spongy
Well-known member
- Thread starter
- #21
QUOTE=spongy;6950119]I'm not trying to get out of anything. I'm trying to minimise the cost. She's now home, she's phoned him back and he's already reported it to his insurance company so that's the route we'll go.
Apart from a smashed number plate and a loose grill her car is ok and I can repair it myself. ive seen the photo of his car and on the surface of it it must've only been a 5-8 mph shunt at most. He needs a new bumper.
If we don't claim and he wants to do we still have to pay the excess on our policy as we won't technically be claiming?
The excess should only apply to damage to your car.
The circumstances sound similar to an accident my wife had last week when someone went into the back of her car. Plastic bumper split along the top but estimate is about £700. Unfortunately my wife claims not to have suffered whiplash so we will have to pay for this years holiday in some other way!!!! Third party initially wanted to deal with privately but she is now notifying her insurers.
Appreciate what you are saying but to be honest, you did post on an internet forum that you were thinking about committing insurance fraud!!![/QUOTE]
I realise I said that but it's not my style really. I was just thinking out loud and asking for advice to minimise the cost. All options were running through my head a couple of hours ago. I'm not a dishonest person. But I would have carried out that threat to "The Man".