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-   -   Advice needed re insurance claim (https://www.pprune.org/jet-blast/621165-advice-needed-re-insurance-claim.html)

Stu666 4th May 2019 11:49

Advice needed re insurance claim
 
Looking for some advice regarding a vehicle that has struck and damaged one of my fence posts.

There is a lane running down the side of my house, the entire boundary which is fenced. Last weekend a young lady managed to hit a concrete fence post, cracking it in the process and also cracking 3 concrete gravel boards. The wooden panels themselves seem OK. Her car was rendered undriveable and subsequently removed on a recovery truck.

To the young lady's credit, she did knock immediately and inform me of what had happened, and we swapped details. She said that she intended to put the damage right, either paying for it herself or via her insurance. This was nearly a week ago and I've heard nothing since.

I do have home insurance which covers this type of damage, but I am unsure on whether to I need to contact my insurers? Would they deal with this sort of thing even if I am not making a claim myself? Or will it all need to be dealt with via the lady's insurance? (Assuming she's not coughing up herself)

cattletruck 4th May 2019 11:58

Contact your insurers and tell them that the lady has admitted full liability for the damage. Then give them her details - which you hopefully have taken.
Your insurance company should be able to deal with it from there at no cost to you.

Effluent Man 4th May 2019 15:06

Some years ago, while sitting watching TV, we were startled by a loud bang. A young man in a souped up and heavily spoilered Metro had succeeded in taking out my entire front fence that faced the road. This took a bit of doing, we were in a 30 limit and he appeared have spun through 180 degrees and travelled backwards for the full length, some twenty metres. Hs insurance just sent some men and we received free and gratis a new fence. Pretty good considering that the one we had, although sound, was probably quite old.

Sallyann1234 4th May 2019 16:56


Originally Posted by cattletruck (Post 10462714)
Contact your insurers and tell them that the lady has admitted full liability for the damage. Then give them her details - which you hopefully have taken.
Your insurance company should be able to deal with it from there at no cost to you.

Exactly the right answer.

419 4th May 2019 18:00

There is nothing stopping you contacting the insurance company that covers the vehicle concerned and making a claim directly with them.
Provided that you have the registration number of the car that did the damage then for a 4.50 fee, you can get the policy details here:
https://www.askmid.com/askmidenquiry.aspx

NutLoose 4th May 2019 18:17

Out of interest did you take any photographs, they are always handy to have if the other party plays up, it's pretty much cut and dry if you have photos of her car embedded in your fence.. When I got rear ended I took loads showing the damage, both vehicles and the traffic light / roundabout, which I emailed to the insurer when I informed them I had some.

racedo 4th May 2019 19:37

5-6 years ago when living in hilly area I forgot to put handbrake on car after a long days driving and massive traffic jams on M25.

Car rolled 50 metres across and down road and managed to kiss and crack a concrete fence post, 3 metres further it was in a garden and it would have landed onto a car. Knocked on door and told them what happened, they never heard anything and wouldn't have known.

They got couple of quotes around 550 and then a guy who said he would replace fence post, concrete it in for 100. He came did the job for 100 and got paid. No insurance spoken to or needed.

OP would suggest get a quote with fence post that needs replacing, if gravel boards really don't need replacing and the crack make really sod all difference then don't do them. If maybe that a local guy can do it for 150 so call up the lady concerned and tell her price and get her to pay for it upfront direct to him

You can try and do it all on insurance and it cost 750 after everybody rakes in their profit or get someone to have a look and do it and only do what is necessary. Lady lost her car and lets face it that is more of a concern to her than your fence, act reasonably and not only find it gets paid and done quickly.

Gertrude the Wombat 4th May 2019 20:34


Originally Posted by racedo (Post 10463005)
5-6 years ago when living in hilly area I forgot to put handbrake on car

And forgot to leave it in gear?

That's a bit like shutting down an aircraft engine by turning off the ignition, then turning it back on again, then getting out and leaving the aircraft, so that the slightest breath of wind will start it up again, no?

Making one of those errors should hardly ever happen, making both at once should be pretty well impossible?

racedo 4th May 2019 21:10


Originally Posted by Gertrude the Wombat (Post 10463038)
And forgot to leave it in gear?

That's a bit like shutting down an aircraft engine by turning off the ignition, then turning it back on again, then getting out and leaving the aircraft, so that the slightest breath of wind will start it up again, no?

Making one of those errors should hardly ever happen, making both at once should be pretty well impossible?

True, 6 hours in a car for a 100 mile journey will do that to you.

jimtherev 4th May 2019 21:36

I loved my GT Citroen back in the day. But the one thing that caught me out was that when the suspension sank down over a few hours, it let the handbrake cable slack just enough for it to drift off downhill. Caught me once, which I put down to my carelessness, but the penny dropped after the second time. No damage either time, as I turn the wheels slightly curb-wise. But could have been expensive for someone.

Gertrude the Wombat 4th May 2019 22:11

OK, let's be honest now, I did once leave my car parked with the handbrake on but (for some reason I don't recall) not in gear. And the handbrake was sufficiently ******** that the car rolled backwards a couple of feet.

