My wounded Beemer! 😢

ukbeemerboy · 11-08-2015, 05:06 PM

Quote:

Originally Posted by MarkG335

How annoying is that - hope it's not too much grief to get sorted.

I'll be interested to know what the approved BMW body shop says about the non-approved aftermarket spoiler - I wonder how they'll go about repairing that?

Replace the boot lid minus the spoiler I expect. I'd be very surprised if they'll fit a genuine one but you never know!

teaston · 11-08-2015, 05:10 PM

Quote:

Originally Posted by ukbeemerboy

Replace the boot lid minus the spoiler I expect. I'd be very surprised if they'll fit a genuine one but you never know!

I don't see why they won't, if you've put non star marked tyres on and one gets damaged in an accident they'll replace that tyre.

RobUK · 11-08-2015, 05:12 PM

Really sorry to hear about the dents, although congratulations on finding an honest motorist, mind you I wonder if his wife was with him and made him 'fess up? Happened to me, almost caught a guy red-handed having damaged my car in a carpark and he was all for denying it but his wife who was with him basically dobbed him in.

Anyway, hope you manage to get it sorted without too much hassle, and if you don't have a like-for-like replacement during the repair, sue them for 'loss of use' of your vehicle (and remember to keep receipts for any other expenses incurred - e.g. phone calls!)

ukbeemerboy · 11-08-2015, 05:13 PM

Quote:

Originally Posted by teaston

I don't see why they won't, if you've put non star marked tyres on and one gets damaged in an accident they'll replace that tyre.

Little bit different as the car would be unusable without a tyre but I know what your saying. The spoiler could be repaired couldn't it? Hard to tell from the pictures....

Mark1966 · 11-08-2015, 05:14 PM

If its a genuine spoiler they should replace with same. The only time you would be on a sticky wicket is when you are claiming on your own insurance and you didn't declare the spoiler. As it is a claim on the third party insurance you wont have a problem.

teaston · 11-08-2015, 05:20 PM

Quote:

Originally Posted by ukbeemerboy

Little bit different as the car would be unusable without a tyre but I know what your saying. The spoiler could be repaired couldn't it? Hard to tell from the pictures....

The spoiler has a 3" by 1" hole in it, so not repairable I should think!

Nick the Greek · 11-09-2015, 02:27 AM

Very sorry to hear this.

On the upside.

Presumably the offending driver was one of your cousins?

davyk31 · 11-09-2015, 02:41 AM

Quote:

Originally Posted by teaston

The cost of the repair will be far more than his excess so I doubt he'd be prepared to do that. Plus I don't see why I should have to drive around in a Mini or 116d when this is not my fault, it's already bad enough having the hassle of sorting this all out.

I would drive whatever for a few weeks while mine was sorted if it avoided having to pay a few hundred quid more over the next years because someone else caused a claim on my vehicle.

teaston · 11-09-2015, 03:01 AM

Quote:

Originally Posted by davyk31

I would drive whatever for a few weeks while mine was sorted if it avoided having to pay a few hundred quid more over the next years because someone else caused a claim on my vehicle.

Why would I pay more over the next years, it is a non fault claim?!

philiper1 · 11-09-2015, 03:07 AM

Your premium will go up even if it was not your fault, your no claims won't be affected though.

Mark1966 · 11-09-2015, 03:08 AM

Quote:

Originally Posted by teaston

Why would I pay more over the next years, it is a non fault claim?!

Unfortunately many insurers will penalise you even though you haven't claimed on your own policy. You will still need to declare the incident at renewal to your insurers but I would not think it will make £100s of difference.

As a previous poster said try and keep it cheap and get a cash settlement from the third party and don't involve any insurers.

RobUK · 11-09-2015, 04:12 AM

When I used to work for a large UK insurer (only on the IT side mind you, so I wasn't one of those 'eat their own young' vampire types), I was chatting to one of them and they said something along the lines of "If you're involved in an accident and it isn't your fault, it still indicates that your the sort of person who's more likely to be involved in an accident... by virtue of the fact you were!". I mean wtf??!

creepy coupe · 11-09-2015, 04:18 AM

So the guilty party was bevid up and didn't want to confront you in case you called plod. t least you have a contact.

Mark1966 · 11-09-2015, 04:20 AM

Quote:

Originally Posted by RobUK

When I used to work for a large UK insurer (only on the IT side mind you, so I wasn't one of those 'eat their own young' vampire types), I was chatting to one of them and they said something along the lines of "If you're involved in an accident and it isn't your fault, it still indicates that your the sort of person who's more likely to be involved in an accident... by virtue of the fact you were!". I mean wtf??!

I was told very similar.

I suppose the moral of the story is don't go to your local carvery as you will be considered an increased insurance risk. Now if the OP had got his wife slaving in the kitchen on a Sunday like the rest of us he would have been fine

MarkG_M5Comp · 11-09-2015, 04:22 AM

Quote:

Originally Posted by Nick the Greek

On the upside.

Presumably the offending driver was one of your cousins?

