Advice on Door Damage sustained

Discussion in 'General chat' started by aldo, Jan 7, 2022.

  1. aldo
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    aldo Site Supporter

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    Hi guys, any advice on my latest predicament.

    Wife parked the X5 in a retail car park near where she works. It's the usual space she uses and is allocated for staff parking (although not guaranteed).

    Yesterday, a co worked parked his car next to ours and the wind caught his door and smashed in to our X5. It's created quite a ding (see picture) which will need filling and repainting.

    He immediately came in and was very apologetic (at least he owned up). After wife called me, I said two options, in or out of insurance repair. I don't think at first he expected he would be paying for it, but again still being apologetic said he'd pay for the work out of insurance.

    I have already got a quote from BMW for the repair based on the picture attached, it's £547! It requires a door removal, strip down, repaint and put back. The door badge alone is £50!

    So my pre requisite considerations are, as I am a thinker:

    Insurance - My understanding is that it is covered as although 'private land', it publicly accessed via a public highway, so road traffic act provisions apply. If he went through insurance, would I have to make the claim and then his insurance pay or can his insurance just pay out? I can't comment on his insurance excess, young lad so I expect it won't be too far from the body shop quote. If it impacts mine and I have to declare a non fault claim and pay excess, I don't want to do this!

    Independent Body shop - It's inevitable that other body shops will be cheaper. However again, they will cut corners, leave the door on the car, just respray/repair the damage etc. I was thinking and again I don't see why I should be out of pocket, should I get a quote or two from one of these places, and then pay the difference myself?

    Obligation - Is he even obligated to pay to get it repaired. Could he turn around and say, "stuff you". Not that I think he'd do that, but he could get some really low value quotes, from like dent devil etc and then say well that is what I'm prepared to pay for.

    Any comments advice etc be good to hear.
     
  2. aldo
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  3. MarkGray
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    Ouch, thats not good.

    When someone reversed into my car and drove off, i had the dashcam footage and went via the police to get his details, then i just called my insurance company and they took care of it all, it was a non-fault, so although it was registered on my insurance for the next few years, it hasn't impacted my no-claims or renewal price. If you go through insurance, they will arrange to have the car collected, and have it repaired, mine went to a BMW approved workshop near where i am, it then came back with a guarantee for 5 years on the repair, so i was happy with that, they also used genuine BMW parts (had to wait for new grills to come from Germany).

    Insurance is the best option as you don't have to worry about it, they (the other persons insurance) will pay direct to the repair place, so you don't have to worry, one thing i would get though is something in writing to say he admits fault, i had the police report so i knew there would be no insurance squabble over fault! The other persons insurance may try to make out a 50/50 fault if nothing written down.....
     
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  4. edthefed
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    edthefed Site Supporter

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    You are entitled to have your car returned to its pre accident condition
    I think you have 3 options
    1) present a copy of the estimate to the young lad and ask him to pay
    2) notify your insurance company and let them deal, making sure the car goes to a bodyshop of your choice. If your insurance company recover all their costs it will be a no fault claim and not affect your future premiums / NCD
    3) go direct to the young lads insurance company (he will need to have reported the incident to them) and deal direct with his insurers. Again your choice of where it is repaired and they may just agree owing to the relatively small amount and it avoids them having to deal with a claims management company / sky high hire car costs etc
     
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  5. JasonH
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    JasonH

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    If you go through insurance the fact you have been involved in an accident, whether your fault or not is likely to affect future premiums. The insurance industry simply works on numbers and if you have had one accident your are statistically more likely to have another. It won't affect your NCB but will affect the underlying premium to some extent.

    If you go through insurance, it's the other person's insurance that are paying and they are likely to have their own "approved" bodyshops. "Approved" meaning cheapest. You'll have to argue to use your own but it should be possible.

    If you use a reputable bodyshop I very much expect the exact same standard of workmanship as BMW. Essentially it's down to the skill of the panel beater working on your car. But I would suggest ensuring the bodyshop is approved by BMW to ensure any warranty you have with BMW is not lost. Having said that £547 is a fair price and by shopping around you might get it done for £400, unless you get a "trade repair" which will be the minimum to make it look perfect and could be as little as £200.

