside of insurance as I am not sure the insurance co will be particularly sympathetic to my wife hitting a Porsche - I can see her NCB being obliterated and premiums shooting up...Let me offer the following:
My street parked car (in SW London) was hit in exactly the same way as the OP's wife hit the 3rd party. This lady also very kindly stopped and provided details, and the damage to my car was rear quarter panel grazing and bumper corner dinged - minor/superficial damage but cost around £1k to fix properly at Audi UK. I was obviously not at fault, in the car or moving in the car at the time, and my insurer suffered no loses whatsoever and my NCB of 9+yrs was unnaffected, BUT...come renewal my premium sky-rocketed. I enquired why and was told that because of the "accident" in my street it was now regarded a much higher-risk to park in that street.
This doesn't help the OP, but it tells one a lot about risk rating and the after effects (cost) of doing things through insurance. So not only will the OP/wife take a hit, the 3rd party they hit will likley do so as well. Had I had my wits about me and realised what was going to happen a year down the line, because of someone else's fault I might well have thought about a private uninsured losses claim/action (increase to my insurance as a result of 3rd party) and impact to my risk assessment. So, if it happened again (ie what happened to me or OP - not a major smash) I would use a good but independent body shop who would do just as good a job and perhaps cost half as much as Approved Dealer, and suggest 3rd party pick it up directly rather than go through insurance and both being hammered for much more long term.
Worth thinking about...
PF
My street parked car (in SW London) was hit in exactly the same way as the OP's wife hit the 3rd party. This lady also very kindly stopped and provided details, and the damage to my car was rear quarter panel grazing and bumper corner dinged - minor/superficial damage but cost around £1k to fix properly at Audi UK. I was obviously not at fault, in the car or moving in the car at the time, and my insurer suffered no loses whatsoever and my NCB of 9+yrs was unnaffected, BUT...come renewal my premium sky-rocketed. I enquired why and was told that because of the "accident" in my street it was now regarded a much higher-risk to park in that street.
This doesn't help the OP, but it tells one a lot about risk rating and the after effects (cost) of doing things through insurance. So not only will the OP/wife take a hit, the 3rd party they hit will likley do so as well. Had I had my wits about me and realised what was going to happen a year down the line, because of someone else's fault I might well have thought about a private uninsured losses claim/action (increase to my insurance as a result of 3rd party) and impact to my risk assessment. So, if it happened again (ie what happened to me or OP - not a major smash) I would use a good but independent body shop who would do just as good a job and perhaps cost half as much as Approved Dealer, and suggest 3rd party pick it up directly rather than go through insurance and both being hammered for much more long term.
Worth thinking about...
PF
you could always buy the car of him for 2p thats all its worth with its chocolate engine
no really if she has only scraped the panel i am sure it will only cost a few hundred quid to repair and that would be the route i would take.as for going the insurance route a few years ago i was out in our shopping trolley which is insured in my wifes name and me on the policy a young lad lost control in the snow drove into me and caused about £1500 of damage.we claimed on HIS insurance and the car was repaired.the thing is i am paying an extra £50-£100 on my premium on the spyder because of this and will do for 5 years,but bare in mind i should only pay £400 p.a. but have to pay nearly £500 p.a. thats an extra 25% for a non fault accident £0 claim on my part!!!!!!
yes i do all the confused,compare etc searches and thats how i know about the difference.
no really if she has only scraped the panel i am sure it will only cost a few hundred quid to repair and that would be the route i would take.as for going the insurance route a few years ago i was out in our shopping trolley which is insured in my wifes name and me on the policy a young lad lost control in the snow drove into me and caused about £1500 of damage.we claimed on HIS insurance and the car was repaired.the thing is i am paying an extra £50-£100 on my premium on the spyder because of this and will do for 5 years,but bare in mind i should only pay £400 p.a. but have to pay nearly £500 p.a. thats an extra 25% for a non fault accident £0 claim on my part!!!!!!
yes i do all the confused,compare etc searches and thats how i know about the difference.
I think it's best if you can deal with it directly, but the other party needs to be happy about doing it this way, which depends on their outlook and disposition.
My ex-girlfriend had a minor knock at a junction, chap wasn't looking and caught the rear bumper of her 996. He apologised, wanted to sort it out but preferred not to claim. She was OK about this but wanted to make sure it was repaired properly. We got a quote from a decent local bodyshop (Cheshire Autobody), notified him and he was happy to pay them directly (about £350) so it was easily sorted.