Am I the only one that literally laughed out loud at this...??

OK, just me.

davyk31 · 11-09-2015, 04:47 AM

Yes as above many insurers will take the opportunity to sting you for more premium. Not sure how much extra but think I remember reading on here someone who was hit for quite a bit. Totally unfair but if that's what their stats say then that's their stance.

Watsey · 11-09-2015, 04:53 AM

Quote:

Originally Posted by RobUK

When I used to work for a large UK insurer (only on the IT side mind you, so I wasn't one of those 'eat their own young' vampire types), I was chatting to one of them and they said something along the lines of "If you're involved in an accident and it isn't your fault, it still indicates that your the sort of person who's more likely to be involved in an accident... by virtue of the fact you were!". I mean wtf??!

I've heard this direct from an insurer after my wife had a no fault claim - her car was stationary and the other party admitted liability. You're classed as a higher risk driver if someone drives into you, and yet another way for the insurance industry to jack up premiums.

Russbmw · 11-09-2015, 05:06 AM

With the insurance, I would imagine you will get a letter back from your company saying something along the lines of that they've successfully recovered all costs from the other persons insurance company and here's a refund for your excess (if you had to pay any).

That letter will usually confirm the case is closed and you will not be asked to pay any costs.

So, as far as anyone reading that letter is concerned, that proves that the cost of the accident to you and your insurance company was 0. If asked, you can honestly say you don't know, as you were never billed for anything.

When I have been asked by an insurer about an accident where I was not at fault and I had put cost of the accident as being £0, I simply scanned them that letter and never heard any more on the matter. Didn't seem to make a jot of difference to my insurance either.

You're not lying by doing that.

They can mark you down as having been involved in an accident, but obviously they do not know if it was a £50 smart repair or a £6k rear end rebuild required - and so they can't put forward any justification for a premium hike.

No point in handing the insurance company your ass on a plate so you can get reamed the following year for something that was utterly not your fault or due to anything you'd done.

If it was your fault, or if it was a 50/50, then obviously you should declare all costs you incurred to your insurance, as you were deemed in some way at fault, which is fair enough.

In your case, you've parked within a marked bay, and some donkey has steamed into your car. You did nothing wrong and couldn't have done anything different to prevent that.

xenon · 11-09-2015, 05:07 AM

A non-fault claim can definitely load your insurance, the statistics do not lie.

Russbmw · 11-09-2015, 05:12 AM

Quote:

Originally Posted by xenon

A non-fault claim will definitely load your insurance, the statistics do not lie.

Yes, I'm sure it does - but that is more likely to be for this kind of situation where the person at fault drives off without leaving his details, meaning your insurance company has to stump up.

xenon · 11-09-2015, 05:13 AM

Even if your insurance DOESN'T have to pay is my point - they can and do load premium as a result. Happened to me.

Palexr · 11-09-2015, 05:17 AM

As many have mentioned any claim will add to your premium, even non-fault ones. You'd have to wonder why they'd ask if they didn't care? I have been in that situation several times. No questions about whether or not it cost me or my insurance anything at the time, just a hike in the premium.