    I'd suggest you give the other person the choice to pay the BMW repair price, or go through their insurance. Ultimately it will probably cost that person more going through insurance than paying the £547.
     
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  6. Wynne71
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    Wynne71 WARLORD Site Supporter

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    That is quite an eye-watering bill for such a seemingly small repair, but I can certainly recommend the work my local BMW body shop did on my car. In the summer I badly scuffed the sill on a rock, cost me approximately £430 for a new sill painted and fitted. The job they did was excellent. Absolutely perfect colour match.

    On my previous E92 (Silverstone 2 paint) it had clearly had a smart repair on the passenger door. There was a patch that just didn’t look the same as the rest of the panel. Part of the problem of trying to match a difficult metallic colour.

    Is yours metallic or flat white? I’d imagine a flat white could be easier to match for a smart repair, but I’d still want the job done properly if it were my car.

    Fair play to the young man for owning up, many others wouldn’t bother.
     
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  7. Mieke
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    £547 sounds like a reasonable price, considering that they will prepare and repaint the whole door panel. Plus they should blend the paint with the adjacent body panels to do the job properly.
     
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  8. mach one
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    mach one WARLORD Site Supporter

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    the problem here is people do not expect a near £600.00 bill for what they see as a little car park ding so if you present him with that estimate he will think you are trying to rip him off and you will start having problems

    best route would be insurance as that is what it is for but l would go straight to his insurance to avoid paying my excess and then expecting my insurance to claim this back from his insurance
     
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  9. edthefed
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    edthefed Site Supporter

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    I think i would be approaching it this way....meet with the young lad and get him to admit his liability again.
    Then show him the estimate "i know its a lot of money but that is a main dealer quote and protects by bodywork guarantee, now how do you want to deal with it?"
    And them offer him some options pointing out that if he simply pays you in the long term (increased premiums, loss of NCD) it may well be cheaper for him to simply cough up
     
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  10. aldo
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    Thanks for the replies all

    I've booked it in to be looked at with an 'Insurance Approved' body shop today. This is a body shop that has actually got very good reviews (but then it depends on who has written them and how 'picky' they are)!

    The reason I chose these guys is I'm hoping it's going to be very close if not more to the BMW price!

    I wholeheartedly agree that for the likes of you and I that love our cars, I want the proper job doing and something that a smart repair or dent devil or even proper approved insurers outfit place won't come close to.

    If the price is cheaper and only by maybe £100-£150, depending on my mindset and how the conversation goes at the time of speaking to him, I will:
    • Pay the difference myself and take it to BMW
    • Demand it goes through the insurance - But then as Jason H mentions, it gets complicated with going down their approved body shop route.

    Currently my mindset is I'm likely to foot the difference myself, much to the disgust of my wife, but there you go. The way I position it to her is is it could be a completely unknown party doing the damage and me having to fork out all the bill anyway.
     
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  11. slim_boy_fat
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    slim_boy_fat WARLORD Site Supporter

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    There's no 'if you go through your insurance' here, unfortunately. The terms of your policy will state that you must inform them of any accident, whether your fault or otherwise.

    Failure to do so will invalidate your insurance.
     
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  12. markyboyt
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    If you go through insurance with 3rd party liability you can take it to any body shop you want as long as they can justify the quote is reasonable.
    The same applies for your own liability apart from on a few cheaper policies where it’s a term that you use their approved repairer (Tesco did a basic one that was like that) also quite often a term of the hire car cover is using an approved repairer.
     
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  13. Spuffington
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    Sorry to hear of your issue and be a bit late to the party @aldo. I think your pragmatic approach here is probably the best solution. Shows to the chap that you’re not out to rinse him but also gives you the best outcome (albeit difficult to swallow when not your fault). In the grand scheme of things (and X5 ownership costs) the top up is relatively small for the best job.
     
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  14. aldo
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    I have called them to explain what happened, but it's my call on if to go private or not. He just said to call back up if I want them to claim through his insurance.

