SH11T DAY.

[palerider325icab]

I went to the co op this morning before going to the gym in the motorsport.I parked outside on a single yellow line.As i was about to go into the shop a friend of mine was coming out so we stood and had a bit of a chat and he was having alook at my car.The next thing we heard was bang some knob in a ford focus backed right into my car causeing damage to the rear panal at the back of the drivers door just above the mtec 2 kit if you know where i mean,pushed it right in.
Well i went mad as he tried to drive away at first then he started going on about that i should not have been parked there but loads of people do.
Then he was going on about that his car did not do the damage i was ready to rip his head clean off.We exchanged insurance details in the end but still i am mighty pissed off .
Where do i stand on this yellow line thing?
I dont know how much its going to cost but hopefully his insurance will foot the bill as i am pretty sure that i am not in the wrong.




Cheers
Ryan

[Martinaston]

Yeah didn't you know if you drive a lorry you can just drive over cars parked on yellow lines

No sorry to hear about it.

If the guy tried to blame anything but himself i would have probably lost it as well, But are you sure it wasn't your reaction that scared the bloke to start with ?

There was a recent thread about a similar thing and the insurance company tried to write the car off.
If i were you i would try to get the bloke to settle without involving the insurance.

[E30BeemerLad]

Dude - I deal with RTA Insurance claims for a living, the fact you were parked on a yellow had shit all to do with it. Your car was parked and there to be seen, so the fact the knobber in the focus can't judge a distance whilst performing a low speed parking manoeuvre is his fault and not yours.

Take some pictures of the damage, get the bloke you were talking to to write out brief statement of what he also saw happen. Although he is not independent, his account of things helps to screw the other bloke.

His insurers may try it on at first, but frankly they are on thin ice.

If you have any grief with this either PM me or better still, email me at work lee.jones@corries.co.uk

[Simon13]

Dude - I deal with RTA Insurance claims for a living, the fact you were parked on a yellow had sh*t all to do with it. Your car was parked and there to be seen, so the fact the knobber in the focus can't judge a distance whilst performing a low speed parking manoeuvre is his fault and not yours.

Take some pictures of the damage, get the bloke you were talking to to write out brief statement of what he also saw happen. Although he is not independent, his account of things helps to screw the other bloke.

His insurers may try it on at first, but frankly they are on thin ice.

If you have any grief with this either PM me or better still, email me at work lee.jones@corries.co.uk

U must have thick skin to deal with that stuff all day!

[E30BeemerLad]

yeah it has it's moments mate

Some times you really do help people out who haven't a clue and need help to avoid being shafted by insurers, but half the time, your clients are only bothered about how much compensation they will get

I love a good argument on liability and love it when I get a client with a nice car, they always get extra special treatment. Not had any E30's yet

[palerider325icab]

I will ring my insurance people in the morning tell them the score,then get a quote on the damage and then go and see the plonker hopefully we might not have to deal with the insurance side of thinks.
The point that that really make my blood boil is when they say we did not do that damage that must have been there before as if i am going to drive round with my pride and joy with a big bash in the side jesus i would have had it fixed by now.Or was i just waiting hopeing that somebody that cant drive will back in to my car while i am not in it so that i can put in a claim how thick can some people be. Thanks for the info beemerlad. Just below my gym there is a bodyrepair shop they sprayed my mirrors for me colour was bang on,so when i went to the gym i asked him to have alook as he was open.
He said he could pull most of it out with suckers then put alittle bit of body filler in and then spray the whole side panal its the bodyfiller bit that i dont like.Ԛ£300


Cheers

[Dan318-is]

had something similar when i opened my door on road an caused a women to swerve an hit an oncoming car, even tho there was a truck parked behind me which was wider than the length of my door - she went skits an kicked my car an then asked for my insurance details, so i drove off, then got a letter saying to give my details over. so i did and luckily nothing ever came of it.

mugs i tell you, mugs

I would advise on other previous experiences to try ur best not to get insurance involved, its best for all parties - no offence to the insurance guy lol

[E30BeemerLad]

best thing to do guys is get legal protection cover when you buy your insurance, it costs at the most Ԛ£15 and some companies give it away.

