Go after someone's insurance over a parking dent ?

mondeo · 11-12-2023 09:47PM #1

Grumpy old bastid slammed his door off my car today as I sat in the car park. I wound down my window and told him to be careful and my intention was to leave it at that. He said he couldn't give a "monkey's" and slammed his car door and drove off... Have his reg on dash cam as he pulled out from beside me. Worth the hassle going after his insurance for repair ? His attitude is driving me to go after him, I'd really just have left it otherwise. He will give a monkeys when his insurance goes up. Grumpy old fecker.

HBC08 · 11-12-2023 09:50PM

https://www.boards.ie/discussion/2058326559/go-after-someones-insurance-over-a-parking-dent

I'd say if possible go after him for it.

He'll be more careful next time if nothing else.

teediddlyeye · 11-12-2023 09:53PM

Wouldn't be bothered by a small dent tbh, I'd go after it purely to put manners on him.

mondeo · 11-12-2023 09:59PM

https://www.boards.ie/discussion/comment/121484591#Comment_121484591

This is my position on this. Just to let him know he can't give me the finger and just drove off like he did.

mondeo · 11-12-2023 10:22PM

https://www.boards.ie/discussion/comment/121484640#Comment_121484640

The camera was off as I was parked at the time, when he got into his car I turned the ignition on to capture him pulling out. Wasn't expecting him to tell me to F off and if I was expecting it I would have turned the camera on before I said a word to him. I guess the shopping center camera was beside us and maybe would have caught the incident.

Sono · 11-12-2023 10:26PM

I would absolutely go after him, amazing how people can not give a shite about hitting another door in a carpark, it’s as if it’s acceptable! Best of luck.

Robert Jackson · 11-12-2023 10:39PM

https://www.boards.ie/discussion/2058326559/go-after-someones-insurance-over-a-parking-dent

If you are able to claim against him why not go for it teach him to change his attitude in future my sister had a similar incident with some young lad about 19 who thought he was the big man she wasn't going to bother at first as it was just a tiny dent in her bumper but because he mouthed off she took the appropriate action and it turned out that the clown was driving with no insurance so yes absolutely definitely look into it

PsychoPete · 12-12-2023 06:53AM

100% go after him. I had a very similar experience, old fella hit his door off mine and dented the door. Asked him to cover the cost of pdr as it isn't that expensive but got mouthy with me so I went after his insurance. Doesn't matter how small the dent is, if someone does damage to your car then they should be made pay for it

Oscar_Madison · 12-12-2023 07:53AM

While I’m in agreement with the posters above, only thing on my mind is “claims on your insurance” - if you put in a claim, even though you’re not at all at fault, does it impact premiums or limit you when looking for insurance elsewhere for 4-5 years after the claim - ie the question “have you had any claims on your insurance in the last 5 years?”

If someone can clarify that this would all be well on that aspect because it’s not your fault, then yeah absolutely go for it. I’m just thinking whatever small money it would take to fix your door, what would the impact on your insurance premiums be?

Sunny Dayz · 12-12-2023 08:18AM

You say you have his reg but do you know who he’s insured with?

FishOnABike · 12-12-2023 08:19AM

https://www.boards.ie/discussion/comment/121485448#Comment_121485448

They would be claiming against the other person's insurance, not their own.

Eggs For Dinner · 12-12-2023 08:34AM

You will have to prove he damaged your vehicle. Dashcam of a car moving away from yours won't be sufficient. Is there any paint transfer? Are their any witnesses?. It is possible there is a corresponding dent on his vehicle, so if you lodge a claim against him, they will send an assessor to examine both vehicles.

Unless the circumstances are proved , his insurers will not pay out

Oscar_Madison · 12-12-2023 08:58AM

https://www.boards.ie/discussion/comment/121485477#Comment_121485477

Yeah I know but it’s still a claim even if it’s without fault -

mondeo · 12-12-2023 09:17AM

I don't know who he is insured with, I guess I would give the reg to the Garda and they will forward me on his details when they contact him ? His car was a black 181 Ford Focus.

