Advice on Door Damage sustained

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

  1. Spuffington
    Offline

    Spuffington Staff Member Admin Site Supporter

    Joined:
    Jul 31, 2015
    Messages:
    2,041
    Likes Received:
    1,049
    Location:
    Frankfurt am Main, Germany
    Ratings:
    +1,326 / 1 / -1
    Sorry to hear that @aldo - fingers crossed he sees sense.
     
    • Like Like x 1
  2. a.s.uk
    Offline

    a.s.uk WARLORD

    Joined:
    Aug 1, 2015
    Messages:
    1,097
    Likes Received:
    335
    Location:
    Sheffield
    Ratings:
    +571 / 1 / -0
    Ouch
    What a dickhead…..( him I mean..)


    Sent from my iPhone using Tapatalk
     
    • Agree Agree x 1
  3. Mieke
    Offline

    Mieke WARLORD Site Supporter

    Joined:
    Sep 8, 2015
    Messages:
    2,922
    Likes Received:
    1,056
    Location:
    Cheshire
    Ratings:
    +2,200 / 2 / -1
    A word of warning about making an agreement with the lad responsible for the damage.

    Many years ago, a young chap in a mini, trying to impress his girlfriend and driving like a lunatic, lost traction and hit the front of my car, damaging the bumper. I was stationary when he hit me. He was reluctant to do it through insurance because of his age, and agreed to pay for my damage. The promised cheque never appeared and after numerous phone calls, I tracked him down to the garage where he was an apprentice mechanic. After threatening to tell his employer, he eventually agreed to pay up in instalments.

    So make sure that you get an admission of liability in a legally binding statement. People can be very fickle and dishonest when money is involved.
    Unless you are absolutely certain of his commitment, I would personally put it through insurance.
     
    • Like Like x 1
    • Agree Agree x 1
  4. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    So the latest is that he has offered to pay £350. I said no (I'm messaging this through my wife who is piggy in the middle) and asked for insurance details.

    I now have those and his address which is the golden nugget for me.

    He has since upped his offer to £450. So I've replied and said £500 and draw a line under it. This is on the basis that the BMW quote could still go up as a photo estimate, I doubt they would but not impossible.

    Wise words thank you Mieke, will definitely be getting a letter drawn up if he is either going to pay me in installments or admitting liability for the purpose of claiming through the insurance.
     
    • Like Like x 3
  5. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    Settled at £475 with him. He’s going to draw up an agreement to repay me so once I get that will get it booked in.


    Sent from my iPhone using Tapatalk Pro
     
  6. edthefed
    Offline

    edthefed Site Supporter

    Joined:
    Sep 19, 2015
    Messages:
    749
    Likes Received:
    283
    Ratings:
    +512 / 1 / -0
    Bit cheeky admitting liability and offering to pay but only about 85% of the lower estimate !
    I would be tempted to draw up my own "agreement to pay" including an admission of liability, dates / amounts of payment and also consequences of not paying and get him to sign that, anything he draws up is likely to favour him
    You are providing "credit" to him and its normally the credit provide whose terms and conditions have to be complied with.
    Maybe also contact the insurers to let them know an agreement to pay is in place and if he does not pay a claim may be made ?
     
    • Agree Agree x 1
  7. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    Yes it is cheeky, I guess these are the types of some people.

    Agree about the agreement, I'll see what he comes up with and take it from there.

    I'm just focusing on that it could've been worse where by I didn't know who made the damage and I would've been out of pocket my insurance excess / increased premiums or the full cost of the work itself.
     
  8. mach one
    Offline

    mach one WARLORD Site Supporter

    Joined:
    Feb 6, 2016
    Messages:
    2,712
    Likes Received:
    1,077
    Ratings:
    +1,858 / 1 / -4
    sorry that you are struggling to get any real movement here but i am not really surprised. as l said before they seem to think a little ding means a little bill but we know that that is not the case

    l had similar with a guy from Mold north wales. his son was more interested in the bacon butty that he was holding on to with both hands and left the car door smash into my cars drivers door causing a large ding

    His dad was all for paying for the repair and did not want to involve the insurance and stupidly l trusted him. the estimate was about £190.00 and he was all "get it sorted and send me the bill and l will pay no problem" no cash upfront as he thought l would keep his money and not repair the door

    l sent him the bill and he then offered to pay half then he couldn't afford half and and could he pay monthly. in the end he told me he wasn't giving me another penny and only covered 25% of the cost of repair before telling me to jog on

    so for me it would have been straight to insurance as once bitten twice shy
     
    • Like Like x 1
  9. GunRunner
    Offline

    GunRunner WARLORD Site Supporter

    Joined:
    Aug 1, 2015
    Messages:
    1,413
    Likes Received:
    394
    Location:
    Witney Oxfordshire
    Ratings:
    +643 / 1 / -2
    It never pays to do ding repairs (caused by others) no matter how small they are without involving your insurance. Never!
     