The effect of this cover is that when you have a prang, no matter whose fault, you can then be referred onto a specialist firm of solicitors who will recover your losses from you directly from the insurers of the third party. So you don't have to claim off your own insurance if you have fully comp. This is what my firm do www.corries.co.uk

OK so if it is parking bump type damage then sort it between yourselves if possible.

[beardymat]

He said he could pull most of it out with suckers then put alittle bit of body filler in and then spray the whole side panal its the bodyfiller bit that i dont like.Ԛ£300


Cheers

dont let the bodyfiller worry you dude,if its used properly to finish off the repair as opposed to just slapping it in the big dent then you shouldnt have any problems with cracking etc,its when its used to bodge rust up that gives it a bad name,besides that the only other options are panel replacement(too expensive and it destroys the factory seams) or use a panel beater who can bare metal repair it but this will also prove expensive as its very time consuming and you thin the metal out as you bodyfile the imperfections from the panel.

sounds like a fair price

[Dan318-is]

i also find body filler is good for some things

like the last post says, most people slap it over the rust and paint it but that just looks aweful and int menta b used like that

I tned to sand the rust of fill it in, then sand the filler, then fill agian, and sand it again many times til its smooth. Then its ready for primer paint and lacquer

I did this to my mates old alpine white 6 series when he hit a deer an its head dented the bonnet. i kid you not we were there all day filling sanding etc but you could never tell that it was fixed with filler.

So its good for small jobs i find, if used correctly

[E30Adam]

Sorry to hear this Ryan, some arse ran straight into the back of my car last week too. Didn't seem to see me sat stationary in traffic infront of him

[palerider325icab]

Feeling for you buddy ,so i take it that you have not had a chance to fit the m3 clocks.

Cheers
Ryan

[E30Adam]

Not yet mate, they are sitting proudly in my bedroom though!!

I'm trying to decide weather to fit aluminium rings to them or not. I did it to my old ones and they look really good but I don't want to fu<k up the M3 clocks because you have to superglue them on and one slight movement out of place with the superglue and they're ruined.

I think I'll just keep them as they are rather than risk damaging them, just not worth it especially as it's taken me almost 2 years to find and buy a set in MPH.

Feeling for you buddy ,so i take it that you have not had a chance to fit the m3 clocks.

Cheers
Ryan

[beardymat]

I'm trying to decide weather to fit aluminium rings to them or not. I did it to my old ones and they look really good but I don't want to fu<k up the M3 clocks because you have to superglue them on and one slight movement out of place with the superglue and they`re ruined

ive just ordered a set off ebay from a german company which are supposed to be a click fit.they are from the same people who used to do the glue on ones.they want Ԛ£39 buy it now but if you look at sellers other items theyre listed at 29.99 euros which comes in at Ԛ£27.05 delivered which sounds like good value to me! ill let you know how well they fit if you want

p.s. im a fussy b@@@@@rd so ill tell you truthfully

[Brianmoooore]

best thing to do guys is get legal protection cover when you buy your insurance, it costs at the most Ԛ£15 and some companies give it away.

The effect of this cover is that when you have a prang, no matter whose fault, you can then be referred onto a specialist firm of solicitors who will recover your losses from you directly from the insurers of the third party. So you don't have to claim off your own insurance if you have fully comp. This is what my firm do www.corries.co.uk

OK so if it is parking bump type damage then sort it between yourselves if possible.

Trouble is no insurer will pay out more than book value for a car, unless you have some sort of out-of-the-ordinary insurance, and the book value of an E30 can be horribly low.
So, unless your insurance co is one of the ones who will sell you the remains after writing it off, you can end up losing your car for what appears to be very liittle damage, and only have a very small wad of notes in your hand in exchange.