Over a row of nails in the tarmac designating the boundary between private land and the public highway.

So I got a parking ticket, despite the fact that when I'd left the car it had been entirely on private land.

So I had a choice: (a) pay the parking ticket, or (b) challenge it on the grounds that I didn't park the car where it was found, it only ended up there because of an unroadworthy handbrake.

I chose (a).

ex82watcher 4th May 2019 23:08

Almost 30 years ago,just a few weeks after I moved to this house,I was awakened in the early hours of the morning by a bang/bump.Rolled over and went back to sleep,but when I went down the following morning,I found that my VW Golf,which had been parked since the previous afternoon,had rolled about 20-30 feet down the drive into the garage door,which was smashed.The door was in a bad state of repair,and was due for replacement anyway,so as there was no noticeable damage to the car,I think I claimed on the house-hold insurance for a new door to be fitted,and actually felt that I had benefited from this mishap.However,within only a couple of months,exactly the same thing happened again,though there was less damage to the now,new door,and I paid for the repair from my own pocket.I honestly can't remember what my practice was beforehand,but ever since,I have always left any car in-gear when parked.

UniFoxOs 5th May 2019 07:48

Handbrakes on discs - discs get hot and expand while driving, cool down when resting and shrink away from the pads. Always put them on extra hard. Handbrakes on drums, drums shrink as they cool and automatically come on harder.

RatherBeFlying 5th May 2019 17:00

The lady already has a claim with her insurer which will likely increase her premiums for some time.

Agree fully with contacting your home insurance company who will look after repairs and recover from her auto insurance company.

I buggered my then boss's garage door when it came down on a bin. His insurance contacted me for recovery and I supplied my insurance details.

NutLoose 5th May 2019 18:46


Originally Posted by UniFoxOs (Post 10463330)
Handbrakes on discs - discs get hot and expand while driving, cool down when resting and shrink away from the pads. Always put them on extra hard. Handbrakes on drums, drums shrink as they cool and automatically come on harder.

Yep, Ask the CAA, many moons ago JCB bought a new Falcon, think it was a 2000, they needed a stick shaker installed as it was the first on the UK register, even though not needed apparently, CAA did an air test then parked and chocked on slight gradient, in they all went inside the hangar and the brakes cooled and released, the said brand new jet hopped the chocks and trundled backwards smashing into their hangar doors :D

Stu666 7th May 2019 18:44

Thanks for the advice all, the lady in question has since been in touch and advised that her insurer will be in touch soon to arrange repairs. Still unsure whether I need to bother contacting my insurer?

In answer to previous questions - the fencing was professionally installed less than a year ago, so I want to ensure the replacement materials and workmanship are of the same quality I paid for. I've had too many negative experiences in the past where the culprit has persuaded me to take the DIY option in order to save money (to their benefit, not mine).

Pontius Navigator 7th May 2019 20:56


Originally Posted by Stu666 (Post 10465650)
Thanks for the advice all, the lady in question has since been in touch and advised that her insurer will be in touch soon to arrange repairs. Still unsure whether I need to bother contacting my insurer?

In answer to previous questions - the fencing was professionally installed less than a year ago, so I want to ensure the replacement materials and workmanship are of the same quality I paid for. I've had too many negative experiences in the past where the culprit has persuaded me to take the DIY option in order to save money (to their benefit, not mine).

Stu, it is no skin off your nose to inform your insurer. Make the point you are not claiming. They will in all probability say thank you and leave it there.

As for matching, when my gate post was knocked over I got my builder to give me a quote, their insurance company was happy and gave me the cash. Get your own quote too for like for like. If the insurers contractor does not do it to your satisfaction you can point out that your man could have done the job.
​​​​​

NutLoose 8th May 2019 20:26


Originally Posted by Stu666 (Post 10465650)
Thanks for the advice all, the lady in question has since been in touch and advised that her insurer will be in touch soon to arrange repairs. Still unsure whether I need to bother contacting my insurer?

In answer to previous questions - the fencing was professionally installed less than a year ago, so I want to ensure the replacement materials and workmanship are of the same quality I paid for. I've had too many negative experiences in the past where the culprit has persuaded me to take the DIY option in order to save money (to their benefit, not mine).

Fence near me which was huge in length had a car cross a junction and go through it, the wooden panels would never match the ageing panels so the whole fence was replaced, it depends on the quality of the insurer, when Carlisle had the floods, some houses had the kitchens replaced but the water never reached the wall units so they were left with the old items, others i know carried chairs upstairs but the sofas were ruined, they ended up with none matching three piece suites, others got the lot replaced. At the end of one street a better insurance company turned up with an insurance company portacabin to deal with their clients, others were not so lucky.

G-CPTN 8th May 2019 20:36

There was serious flooding here (at the same time as the Carlisle floods).
Those affected had widely differing results from their insurers - some were just dried out whilst others had all internal timbers renewed (all were affected to the same depth).

troppo 9th May 2019 12:52

Aahh...the old I have an insurance policy nugget. Yes you purchased a policy and paid money but that don't mean diddly without policy wording. They often don't match and that's when the fun begins.


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