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.