[topspark]

Is it not worth getting our cars insured under classic insurance as you get agreed guaranteed value for your car , Im looking at doing mine on classic insurance when i get it back on the road. Ive had quotes of about Ԛ£250 / annum up to now , anyone else got theres on classic ins ???

lee

[320Touring]

thats sh!t mate-sorry to hear that

suppose the upide is that you and your lot are ok mate, and the cab can be repaired fairly easily.

as for the filler-if its just used to provide a thin skim over joins or that then its cool

[palerider325icab]

I think i am in deep shit but hopefully i am not so here goes and need some serious advice before the morning.
As you all know by car was bumped yesterday through no fault of my own.I am insured fully comp on a classic insurance policy with limited miles.
I went round to see this knob tonight asking if he would go halfs on the repair bill but he still says that i should not have parked there and he did not do the damage.
I went round to the guy i bought it from and his eyes nearly dropped out of his head when he seen her and he confirmed that there was no damage.
I have also got a witness who give me his details as he was stood there when it happened.
Now i will have to get in contact with my insurance in the morning and see what they say.
Now here comes the tricky bit.
My insurance was paid in 1 lump sum,i had my little 318is insured on this policy.
I sold it about a month and a half ago so my policy was left open ready for a tranfer for any car.
As you know if have had a bit of work done to her over these past few weeks and she has not been on the road as she is locked up in the garage during the week as i have a works van.
This morning when i got to work i rang my insurance and give them the details of the motorsport and had to pay a paper work fee of Ԛ£47.
The car is all above board now.
So if i have to make a claim where do i stand with regards to the yellow line and my insurance i was also not in the car.
The shop was only around the corner from my house.
This guy is on mobility so he does not pay for his car and insurance.
My car is moted and taxed and i have never been in trouble with the law.
HELP HELP WHAT DO I DO


Cheers.

[Brianmoooore]

If I follow the above correctly, your car wasn't insured?
I don't think it's relevant to this, because there is absolutely no blame attached to you.
Whether or not it was illegally parked, either on a yellow line or uninsured on the public highway, is irrelevant, as it was not, I presume, dangerously parked.
You most certainly shouldn't have offered to go halves with the person who is responsible, as this is partially admitting liability, and the damage is 100% his fault.
Get your witness to put his version in writing right away, give the other person the chance to pay in full, and get him to admit his liability in writing, or start to get nasty.

[E30BeemerLad]

Brianmoore is spot on.

You are OK as far as your insurance goes mate insofar as the accident and the other bloke is concerned. Obviously your insurers if you have fully comp won't agree to sort the damage if your car was not on cover.

However, my advice is to speak to your insurers and see if they can refer you to someone like a solicitor who deals with uninsured loss recovery. If you have legal cover they most certainly will do this for you.

Bottom line here is that the other bloke is being a knob-wash and you need his insurance details. No use trying to get money out of him by the sounds of it.

Get the witness to confirm what he saw and get his address details or better still get him to write down his version of events and draw a small diagram of what happened. Also get a statement from the bloke who you got if from saying it was tip-top when he sold it to you, he can't vouch for anything else really. If you have some recent photos of the car they would assist showing no pre-accident damage. Take some pics of the damage on your car now! Is there any of his paint on the car? Drive to his house and take a pic of any damage to his motor, but be careful with this (invasion of privacy etc)

If you can't get his insurance details PM me - I can help out here but it's naughty

Bottom line however is that it's his fault, your insurance situation does not matter, but he could still report you to the law if he wants to be a cock.

I act for a taxi driver who had a smash with a motability driver, other bloke turned right across my client's path. My client discovered that his missus had forgotten to renew his cover so was in a panic. I advised him this did not matter and I told the other bloke who did his nut. I have liased with the other bloke's insurers who are aware my client was not covered, however they have admitted liability and are paying up.

Just remembered all Motability bods are insured on the Motability scheme which is underwritten by Royal SunAlliance, their offices in Liverpool deal with all claims on those policies.