    At least it's on record I called.
     
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  15. aldo
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    So I'm back from my independent body shop quote.

    In fairness they were actually ok. Very courteous etc and he seemed to know what he was talking about.

    Straight away he said the paint was blown, so there is no chance of a painless dent removal option. He also indicated they would remove the interior door card and try to fix the crease/dent as much as possible and said that badge would need replacing, I was like yeah I understand they are about £50!

    He said he loved BMW's but they do have their ways, like the tyres need replacing in pairs because of X drive and the % tolerance between the two sides per axle etc.

    So I was actually thinking he knows his stuff.

    The only thing that concerned me was about to get the colour match. He said they might have to spray both driver and rear door to get a good match. But then I was thinking what about the front and rear quarter. So the potential of spraying both doors might just put the price up over the BMW quote.

    He also said that the young lads insurance wouldn't be impacted as I'm not claiming against him directly and that his insurance would cover it if he arranged the repair. Not sure how that would work as he would still have to declare he has made a claim. I'm not going to volunteer that information out as it's not likely to be done at BMW!
     
  16. edthefed
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    edthefed Site Supporter

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    I think he will be referring to "blending" the paint on the doors so that the front and rear panels match.
    Not too sure how is insurance will not be impacted if he makes a claim ?
     
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  17. aldo
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    At yes I think he did mention blending.

    The BMW quote doesn’t mention that, would they apply the same technique or,be able to get a better match? In the past they’ve said they get a truer match due to being able to use the VIN number and paint code together.

    I should get the quote tomorrow so will share when it comes through.


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  18. snrbrtsn
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    snrbrtsn WARLORD Site Supporter

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    Just a point of note and perhaps insignificance
    My neighbour had his car door repaired by Audi, they favoured the door removal, repair and paint without blowing into rear door or front wing. The door jams form solid lines between new and old paint, whilst his car is silver over two years theres significant paint fading or flattening between panels - the repaired door is very noticeable and I’m colour blind! Hate to see what it looks like through a pair of good eyes!
    I’d ascertain the repair method and ensure the repair is blown into the adjoining panels otherwise you’ll have a harlequin car and never be happy!
    I kind of feel for the poor lad, but at the same time………..
     
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  19. a.s.uk
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    a.s.uk WARLORD

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    I’m late to the party too
    I think that £547 is a very fair price
    Ask yourself this…. Could you / we do it for £547…. Nope….
    Door card off, dent removed as far as poss. Some minor filling , sanding colour matching, spraying and blending etc etc…
    Yes they will need to blow it into the other panels or as said above it will stand out a mile….chess board comes to mind…
    I think it’s very fair…
    Like Ed the fed said…. Show the lad the 2 quotes …… get him to stump up for the lot….or as near as damn it…. Get the money up front in case he does a runner …!! And you’ve paid for the repair yourself, hunting him down for what youve just laid out…
    Even smart repairs are running into a few hundred quid these days and I don’t think shame are that good….
    Nothing like a full panel repaint and blow in for the best look out of a sorry situation….
    Good luck…


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  20. aldo
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    aldo Site Supporter

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    Right, had to chase the independent quote today.

    However a well broken down and comprehensive estimate was provided.

    Screenshot of high level breakdown attached.

    Long and short seems to be more money on the paint materials.

    Total, £870!

    So BMW did come out top.

    I met the lad tonight when he finished work. He was a bit perplexed by the quote.

    After a bit of debating, he then referred back to BMW and tried to say what about a contribution towards it. This really got my back up so I said I’m not messing about any more with this and we can go through his insurance. He said the offer was because it was an accident. I said well that’s what insurance is for.

    I suggested he have a think about it and let me know tomorrow. I’ve offered to pay for it and he pay me back in instalments, but I’ll only do this if he puts in writing and signs to this agreement as I’ll go to small claims if he doesn’t.

    I’m hoping tonight he’ll see sense after he’s spoken to his dad who seems to be pulling the strings and just agree to go with BMW privately so I can get it booked in.


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