Car Insurance Question

[Guest]

My son got knocked down by a car a couple of weeks ago, he ran into the road after the ice cream van and then looked to see if any cars were coming, rather than looking for cars when he was on the pavement.

He is ok just a cuople of bumps and bruises.

bloke who knocked him down lives in the same estate as me, he came round to the house this morning saying his insurance had gone u by £232 and he had to pay a £150 excess for his claim (his bonnet was scratched a litlle bit when Jake went up onto it).

he says he wants the £232 from me or his insurance will pursue his claim.

2 questions,

Surely the insurance firm want to pursue me for the actual total amount to fix the car.

if i pay this bloke £232, who says his insurance firm will not try and get any money from me, but the bloke says if i pay he will tell the firm not to contunue anything. But thats rubbish as what firm in their right mind would say "its ok bloke, you get your money and we dont get ours"

i said to him, get the insruance firm to write me a letter saying that if i pay you £232 you will not try to get any other money from me.

its an old pensioner and it wasnt really his fault that he now has to pay the extra on his premium.

what would you do ?

am i liable, is this a moral thing that i just need to pay as the guy is a pensioner, or is he just trying it on to get me to pay his extra premium?

 

[Himse]

Tell him to get fucked

Sorry but he knocked down your boy?
Now he's asking for money cos his insurance has gone up?

Boy's do silly things, it happens.

 

[PLightstar]

Sounds a bit iffy to me.

Let the insurance company handle it, there is nothing stopping him from taking your money and going to his insurance company afterwards.

 

[soze]

If his insurance has gone up by £232 per year it seems like he wants you to pay that rather than him. It looks like his insurace has paid out hence him paying an excess.

Sounds to me like as a result of the claim his insurance is going up £232 a year not his insurance is demanding you pay £232. If it were me i would ask to see proff of his insurance going up and then help him with the cost if it really was not his fault it would be nice to help with the increase.

 

[Lamp]

He ran your boy over. Disregard the fact he's a pensioner. Don't let him play the age card.

 

[Roalith]

I'm betting he's got a quote to repair the damage of £232, and is trying to get you to pay that rather than claiming on his insurance (where he'd have to pay the £150 excess and watch his premium go up).

As the others have said, let the insurance firm handle/get evidence that his premium is increasing that much.

If, as you say as well, the accident is not his fault and you/your son have admitted liability, then afaik the insurance premium should not increase? Sounds very fishy to me.

 

[old.user4556]

Brooky, tell him to go eat a dick; your son may have been killed and this fucker wants recompensed because his bonnet got scratched?

He should be thankful you don't scratch his face along the ground.

 

[GReaper]

Don't pay a thing. Don't admit to anything. By paying for this you could be admitting that it was your sons fault.

Just ignore the groundless threats. He's trying to recover the costs of it by threatening action and hoping that you'll just pay up. Chances are he has no intention of trying to take it any further.

 

[dysfunction]

He has no grounds to claim money from you...

Tell him you are going to sue him for running your boy down due to the fact he is mentally scarred from his experience.

 

[taB]

I'd disagree with the above people.

While you are under no obligation to help him out, if as you say above it was your lad's fault then I personally would consider helping him out with his increased costs.

Conversely, in this day and age letting the companies sort it out covers your arse from any further bull-shit.

 

[Tom]

Brooky if I were you I'd ask to see a written quotation from the garage/bodyshop that will be repairing his car, and come to an arrangement regarding the £150 excess for his claim. He didn't run your lad over, your lad ran into the path of his car. Maybe bung him £100 just to keep him sweet.

If he isn't interested, then tell him you're not either. After all, thats why people have insurance.

If his insurance has increased by £232, thats his tough luck.

 

[Marc]

He should be thankful you don't scratch his face along the ground.

and herein lies the problem with england. "yer, its ok son, it was your fault you got run over, but I will go stick one on the old boy, make me look proppa ard an that"

 

[DaGaffer]

This guy shouldn't be facing an increased premium from his insurance company. It was your son's fault, not his. Comprehensive insurance takes into account this kind of situation (after all, pedestrians aren't insured). My guess is he only has TPF&T and he can't get the scratch repair covered under his insurance so he's scamming you for the costs.

If his insurance company is raising his premiums, he should take it up with them, and actually there's no harm in saying your son was at fault; there's a slight danger that the insurance company could come after you (negligence etc.) but as there's a child and a pensioner involved, they won't, as it would be a PR disaster, and a shaky legal case anyway.

 

[Guest]

i am just confused as to what he expects from me really.


i called his bluff by asking for a letter from the insurance company saying they would not pursue any further costs from me if i gave the bloke the £232.

he said "ok", but i bet you anything he wont even bother ringing them as they do not know anytihng about it, he's just trying it on i think.

he DID run him over, he did have time to stop but didnt stop in time and hit jake. If he had said to me something like "could you help me out with a few quid regarding the excess then i would have said yes ok no problem", i am bothered because i think he is trying to pull a fast one, regardless of his age, so i will wait for this "letter" to arrive from his insurance then (if it ever shows up)

 

[pcg79]

sounds like hes talking bollocks: he wants the 232 either because
a) his premium genuinely has gone up by that much - in which case his insurance wont do anything to you, because theyve already paid out for his claim
b) he repaired the damage privately and got a bill for 232 - in which case his insurance wont do anything to you, because they have no awareness of this incident

in either case, he hit your kid. the kid was near an ice cream van. kids run in the roads. kid could have died.

fuck him!