Email me at work if you want more details
lee.jones@corries.co.uk

[palerider325icab]

How do i start to get nasty he has nothing to lose.I was also told by a few mates at work that as i am fully comp i can drive anybodys car with there say so,so in a round about way i am still insured.
What do i do now what should i do first thing in the morning.Its his fault that i know but where do i start.

[palerider325icab]

I have got his insurance details so do i give them a ring or do i phone mine first.Or do i just forget the whole thing and take it as an expensive lesson.

Ryan

[E30BeemerLad]

Email me at work in the morning with his policy number and I will make a call to his insurers for you.

Odds are he probably hasn't bothered to notify his insurers of the incident so they'll do nowt at first and will want it putting in writing to them.
They will then write to him with a claim form and ask him to fill it in, he will be a toss pot and they will probably then want to see witness statements etc, so send them the letter you get from the witness. They should eventually concede defeat and agree to pay the repair costs to your car. In the meantime get yourself a repair estimate from 2 garages and be ready to send it to his insurers.

Just contact me for any tips etc.

Don't give in on this one

Final comment - apolgies for the long post...

The driving other cars extension on Fully Comp policies only applies to other cars you don't own. So driving a friend's car with their permission etc. It doesn't cover you to occasionally drive a spare car you might own otherwise we'd all insure 850 minis and drive our e30's

[tourer-dan]

It's probably worth adding that if you want to drive another car (not belonging to you as stated above) on your own policy , but only covered third party, that vehicle still has to have valid insurance in place.

IE; If I want to drive my mates car on my own comprehensive policy, his car must still have insurance, even though it doesn't cover me to drive it. Again, this stops people owning exotic cars in someone elses name then driving it around.

[E30BeemerLad]

:yeahthat: too

[Brianmoooore]

It's probably worth adding that if you want to drive another car (not belonging to you as stated above) on your own policy , but only covered third party, that vehicle still has to have valid insurance in place.

IE; If I want to drive my mates car on my own comprehensive policy, his car must still have insurance, even though it doesn't cover me to drive it. Again, this stops people owning exotic cars in someone elses name then driving it around.

This one comes up often on other forums, and I've yet to see a definative conclusion. Also, what if the borrowed car is omned by a trader,and on trader insurance?

[Martinaston]

The way my insurance work is i'm allowed to drive another car as long as it is fully insured and taxed and MOT'd so that if someting like whats happened to you occurs when no one is in the car the owners policy covers it.

As for getting nasty with him, in my experience most people that are on the Mobility scheme claim disability benefit fraudulently.
So film him without his walking stick and then grass him up if you realy want to be cruel

[beardymat]

having worked in a couple of bodyshops that repair mobility insured cars i have seen that a lot of the drivers wont admit liability as they are then open to an excess payment,this may make things difficult but dont give up!!! how can you be at fault when you wasnt even in the car????
i urge you to talk to e30beemerlad before anything else as he seems to know what hes on about

[Quaser]

have you considered poeple like Helphire?

Q

[tourer-dan]

It's probably worth adding that if you want to drive another car (not belonging to you as stated above) on your own policy , but only covered third party, that vehicle still has to have valid insurance in place.

IE; If I want to drive my mates car on my own comprehensive policy, his car must still have insurance, even though it doesn't cover me to drive it. Again, this stops people owning exotic cars in someone elses name then driving it around.

This one comes up often on other forums, and I've yet to see a definative conclusion. Also, what if the borrowed car is omned by a trader,and on trader insurance?

Trader insurance is very different to private insurance. To be honest I'm a bit out of my depth commenting on all this, but when I worked at a car dealers we would send customers out for test drives with a set of trade plates (which I understand just provides the 'road tax') Our own trader's policy would cover them to drive the car.
I had my own traders policy for a while which covered me to drive any car up to a certain value, but didn't include any one else to drive my cars, so there must be lots of options available. It's up to the trader to know what he has and to make sure whoever is driving his car has adequate cover, even if they have to provide their own.