    • Like Like x 2
  10. edthefed
    Offline

    edthefed Site Supporter

    Joined:
    Sep 19, 2015
    Messages:
    749
    Likes Received:
    283
    Ratings:
    +512 / 1 / -0
    Some dealers are offering interest free credit on repairs ( spread over 4 x payments)

    Credit provided by an outside company and no mention of it being secured against the vehicle

    Wonder if your dealer does it AND whether the offer would extend to circumstances like this if you took the lad along with you and he took out the agreement ?

    Any risk of default would be on the finance company not you

    Sandal BMW gives the following -


    Drive Now, Pay Later service is an alternative payment option for anything within aftersales. If you have an unexpected servicing bill, want to enhance the look of your BMW or pay for a repair, you may want to spread the cost.

    The process is simple with no Credit check and no APR. Application is online and there is a 95% acceptance rate.

    Take a look at the video for more information on Drive Now Pay Later or talk to your service advisor
     
    • Informative Informative x 1
  11. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    Sorry to hear Mach one. I fear this will go the same way.

    He’s not been too communicative today. I messaged him before asking how the repayment plan and agreement were going and got a short reply that he’s in the process of sorting it.

    Not sure how it takes so long to work out a small repayment but hey ho.


    Sent from my iPhone using Tapatalk Pro
     
  12. mach one
    Offline

    mach one WARLORD Site Supporter

    Joined:
    Feb 6, 2016
    Messages:
    2,712
    Likes Received:
    1,077
    Ratings:
    +1,858 / 1 / -4
    mine was a good few years back and on a ford Mondeo rather than a BMW X5 so repairs were a bit more reasonable but l had the same as you " l don't think we should have to pay because he didn't do it deliberately it was an accident"

    Hello that's what your insurance is for to pay out when you have an accident

    l feel your pain because you try to be the good guy and help these idiots out and they just take the piss and walk all over you
     
    • Agree Agree x 2
  13. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    Thank you, that could be an option, I will take a look.

    Their house suggests they aren't too short of money so would be accepted I imagine!
     
  14. Paul Markwick
    Offline

    Paul Markwick

    Joined:
    Nov 26, 2021
    Messages:
    90
    Likes Received:
    32
    Ratings:
    +34 / 0 / -0
    I had a car side swipe me on the A34 just south of Newbury. He was coming onto the main road from the on ramp. We both pulled over. The damage wasn’t huge, just the rear PU. He offered to pay. I took all his details. We have a great body shop in the village. The estimate was about £300 iirc. I put the guy in touch with the body shop as he wanted to pay them not me. No issues, it all went through. I guess I was lucky?
     
    • Like Like x 1
  15. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    Yep lucky.

    I remember when I was younger. I was on a MINI run out in north wales near Bala.

    On the run, I was going around a corner and my back end kicked out and hit an oncoming vehicle.

    I did the right thing and turned around. Damage wasn’t too bad but I paid cash to have all her car repaired and for her taxis to work. She just sent me the receipts and I paid them. I think it totalled just shy of £1000.

    She was very appreciative of me doing the right the thing. Just a shame we aren’t all like that.

    Still not heard anything by message or call from the young fella (I say young I found out he’s 22)!

    I figure he’ll see my wife tomorrow in work, so will see what that brings.

    Also I never did find out why my back end kicked out. I did have a mix of run flats on the front and non RF on the rear, or vice versa.


    Sent from my iPad using Tapatalk Pro
     
  16. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    The boy came good and received the money.

    Look forward to getting the repair done and serviced now!


    Sent from my iPhone using Tapatalk Pro
     
    • Like Like x 4
    • Winner Winner x 1
  17. Wynne71
    Offline

    Wynne71 WARLORD Site Supporter

    Joined:
    Apr 3, 2019
    Messages:
    2,724
    Likes Received:
    1,010
    Location:
    West Midlands
    Ratings:
    +1,485 / 1 / -3
    That is great news.

    Some faith restored in humanity!
     
    • Agree Agree x 2
  18. aldo
    Offline

    aldo Site Supporter

    Joined:
    Dec 11, 2019
    Messages:
    640
    Likes Received:
    196
    Location:
    On the border!
    Ratings:
    +271 / 0 / -3
    Yes, I do empathise with him based on the cost, if it was a run of the mill (is that a saying?) car, I'd be like ah don't worry about it or look for a cheaper repair alternative.

    I said I respect him for owning up as many would've have driven off and "owning" it (well almost minus the £70 odd.
     
  19. snrbrtsn
    Offline

    snrbrtsn WARLORD Site Supporter

    Joined:
    Jul 30, 2015
    Messages:
    2,480
    Likes Received:
    966
    Location:
    Aberdeen
    Ratings:
    +1,572 / 0 / -2
    What a relief for you!
    Well done that man for admitting and following through - legend!
     
    • Agree Agree x 1
  20. edthefed
    Offline

    edthefed Site Supporter

    Joined:
    Sep 19, 2015
    Messages:
    749
    Likes Received:
    283
    Ratings:
    +512 / 1 / -0
    Good result - BMW might even decide the cost is less than the quote :cry:
     
    • Like Like x 1

Share This Page