stevo1179 Posted July 25, 2011 Share Posted July 25, 2011 Hi Guys, Writing this for advice and closure. Returned to my car after work today to find on of my colleagues had reversed into it. Putting a lovely dent in the o/s wing, putting a plum sized hole in the bumper and pushing the headlight back 5mm, alas no note. I work at a hospital in Cornwall, can only narrow the culprit to 300 cars, resigned to never finding who did it. The wing might be repairable along with the headlight, I'll need a new bumper though. The dilema is; do I foot the bill or claim off my insurance? I'm 30 with 9 years NCB (not protected), £350 excess with a clean licience. Needless to say I'm seething, praying (in vain) that they may have a guilty conscience over night and fess up. Cheers, Stevo179 Quote Link to comment Share on other sites More sharing options...
Chap Posted July 25, 2011 Share Posted July 25, 2011 I'm sure you've already thought of it but have you asked them to check CCTV? You might get lucky. Quote Link to comment Share on other sites More sharing options...
stevo1179 Posted July 25, 2011 Author Share Posted July 25, 2011 No CCTV, I think the offending vehicle might be grey, so I'll have a snoop tomorrow it would of damaged their car too. Quote Link to comment Share on other sites More sharing options...
Ricey Posted July 25, 2011 Share Posted July 25, 2011 put some quotes into your insurers website and add a claim in with all your no claims gone and a claim on your record. Whatever the difference is between that and your existing premium X by 9 that gives you rough idea of the pain you will feel by claiming. Basically don't bother.......insurance is practically a waste of money unless you crash into someone yourself! Quote Link to comment Share on other sites More sharing options...
Ricey Posted July 25, 2011 Share Posted July 25, 2011 .........sorry - and add £350 for your excess! Quote Link to comment Share on other sites More sharing options...
stevo1179 Posted July 25, 2011 Author Share Posted July 25, 2011 Loonking into it now, suddenly the driver window playing up seems very trivial. Insurance would premium double ~£750. Boils down to how much a bumper would cost Quote Link to comment Share on other sites More sharing options...
Ricey Posted July 25, 2011 Share Posted July 25, 2011 Even if the bump costs a grand to sort (which I very much doubt it will if your just sorting the front bumper) your gonna be feeling the pain on losing the no claims every year for the next 9 years to get back to where you are now (obviously getting incrementally better with each year). £375 extra for year one alone on insurance AND £350 for excess - £725 just for this year alone...........bumper wouldn't cost that much shirley? Quote Link to comment Share on other sites More sharing options...
CMR Posted July 25, 2011 Share Posted July 25, 2011 Foot it yourself. Quote Link to comment Share on other sites More sharing options...
Ebized Posted July 25, 2011 Share Posted July 25, 2011 How about taking a pic and add a note to pin on a staff noticeboard where you work that a 'grey' car has done the damage and would the person responsible kindly contact you before it is reported to the police as failing to report an accident - might embarass them to come forward or a colleague might know the culprit? Quote Link to comment Share on other sites More sharing options...
rtbiscuit Posted July 25, 2011 Share Posted July 25, 2011 when is your insurance due for renewal, might be worth waiting to rnwal time, protect your NCB and then make the claim Quote Link to comment Share on other sites More sharing options...
Will370z Posted July 25, 2011 Share Posted July 25, 2011 How about taking a pic and add a note to pin on a staff noticeboard where you work that a 'grey' car has done the damage and would the person responsible kindly contact you before it is reported to the police as failing to report an accident - might embarass them to come forward or a colleague might know the culprit? +1 to this and keep your fingers crossed. Mind you they would have known when they did it and if they didn't admit it then I expect they will keep their head down and hope. Still definitely worth a try. And do a scan of the car park to find the guilty party. Very frustrating thing to happen, hope you find the person before you have to take the knock yourself. Quote Link to comment Share on other sites More sharing options...
stevo1179 Posted July 25, 2011 Author Share Posted July 25, 2011 Feeling slightly better now than I did 3 hours ago....it is only a car after all (albeit my pride and joy!!) Still can't get my head around how someone in the 'caring profession' can be so dishonest. Quote Link to comment Share on other sites More sharing options...
stevo1179 Posted July 25, 2011 Author Share Posted July 25, 2011 Where is the best place to get an oem bumper? Quote Link to comment Share on other sites More sharing options...
Watshot Posted July 25, 2011 Share Posted July 25, 2011 You don't lose all of your nine years no claims for one claim, just a proportion. Check your policy for details. New front bumper from Nissan (Holdcrofts) last year was about £400. Proper paint job would be in excess of £200. Fitting is obviously extra unless you diy, but if your wing and headlight have been biffed aswell it might need a bit more to get it all lined up properly again. Of course the irony with insurance is that even if you do find the culprit and their insurance pays up, your premium will still go up as you have a 'no fault' claim. As far as the industry is concerned, you are now statistically more likely to be involved in another accident and therefore a higher risk. You may find your 'grey' car is in fact primer, may be worth double checking. Sorry to here your bad news chap, hope you get it sorted without too much pain. Quote Link to comment Share on other sites More sharing options...
rtbiscuit Posted July 25, 2011 Share Posted July 25, 2011 R35lee has 2nd hand bumpers Quote Link to comment Share on other sites More sharing options...
jenic Posted July 25, 2011 Share Posted July 25, 2011 You don't lose all of your nine years no claims for one claim, just a proportion. Check your policy for details. Was just going to say this, you usually lose 2 years per claim. I'd fix it myself still though. Quote Link to comment Share on other sites More sharing options...
gangzoom Posted July 26, 2011 Share Posted July 26, 2011 Feeling slightly better now than I did 3 hours ago....it is only a car after all (albeit my pride and joy!!) Still can't get my head around how someone in the 'caring profession' can be so dishonest. Thats why my Z use to live at the furtherest end of the car park, it meant i had to walk for a extra 2 minutes but at least i knew my Z would be safe Quote Link to comment Share on other sites More sharing options...
Ricey Posted July 26, 2011 Share Posted July 26, 2011 You don't lose all of your nine years no claims for one claim, just a proportion. Check your policy for details. Was just going to say this, you usually lose 2 years per claim. I'd fix it myself still though. Well I never knew that...........don't suppose I ever build up enough no claims to find out when I've had crashes! Quote Link to comment Share on other sites More sharing options...
stevo1179 Posted July 26, 2011 Author Share Posted July 26, 2011 Feeling slightly better now than I did 3 hours ago....it is only a car after all (albeit my pride and joy!!) Still can't get my head around how someone in the 'caring profession' can be so dishonest. Thats why my Z use to live at the furtherest end of the car park, it meant i had to walk for a extra 2 minutes but at least i knew my Z would be safe Thay is exactly what I do, yet some village idiot still managed to bash it. A friend in the trade who will take a look at it tomorrrow, will update then. Quote Link to comment Share on other sites More sharing options...
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