I think you'll have to see how the other party feels about things and if they're prepared to get a quote or two to sort it out - they should be grateful that you're doing the right thing in the first place. Contrary to what we did above, I'd suggest the owner gets the bill made out to themselves and you just reimburse them, then you're not involved if they have any issues with the quality of the work at a later date.
My ex-girlfriend had a minor knock at a junction, chap wasn't looking and caught the rear bumper of her 996. He apologised, wanted to sort it out but preferred not to claim. She was OK about this but wanted to make sure it was repaired properly. We got a quote from a decent local bodyshop (Cheshire Autobody), notified him and he was happy to pay them directly (about £350) so it was easily sorted.
I think you'll have to see how the other party feels about things and if they're prepared to get a quote or two to sort it out - they should be grateful that you're doing the right thing in the first place. Contrary to what we did above, I'd suggest the owner gets the bill made out to themselves and you just reimburse them, then you're not involved if they have any issues with the quality of the work at a later date.
itsybitsy said:
you could always buy the car of him for 2p thats all its worth with its chocolate engine
no really if she has only scraped the panel i am sure it will only cost a few hundred quid to repair and that would be the route i would take.as for going the insurance route a few years ago i was out in our shopping trolley which is insured in my wifes name and me on the policy a young lad lost control in the snow drove into me and caused about £1500 of damage.we claimed on HIS insurance and the car was repaired.the thing is i am paying an extra £50-£100 on my premium on the spyder because of this and will do for 5 years,but bare in mind i should only pay £400 p.a. but have to pay nearly £500 p.a. thats an extra 25% for a non fault accident £0 claim on my part!!!!!!
yes i do all the confused,compare etc searches and thats how i know about the difference.
£500 p/a for a Spyder thats very good, my car started at that but by the time I listed all the options Wheels, Seats, SatNav, Sport Chrono, PSE, etc it ended up at £800.no really if she has only scraped the panel i am sure it will only cost a few hundred quid to repair and that would be the route i would take.as for going the insurance route a few years ago i was out in our shopping trolley which is insured in my wifes name and me on the policy a young lad lost control in the snow drove into me and caused about £1500 of damage.we claimed on HIS insurance and the car was repaired.the thing is i am paying an extra £50-£100 on my premium on the spyder because of this and will do for 5 years,but bare in mind i should only pay £400 p.a. but have to pay nearly £500 p.a. thats an extra 25% for a non fault accident £0 claim on my part!!!!!!
yes i do all the confused,compare etc searches and thats how i know about the difference.
So you are not doing too bad.
dibblecorse said:
That would be massively expensive, no offence to Anniesdad but he makes his money helping people on the other side of the fence, ie the victim, and once you inform the insures of the bump the NCD will be affected, thats how it works, so you either keep it 100% away from the insurers or make a claim, there is no middle ground, NCD for a first claim is usually reduced by 2 or 3 years depending on the insurer.
I don't think the NCD works quite like that. It will only be affected if you claim from your insurance company. So if you just tell them for information purposes then your NCB will not be affected.You should tell them about it though. You definitely have to tell them at renewal time and depending on the wording of the policy you may have to tell them at the time of the accident.
Your premium is pretty likely to go up either way as you have had an accident that had fault attributed to you(r O/H).
Bert
thegoose said:
They will to a degree but not between a £1k and £3-4k claim, it's ones with personal injury or expensive write-offs that really rack up. Bear in mind though even if you have protected NCB the premium you pay will still increase due to the perceived increased risk. I.e. if the base premium now is £1000 with 65% NCB then next year it could go up to say £1200, but with the same 65% NCB applied.
Not necessarily.I had a (fault) claim in 2011, about 4 months before my insurance renewal - which did include a personal injury claim (although that wasn't huge). I was very surprised to find my renewal did not go up that year - and in fact, I changed insurance companies at renewal time to a company who was quoting me £50 less. Just renewed again this year and it's actually gone down £100.
I was as surprised as anybody - but it seems a claim doesn't always put your premium up.
In answer to the OP though - it's safer to get your insurance involved. With my accident, damage to my car appeared to be bumper only - but behind the front bumper is the condensor, and radiator etc - so it added up pretty quickly.
TryHarder said:
£500 p/a for a Spyder thats very good, my car started at that but by the time I listed all the options Wheels, Seats, SatNav, Sport Chrono, PSE, etc it ended up at £800.
So you are not doing too bad.
shouldnt be charged extra for wheels,seats as part of original spec.£300 for the other items! should not affect insurance greatly if factory fitted?its more important to make sure you value your car when insuring.ie mines insured for £50k.So you are not doing too bad.
just to add getting your cars body fixed by porsche/audi etc doesnt always guarantee a better job than a non franchised garage as we all well know
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