Someone crashed into my parked car. What now?

Jackson P

Give all the details to your insurance company, they will probably wait until the other persons insurance company contacts them, but you need to lodge a complaint if they fobbed you off and won't register it.

The repairs do not come out of your insurance but rather the person who caused the damage in the first place.

Guardian angel

If you are insured third party that means that they are only liable for claims made against you by a third party.It's now up to you to pursue a claim against the person that damaged your car through their insurance company

Outspoken but Honest

I always feel in these instances it`s better to have the police involved as you can then use the policeman's number for future reference.

Daz

your insurance company wont do anything...get a quote for your car (in writing) contact the person you are going to claim off and give him a COPY of the quote. get his insurance tel. no. too.anymore probs after that, go to police if they dont do anything

migdalski

As you are only third party, they are only obliged to pay up if you damage other people's cars. If you have all names and addresses with witnesses, the only thing you could try is to sue the driver who hit your car in the Small Claims Court for any repair bills.

Geoff the skier

You in the UK? If so:

You can claim on your policy if it's a comprehensive policy. If it's TPF&T then obviously your insurer will not be interested.

Otherwise you must claim from the negligent motorist.

Edit - whoever gave me the thumbs down - yeah what do I know? I'm only a Chartered Insurer with 36 years insurance experience.

Air

call your insurance company. Have you got the person's number etc? They are the ones who HAVE to pay

Hawk

Did you get a police report ? Call the others insurance or your insurance. Since it was not your fault. They have to pay up.

semi273hemi

Watch this. Did you call the police and get a accident report?

Good Luck,

BRENDA W

I'm not an expert on this,however I would suggest you take a tour here http://www.CarInsuranceFree.info/free-car-insurance.htm ,there are expert's tips there

Fellside13

You claim off the owner of the car that hit yours. He/she then claims off the other party if he/she was not to blame.

It can be a long drawn out claim and you cannot do anything until it is sorted. (Was third party insurance such a good idea at cost saving now?)

Michael S

See a solicitor. You can claim by civil suit in Court. Your insurance company are unlikely to help. If you belong to AA/RAC, they will advise you. Likewise, if you belong to a trades union, their legal dept. are there to help members. You may wish to complain to police as you witnessed the incident, they may charge the driver who caused it. That will improve your case should you go to court.

Buddha

Unfortunately if you have third party, fire and theft insurance, they will not pay out. It hasn't caught on fire or been stolen and the third party aren't claiming from you.

Luna & Lawnboy

Your insurance company only provides you with assistance for those coverages you purchased. If you were at fault for the accident, they would take the info and complete an investigation. They would determine whether or not you were legally liable for the damages. They are not an agent, and they are not your representative.

If you have an agent, contact your agent. Otherwise, just call the at fault carrier's insurance company. They will take the claim. If they need to, they will seek contribution from the other party.

Emily

ring your insurer, tell them what happened and they will take it from there.

Rixx

Your insurance company should chase the other drivers and use their insurance companies to sort out paying for any damage if your not liable for any of the damage.

lnknprkbabe84

you need to get a price for repairs, and contact them who then need to contact there insurances for the payout to fix your car

notyou311

Notify the police and your ins carrier. You may have to go to Small Claims Court.

Lord_Darkclaw

Before you make a claim try to find out if the damage can be repaired cheaply.

When you make a claim, even though the accident is not your fault and the other driver freely admits 100% responsibilty, you will still lose your no-claims bonus and if you want to change insurer at a later date you'll have to declare the claim which means they will want more money because you were involved in an accident - totally unfair but insurance companies are b@st@rds!

So make sure it's not cheaper in the long run to pay for the damage yourself; if it's just minor damage like a broken headlight you can get one from a scrapyard for Â£20-Â£50 and the other driver might be happy to give you a Â£100 cash to settle it.

If the damage is serious (like if you've got a decent modern car and it needs a respray) then call your insurer and they'll walk you through the procedure. They'll ask you for the number plate of the other car/s and the name/s of the driver/s.

I don't understand what you mean about your insurer not doing anything, they won't proceed with a claim until you have given the go-ahead and the car has been inspected to see what the damage is but they are legally bound to act on your behalf once you have confirmed you wish to make a claim.

Take your car to a local mechanic (there are plenty of guys who work for Â£20-Â£25 an hour) and ask him (or her!) to inspect your car for damage; it should take less than an hour and some won't even charge you a penny if it's just a quick 10 minute look-over that doesn't involve taking bits off.

Oh wait a sec.. third party only..... you are only insured for damage to other vehicles, that's why they won't help.
But you can still sue the other driver (as someone else already said) in small-claims court or just ask them to pay out of court.

YeweyNuggetFiend

You pay the guy a visit but you take along your most trusty friend, Billy the baseball bat.

LEE P

thump em!!

Mr. Grinch

ahhahaahaah serves you right hope you were inside too

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