Parked my car last night outside friends house between two parked cars. Was a tight space but was a good bit of parking. I nudged the car behind at 0.001 mph, literally a light nudge. Neighbhour comes out saying i had 'hit' her car . I said i didnt 'hit' it but only slightly nudged it. She said 'oh it happens down this road all the 'time' I said sorry anyway.
this morning note on my car from neighbour asking for my insurance details. There is no damage, no mark, no scratch, no dent, no paint scuff - nothing at all. Not sure what this woman is going to claim for. If there is no damage do i have to give insurance details?
2006-10-26 21:17:33 · 19 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
the thing is there is NO damage - im not being defensive but there just isnt and therefore nothing to repair???!!
2006-10-26 21:22:35 · update #1
and therefore what is the neighbour going to report?
2006-10-26 21:24:09 · update #2
take a photograph of both cars, and keep on file, just in case.
2006-10-26 21:20:48 · answer #1 · answered by red beret 4 · 0⤊ 0⤋
First get a witness to examine the cars and be able to say there is no damage. If there is no damage she cannot claim for any. Then contact your insurance company and report this too them. You are obliged to do this anyway as it is a contract of uberrimae fidei which means of greatest good faith and your insurance must be told everything. It does no harm to give her the insurance details. Now this brings out a very important point. When dealing with something that involves your insurance company admit nothing. What you should have said was "No I did not hit your car" and leave it at that. If she then asked for your details give them and report it to your insurance but tell them you nudge the car. Hope this helps
2006-10-26 21:32:25 · answer #2 · answered by Maid Angela 7 · 0⤊ 0⤋
after a collision you are required by law to stop, report and remain.
Stop the vehicle, which you did.
Report it to the Police.
Remain at the scene for a reasonable amount of time.
You complied with 2 of the requirments. As there was an agreement on the incident you did not need to call the police.
As it has transpired you would be better off reporting the incident 'for information purposes'
The police will need to see your driving licence and insurance, they will keep a record of these and ask you to make a statement of what happened. They will also call to see the other party and get the same details from them.
You have now complied with the legal requirments. The reason for doing this is so she cannot blame you for a 'hit and run'
If she still wishes to make a claim through your insurance she will now need a solicitor who will be willing to take it on and he will contact the police for your information. Even if she finds one bone enough to do this, your insurance company would send an assessor to examin the vehicle. I think she would very quickly loose heart.
You have nothing to worry about.
Before going through all that, just knock her door and ask what she wants the insurance details for. You are only obliged to give her your name and address and vehicle registration. She is also obliged to provide the same.
Oh.....and tell her to crawl up her own anus...from me
2006-10-26 21:32:50 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Yes you do have to give your details, you had a bump, even at .001mph.
I'd make sure you try to document the lack of damage, and any existing damage to her car.
You're at your frends house, have they got a digi camera, maybe take some pics ?
Maybe she's after compensation for mental disturbance...she does sound like she's halfway to a nutter !
Also sounds like she is very sentitive because there are lots of bumps nad cars in the road, we all have a bad day sometimes. If you have no cuased any damage why not just go with the flow and let here have the details. but make sure you document the cars condition
As you say, its unlikely there is any damage but what if you've popped all the bolts holding her bumper on and when she drives fown the road it falls off, unlikely I know, but stranger things have happened.
She might do nothing with the details if she drives off today and realsies nothing is wrong.
2006-10-26 21:28:01 · answer #4 · answered by Michael H 7 · 0⤊ 0⤋
Ignore it. If she goes to the trouble of contacting the police then they will look at her car and tell her to stop being silly. The police do not have time for this kind of stuff so will not want to get involved.
Do not inform your insurance company yet as you have not had an accident.
Are you absolutley sure they is no damage at all to the car, not even a slight scratch on the bumper. If there is you could alsways offer to polish it out.
Edit: Flyboy is incorrect. You do not need to report an accident to the police unless someone has been injured. As no one has been injured the police will not be interested.
2006-10-26 21:33:34 · answer #5 · answered by PETER F 3 · 1⤊ 0⤋
YES! Tell the insurance company absolutely everything. Insurers make money out of premiums, they do not like paying out. So, if they get information from this woman's insurers that you have been involved in an accident, the insurers can sit on the information. When it comes to a time when you want to claim for an accident, the insurers will use it against you to attempt to avoid paying out on the claim.
Because you have not divulged all information to them, they can say they did not have full knowledge when they entered into the insurance contract with you, thus they could not make a proper decision as to whether you were insurable at the price they quoted you to pay.
2006-10-26 23:17:50 · answer #6 · answered by willliewaggler 3 · 0⤊ 0⤋
If theres no damage then don't worry!! Just wait for the old bill to turn up which will take about three months!! NO DAMAGE NO CLAIM!! Or pop round there tonight armed with your digital camera take a picture and place on her car and say no damage no insurance details!! What is the world coming to!!
I happens all the time in our street!!
2006-10-26 21:24:00 · answer #7 · answered by Lisa P 5 · 0⤊ 0⤋
Did she have anything else that was damaged previously, like a scratch or dent? Cos she could be trying to claim for that off of you! Either way, I'd go and see her and ask why she's left the note, and that there's no damage so what does she want to claim for. Definitely get photo's today, because she might be nuts and decide to damage her own car!
2006-10-26 21:24:42 · answer #8 · answered by Anon 4 · 0⤊ 0⤋
If you gave another vehicle a nudge then it wasn't as good a bit of parking as you thought it was, you bloody idiot.
Even so, a slight nudge producing no damage is hardly a call for insurance companies to get involved. If I were you I'd tell the woman to f**k off, adding that if she hadn't have parked so tightly, you wouldn't have practically needed a f**king tin opener to park your vehicle.
2006-10-26 21:34:12 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Yes, take pictures of the vehicles, and let her know your insurance info. They will investigate, inspect her vehicle, and pay for any damage they might find that's related. Sometimes the naked eye misses slight damage, so giving this the benefit of the doubt there is no point in inciting her and having her tell her insurance and then having them get in touch with you for the same information.
2006-10-27 09:29:23 · answer #10 · answered by Chris 5 · 0⤊ 0⤋
Tell her to get a written quote for repair of the "damage".
Or better still, arrange one yourself.
Also tell her you are willing to pass your insurance details to the police, or if she decides to take court action, but not before.
The European legislation on bumpers is that they must be able to absorb a specified impact at 4km/h (about 2.5mph) without damage.
If her car is a recent car first registered anywhere in Europe (UK, Ireland, France, etc.) it will have bumpers that meet this requirement.
2006-10-26 23:52:19 · answer #11 · answered by Neil 7 · 0⤊ 0⤋