E30 Zone

having crashed today, had a call from the batty old woman, shes going through insurance watever! only needs a bumper and wing, my excess is £850 and next year my insurance goes up £1000, so basically i cant have an e30 anymore unless thes a fwd 1.0l special!


just spent over £1500 this year getting it good, and now its gunna have to go.

£850 excess? how old are you?

murder her before she rings the insurance

gutting have you offered to pay for the repairs to her car yourself

bummer dude! good luck with some fwd turd!

That is some excess, any previous or something?

I think you'll find you only pay your excess for your own damage, not third party damage, but check with your insurers.

I would recommend you speak to your insurers and report the claim, that way they can get in touch with her and maybe keep better control of her claim rather than her ending up riding around in a £50 a day hire car and speaking to lawyers like me

fuzzy wrote:£850 excess? how old are you?

18

hazd31 wrote:had a call from the batty old woman,

Whose parked car you drove into.

Sorry for you loss and all the rest of it. . . .

shes already rung insurance to get it back to nissan, she wont let me pay cash, ime going to the dealer tomorrow as i think shes got them to deal with it and they will be more cooperating, she want to sell the car anyway so ill find out how much its worth and try buy it off her, the fix it and sell the cwunt.

I doubt a main dealer will want to deal with you on a cash basis - especially if they have the chance of extracting easy money from an insurer - sorry mate

beemerbird wrote:

hazd31 wrote:had a call from the batty old woman,

Whose parked car you drove into.

Sorry for you loss and all the rest of it. . . .

i tried to be nice, left 2 notes on her car,

admited i was sorry and it was my fault on the phone, she had someone go into the back of her recently aperently (probably braking for fun)

i think shes taking that out on me rather than seing it from my view, having had 1 small scrape at 18 is nothing compared to todays standards, really shes the won that shuldent have parked there and probably is a much more dangerous driver than most of us, not happy, i thought i got away with it and she wasent going to call, basically just lost every penny ive ever ernt in 2 seconds

The dealer will just tell you to speak to the owner as they will be awaiting authorisation from the insurers and in their eyes, the insurer is a safer bet than you for payment. What may look like a wing & a bumper may turn into rear panel & boot floor damage and a much more costly outing than you are bargaining for.

Also, you can pay her garage bill, but what about when she wants to claim whiplash?

What I'm saying is you are going to stuggle to keep your insurers out of this

hazd31 wrote:

beemerbird wrote:

hazd31 wrote:had a call from the batty old woman,

Whose parked car you drove into.

Sorry for you loss and all the rest of it. . . .

i tried to be nice, left 2 notes on her car,

admited i was sorry and it was my fault on the phone, she had someone go into the back of her recently aperently (probably braking for fun)

i think shes taking that out on me rather than seing it from my view, having had 1 small scrape at 18 is nothing compared to todays standards, really shes the won that shuldent have parked there and probably is a much more dangerous driver than most of us, not happy, i thought i got away with it and she wasent going to call, basically just lost every penny ive ever ernt in 2 seconds

Thanks for your edit

E30BeemerLad wrote:The dealer will just tell you to speak to the owner as they will be awaiting authorisation from the insurers and in their eyes, the insurer is a safer bet than you for payment. What may look like a wing & a bumper may turn into rear panel & boot floor damage and a much more costly outing than you are bargaining for.

Also, you can pay her garage bill, but what about when she wants to claim whiplash?

What I'm saying is you are going to stuggle to keep your insurers out of this

i know its just wing bumper, maybe steering rack and wishbone, nothing else, she cant claim for wiplash, she wasent in the car!

do you think i shoud call the insurance now, obvously im only 3rd parts so ime notgetting a penny towards my car, will the insurance want sto see my car too or not?

beemerbird wrote:

hazd31 wrote:

beemerbird wrote:
Whose parked car you drove into.

Sorry for you loss and all the rest of it. . . .

i tried to be nice, left 2 notes on her car,

admited i was sorry and it was my fault on the phone, she had someone go into the back of her recently aperently (probably braking for fun)

i think shes taking that out on me rather than seing it from my view, having had 1 small scrape at 18 is nothing compared to todays standards, really shes the won that shuldent have parked there and probably is a much more dangerous driver than most of us, not happy, i thought i got away with it and she wasent going to call, basically just lost every penny ive ever ernt in 2 seconds

Thanks for your edit

sorry im a retarded dyslexic

your insurers won't want to see your car unless you tell them about her having allegedly been rear ended recently before and there was old damage from that accident that hadn't been fixed when you smacked her car. Then your insurers may want to make something of it and argue a reduction in her repairs.

By involving your insurers, they may be able to intervene with her directly and offer her a courtesy vehicle, otherwise she may end up in what is called a credit hire car, where the daily rates are extortionate. So by belling your insurers now, you may help them to save money on the claim and that in turn helps your record a little.

It still won't help your no-claims discount and you'll get a dry bumming for your premium next year, but you shouldn't have to pay your excess.

Excesses usually only apply when you claim for your own damage and this is often to deter people from claiming for minor damage they cause to their own car.

By all means, ask her to contact you once the nissan garage has informed her of the cost of repairs and if you genuinely have the dollars to pay then tell her you can pay the bill directly and see if she'll ask the garage if you can settle the bill. If you can lay your hands on the money and pay them straight away then all is well, then you may save your no-claims discount, but you will still have to declare the accident when getting any future insurance quotes.

E30BeemerLad wrote:your insurers won't want to see your car unless you tell them about her having allegedly been rear ended recently before and there was old damage from that accident that hadn't been fixed when you smacked her car. Then your insurers may want to make something of it and argue a reduction in her repairs.