Marymoore · 12-12-2023 09:18AM

id leave the poor man alone. A lot of the time it’s hard not to brush your door off another car so I’d understand him getting annoyed if you were giving out to him. He has to get out of his car and sometimes hitting a door is inevitable .. I know it’s annoying for you especially if ur car is relatively new but have to try see the other persons side too. I doubt he did it on purpose.. Also 2 wrongs don’t make a right and personally wouldn’t wanna bring stress to another person. Look at it this way, if you weren’t in the car at the time, u probably wouldn’t even know?

12-12-2023 09:38AM

https://www.boards.ie/discussion/comment/121485558#Comment_121485558

If you are in the wrong, own it, the op has said that it was his attitude that is now making him consider making a claim.

Op, I would definitely do it. A panel beater is not going to fix a small dent made by a door for free.

https://www.boards.ie/discussion/comment/121485498#Comment_121485498

This isn’t a court where proof must be beyond doubt. Accidents happen all the time without witnesses or dash cam, the fact that the op has the reg and description of both the event and driver should be enough for the insurer to investigate the claim. At the very least they will contact the cranky fecker for his account, that alone should soften his cough and make him more careful.

artanevilla · 12-12-2023 09:38AM

https://www.boards.ie/discussion/comment/121485558#Comment_121485558

Hitting another persons door is not inevitable.

Can I ask you to please never park beside me and if at all possible never drive?

12-12-2023 09:48AM

Go for him. Should teach him a lesson.

Klopp · 12-12-2023 09:54AM

Regardless of his attitude, I wouldn't let it go if the dent is noticeable and significant enough, cars and insurance cost us all enough money nowadays and it will be you who has to pay if and when the time comes to trade or sell your car.

Cyrus · 12-12-2023 10:02AM

definitely go after him, ignoramus.

SharkMX · 12-12-2023 10:07AM

If you damage something belonging to someone else you apologize and offer to pay top get it fixed. You dont curse them out of it.

pale rider · 12-12-2023 10:09AM

Same thing happened to us with my wife’s car, they shrugged, said so what and left.

I reported it to the Guards with the reg, They sent a car around and apparently the people were mortified a patrol car was at their door, long story short we had it repaired and they paid us.

a month after the guard contacted me to confirm it was paid, if it wasn’t he told me he would prosecute him for leaving the scene of an accident.

the guard asked me was if he damage or the attitude that got me mist, he understood.

the cheek if them, of course you follow it up.

Gumbo · 12-12-2023 10:15AM

https://www.boards.ie/discussion/comment/121485558#Comment_121485558

Idiotic attitudes like this is the reason why people take 2 spots in car parks. If you can’t get out of your car, move to another spot.

12-12-2023 10:20AM

https://www.boards.ie/discussion/comment/121485672#Comment_121485672

The Garda was talking shite because it's not the scene of an accident and its a civil matter so I don't see how they had any right to go anywhere near his house based off you giving them a reg

Gumbo · 12-12-2023 10:33AM

https://www.boards.ie/discussion/comment/121485702#Comment_121485702

It’s an accident. A car hit another car causing damage and left the scene.

Quite simple really.

Normal procedures were followed.

The damages “may” be a civil matter but the person involved in the accident has lawful procedures to follow.

https://www.citizensinformation.ie/en/travel-and-recreation/motoring/motor-accidents/

whomitconcerns · 12-12-2023 10:53AM

https://www.boards.ie/discussion/comment/121485702#Comment_121485702

theres a name for that, "hit and run" and it is criminal not civil

893bet · 12-12-2023 12:26PM

Maybe he had a terrible day. Who knows.

Hardly worth the hassle for either of you.

Witcher · 12-12-2023 12:56PM

https://www.boards.ie/discussion/comment/121485702#Comment_121485702

Where do people pick up this nonsense?

mondeo · 12-12-2023 01:21PM

I'll head down to the local cop shop and have a chat to them and see what they say.

artanevilla · 12-12-2023 01:27PM

Go down and tell them someone hit your car causing damage, that you brought it to the attention of the person that they had damaged your car and that they acknowledged what they had done and that they subsequently fled the scene without providing any details.

Ronney · 12-12-2023 01:36PM

https://www.boards.ie/discussion/comment/121486356#Comment_121486356

Most sensible piece of advice here

Go after someone's insurance over a parking dent ?

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