 

[Binky the Bomb]

Okay, Brooky, harsh reality time.

Yes, He can ask you to pay the premium, and for a reason. The accident was your sons fault, as you have said here, he didn't look out until he was IN the road. The insurance company would ask you to pay the difference if they get involved, and they do tend to take people to small claims court and win. Is their a police report too? Because what is said on one of those is in fact what the court will use to decide.

All he's doing is giving you the easy option. A one off payment to ease the payment this year. However, you MUST get a written agreement about this, so he can't come back later demanding more money. A solisitor can help you their.

The nsurance companies WILL make you pay it each year for 3 years (minimum amount of time for the no-claims to kick in)... and that can get expensive.

The thing about insurance is that its their for when YOU fuck up, not the otherway round. If someone else causes damage to your property, and they don't have insurance covering themselves, then your rates go up to cover the accident costs.

Yes, he did hit your son, but if he had no option in the matter (if your son jumped ut from between parked cars, and not enough room to stop) then yeah, he has a right to ask. Sucks I know but thats how it works, he's not extorting you, he's giving you options.

We had an accident two years ago, a kid ran out from between parked cars at a junction. We'd just made the turn at the T juntion, and were doing maybe 5 miles an hour max. Suddenly, a kid jumped out from nowhere, right into the drivers blindspot, and right into the side of the car. He bounced (luckily) and broke his nose, but wsa otherwise unhurt. I barely spotted a piece of red shirt jump out from the parked traffic, but didn't have time to get ut a warning, by the time I did, he'd already hit and landed.

Kid was fine asside from the bloody nose, and their was no damage to the car. Plenty of witnesses saw what had happened, and yeah, it was unaviodable from our side. The kid had decided to run across the road, and belted across the road without looking (if he had, he'd have seen a car making the turn). He maybe had a split second to stop when we suddenly occupied the space in front of him, so he just ploughed straight into the car.

We were told that if the car was damaged, we could get the family to pay the insurance costs for any damage to the premiums. There was no point, there was no damage to the car, and it wasn't worth getting the insurance company involved (thats what the police recommended). But yeah, we had the right to get the family to pay any increase in the premium... although in the case of my dad it wouldn't have been much.

From what you've said, your in the same situation, from the other side of the situation. However, I would ask you to do one thing before settling on anything... ask to see the letter about the premium increase, and get it verified. There is a 1000:1 chance he could be pulling a fast one. A £200+ increase in his insurance for a minor accident, and someone elses fault, it does sound a little suspect... how old is he? An inccrease of that much would only apply to someone 60+ I think.

 

[Guest]

he is older than 60, i am going to wait for this letter from his insurance as he said he would get one.

 

[MYstIC G]

Erm, unless I'm missing something this asking for cash is bullshit. I say that because unless the insurance system has changed while I've slept you don't renew your insurance immediately after a claim/accident? Add to that fact he'd most likely be suffering a year on year cost increase, it just doesn't add up.

I'd suggest that he's not involved his insurance company. This £232.00 is about £197.45 + VAT which I'd guess to be 2 hours labour @ £70 plus some paint to fix his motor.

Anyway, if you choose to give him money, get a signed and witnessed written agreement from him that that payment is the end of it, i.e. full and final.

To more important things, how's Jake doing? What did the Doctors say about all this?

 

[Guest]

Jake is fine now, he actually ran home after it happen, bruised back and hip, he is ok now, we went to the hospital and he had an x-ray which showed nothing brokwen and a urine test to see if he had any internal bleeding, that was ok as well.

i agree with meg on this one, i _could_ go round to see him but i think i will wait for this "letter" to come from his insurance firm, i won't bother about it until he either shows up with this letter or shows up with some other relevant info.

 

[Ezteq]

i think your doing the right thing. im glad your boy is ok, we all know kids will do silly things...its part of the fun of being a kid.

just because the guys a pensioner does not make him
a) honest or trustworthy
b) automatic victim
c) right

ive known some right ropey old sods in my time and all of them would insist they were the werthers original grandparent! make sure your covered and if you can help out amicably then great but dont leave yourself open to get screwed....no one wants to get screwed by a grandad unless theyre a granny!

 

[Scouse]

Hmmm:

My son got knocked down by a car a couple of weeks ago, he ran into the road after the ice cream van and then looked to see if any cars were coming, rather than looking for cars when he was on the pavement...

followed by:

Tell him to get fucked...

He ran your boy over...

Brooky, tell him to go eat a dick...

Don't admit to anything...

fuck him!

And the Moral of the Story?

If you're unlucky enough to be in an accident check whether the person you hit is a twat - and if so put it in reverse...

Might as well be hung for a sheep as a lamb eh?


Glad your kid's OK m8.

 

[Jupitus]

ive known some right ropey old sods in my time and all of them would insist they were the werthers original grandparent! make sure your covered and if you can help out amicably then great but dont leave yourself open to get screwed....no one wants to get screwed by a grandad unless theyre a granny!

The rope was YOUR idea!

 

[Rubber Bullets]

Brooky,

The best place to ask this question that I know is 5ive-o. They have police, magistrates and insurance people regularly posting. With your permission I'll cut and paste your original question over there and we'll see what they say.

RB

 

[Lethul]

Brooky, tell him to go eat a dick; your son may have been killed and this fucker wants recompensed because his bonnet got scratched?

He should be thankful you don't scratch his face along the ground.

r-tard

 

[old.user4556]

kids shouldn't use the net