By involving your insurers, they may be able to intervene with her directly and offer her a courtesy vehicle, otherwise she may end up in what is called a credit hire car, where the daily rates are extortionate. So by belling your insurers now, you may help them to save money on the claim and that in turn helps your record a little.

It still won't help your no-claims discount and you'll get a dry bumming for your premium next year, but you shouldn't have to pay your excess.

Excesses usually only apply when you claim for your own damage and this is often to deter people from claiming for minor damage they cause to their own car.

By all means, ask her to contact you once the nissan garage has informed her of the cost of repairs and if you genuinely have the dollars to pay then tell her you can pay the bill directly and see if she'll ask the garage if you can settle the bill. If you can lay your hands on the money and pay them straight away then all is well, then you may save your no-claims discount, but you will still have to declare the accident when getting any future insurance quotes.

thank you, she wasent very cooperating, but ill give the insurance a call, if i say ive had a crash to them but dont want to claim will i loose my no claims? and if she is claiming who pays her excess?

ps can i buythe front or your touring??

just called the insurance, theve given me the number for the broker to call in the morning,

i tink its a claim only job

will promptly got to her house with paintstripper once the car is fixxed

and i have to keep the e30, just gunna be one of those uninsured idiots, can even save on road tax and mot!

hazd31 wrote:will promptly got to her house with paintstripper once the car is fixxed

and i have to keep the e30, just gunna be one of those uninsured idiots, can even save on road tax and mot!

Hero

beemerbird wrote:

hazd31 wrote:will promptly got to her house with paintstripper once the car is fixxed

and i have to keep the e30, just gunna be one of those uninsured idiots, can even save on road tax and mot!

Hero

probably not the best idea, ill get it sorted, spent too much time and money on the car to go back to some fwd turd!

hazd31 wrote:

beemerbird wrote:

hazd31 wrote:will promptly got to her house with paintstripper once the car is fixxed

and i have to keep the e30, just gunna be one of those uninsured idiots, can even save on road tax and mot!

Hero

probably not the best idea, ill get it sorted, spent too much time and money on the car to go back to some fwd turd!

Mate.... You are 18 years old. Do the right thing, bite the bullet (whatever seems fit) but walk away from your decision with some real pride.

hazd31 wrote:just called the insurance, theve given me the number for the broker to call in the morning,

i tink its a claim only job

will promptly got to her house with paintstripper once the car is fixxed

and i have to keep the e30, just gunna be one of those uninsured idiots, can even save on road tax and mot!

wow .... you sound like a complete cock not only have you managed to crash into a parked car but you are also admitting on a public forum that you are going to cause further damager to the car you hit and that you plan on driving with no insurance

Messenjah wrote:

hazd31 wrote:just called the insurance, theve given me the number for the broker to call in the morning,

i tink its a claim only job

will promptly got to her house with paintstripper once the car is fixxed

and i have to keep the e30, just gunna be one of those uninsured idiots, can even save on road tax and mot!

wow .... you sound like a complete c**k not only have you managed to crash into a parked car but you are also admitting on a public forum that you are going to cause further damager to the car you hit and that you plan on driving with no insurance

mate i am only joking! i would never do that, not worth the hassel,

i have admited fault and am trying to sort out the problem best for both parties!

the dammage after some epic panel beating,





lesson learned, nowon was hurt except my pride, hopefully it will never happen again

how much for the wheels

sorry to hear this mate.....



Is it a 325i?

it's better to look where your going than where you've been.

unlucky fella.

magpie wrote:it's better to look where your going than where you've been.

Especially when driving near parked cars.

I rode into a parked car on my push bike... twice actually.

the second time wasn't really my fault.. the right half of the handlebar snapped off as I was going down a steep carpark entrance.

Really unpleasant..

jaymos wrote:how much for the wheels

£180?
i prefere the 14s anyway

right have spoken to insurance, i dont have to pay my excess, and if the cost of the damage isint too high the insurance have said that i can reimburse them the cost so that i keep my no claims!

obvously if the cost is more than 1 bag ill have to let the claim go, but atleast its sorted now.

gunna have an epic fiddle of insurance with my dad in dec, might end up going fully comp i a 1.0kia or sumthing and then he will insure my car so i can still drive it, if that works out cheaper anyway.

thanks lee for all your advice, fell moch better knowing i havent got the deal with the agry other party!

hazd31 wrote: gunna have an epic fiddle of insurance with my dad in dec, might end up going fully comp i a 1.0kia or sumthing and then he will insure my car so i can still drive it, if that works out cheaper anyway.

thanks lee for all your advice, fell moch better knowing i havent got the deal with the agry other party!

theres only one company that offer 3rd party cover to drive othe rppls cars for those of us under 25 ... and thats quinn direct and i have no frist hand experience of this but i THINK they do it you wouldhave to check with them

Messenjah wrote:

hazd31 wrote: gunna have an epic fiddle of insurance with my dad in dec, might end up going fully comp i a 1.0kia or sumthing and then he will insure my car so i can still drive it, if that works out cheaper anyway.

thanks lee for all your advice, fell moch better knowing i havent got the deal with the agry other party!

theres only one company that offer 3rd party cover to drive othe rppls cars for those of us under 25 ... and thats quinn direct and i have no frist hand experience of this but i THINK they do it you wouldhave to check with them

deffinatly quinn, have had lots of mates that have used them but there prices are very high!

i know bell can offer cover with a £30 extension, i assume other companies may.

havent read the whole thread but if she was parked illegally you should take pics and do her for it - you never it may even go against her

magpie wrote:
it's better to look where your going than where you've been.


Especially when driving near parked cars.

W

pmsl