11-08-2015, 05:12 PM	#25
RobUK Brigadier General 2826 Rep 4,939 Posts Drives: 340i MPPSK Join Date: Jun 2012 Location: Sussex, N.Yorks, UK iTrader: (0) Garage List 2015 340i MPPSK [0.00] 2001 Yamaha FZS1000 [0.00]	Really sorry to hear about the dents, although congratulations on finding an honest motorist, mind you I wonder if his wife was with him and made him 'fess up? Happened to me, almost caught a guy red-handed having damaged my car in a carpark and he was all for denying it but his wife who was with him basically dobbed him in. Anyway, hope you manage to get it sorted without too much hassle, and if you don't have a like-for-like replacement during the repair, sue them for 'loss of use' of your vehicle (and remember to keep receipts for any other expenses incurred - e.g. phone calls!) __________________ Life is a state of mind
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11-08-2015, 05:14 PM	#27
Mark1966 Banned 802 Rep 1,635 Posts Drives: Z4, Lotus and Lancia Join Date: Oct 2015 Location: South East iTrader: (0)	If its a genuine spoiler they should replace with same. The only time you would be on a sticky wicket is when you are claiming on your own insurance and you didn't declare the spoiler. As it is a claim on the third party insurance you wont have a problem.
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11-09-2015, 02:27 AM	#29
Nick the Greek Banned 2010 Rep 6,065 Posts Drives: M135i. I don't do diesel. Join Date: Jun 2012 Location: UK iTrader: (0)	Very sorry to hear this. On the upside. Presumably the offending driver was one of your cousins?
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11-09-2015, 03:07 AM	#32
philiper1 Colonel 771 Rep 2,468 Posts Drives: F21 M135i LCI Join Date: Jan 2014 Location: Norfolk iTrader: (1) Garage List 2006 BMW Z4 Coupe [0.00] 2016 BMW M135i [0.00]	Your premium will go up even if it was not your fault, your no claims won't be affected though. __________________ Current: F21 M135i Mineral Grey and few options Previous: F30 320i XDrive, E85 2.5i, E21 323i
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11-09-2015, 04:12 AM	#34
RobUK Brigadier General 2826 Rep 4,939 Posts Drives: 340i MPPSK Join Date: Jun 2012 Location: Sussex, N.Yorks, UK iTrader: (0) Garage List 2015 340i MPPSK [0.00] 2001 Yamaha FZS1000 [0.00]	When I used to work for a large UK insurer (only on the IT side mind you, so I wasn't one of those 'eat their own young' vampire types), I was chatting to one of them and they said something along the lines of "If you're involved in an accident and it isn't your fault, it still indicates that your the sort of person who's more likely to be involved in an accident... by virtue of the fact you were!". I mean wtf??! __________________ Life is a state of mind
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11-09-2015, 04:18 AM	#35
creepy coupe Lieutenant General 1869 Rep 13,043 Posts Drives: BMW M340I G20 Join Date: Aug 2007 Location: UK iTrader: (2) Garage List 2015 BMW 435d [0.00] 2009 335i [0.00]	So the guilty party was bevid up and didn't want to confront you in case you called plod. t least you have a contact. __________________ -------------------------------------------------------------- Current car.M240i. Previous.MINI JCW. E92 325i. 435d M235i.M135i. 635d Coupe, E92 M3 manual, E92 M3 DCT Competition Pack. E92 335i, Porsche Cayman S Gen2, 135i Coupe. E92 320d, MK5 R32. MK5 Golf GTi,MK5 Golf GT-TDI,E46 318Ci.
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11-09-2015, 04:47 AM	#38
davyk31 Major General 1048 Rep 6,949 Posts Drives: Macan GTS :-) & F40 M135i Join Date: Sep 2009 Location: Northern Ireland iTrader: (0)	Yes as above many insurers will take the opportunity to sting you for more premium. Not sure how much extra but think I remember reading on here someone who was hit for quite a bit. Totally unfair but if that's what their stats say then that's their stance.
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11-09-2015, 05:06 AM	#40
Russbmw Colonel 680 Rep 2,445 Posts Drives: 2018 630iGT sport Join Date: Aug 2013 Location: Caloundra, Australia iTrader: (0) Garage List 2014 BMW 640i [0.00] 2014 BMW 530d GT [0.00] 2017 Kawasaki Z1000SX [0.00]	With the insurance, I would imagine you will get a letter back from your company saying something along the lines of that they've successfully recovered all costs from the other persons insurance company and here's a refund for your excess (if you had to pay any). That letter will usually confirm the case is closed and you will not be asked to pay any costs. So, as far as anyone reading that letter is concerned, that proves that the cost of the accident to you and your insurance company was 0. If asked, you can honestly say you don't know, as you were never billed for anything. When I have been asked by an insurer about an accident where I was not at fault and I had put cost of the accident as being £0, I simply scanned them that letter and never heard any more on the matter. Didn't seem to make a jot of difference to my insurance either. You're not lying by doing that. They can mark you down as having been involved in an accident, but obviously they do not know if it was a £50 smart repair or a £6k rear end rebuild required - and so they can't put forward any justification for a premium hike. No point in handing the insurance company your ass on a plate so you can get reamed the following year for something that was utterly not your fault or due to anything you'd done. If it was your fault, or if it was a 50/50, then obviously you should declare all costs you incurred to your insurance, as you were deemed in some way at fault, which is fair enough. In your case, you've parked within a marked bay, and some donkey has steamed into your car. You did nothing wrong and couldn't have done anything different to prevent that. __________________
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11-09-2015, 05:07 AM	#41
xenon Major General 1416 Rep 8,110 Posts Drives: 2021 G21 330i M-Sport Join Date: Jun 2008 Location: Coventry iTrader: (0)	A non-fault claim can definitely load your insurance, the statistics do not lie. __________________ Ian Current: 2021 G21 330i M-Sport Previous: 2018 A6 Avant S-Line MMI+, 2014 F31 320d M-Sport, 2013 F10 520d M-Sport, 2011 F10 530d M-Sport, 2008 320i M-Sport Coupe, 2002 325i, 2001 318i valvetronic, 1998 318i, 1996 525i, 1990 Porsche 944S2
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11-09-2015, 05:13 AM	#43
xenon Major General 1416 Rep 8,110 Posts Drives: 2021 G21 330i M-Sport Join Date: Jun 2008 Location: Coventry iTrader: (0)	Even if your insurance DOESN'T have to pay is my point - they can and do load premium as a result. Happened to me. __________________ Ian Current: 2021 G21 330i M-Sport Previous: 2018 A6 Avant S-Line MMI+, 2014 F31 320d M-Sport, 2013 F10 520d M-Sport, 2011 F10 530d M-Sport, 2008 320i M-Sport Coupe, 2002 325i, 2001 318i valvetronic, 1998 318i, 1996 525i, 1990 Porsche 944S2
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11-09-2015, 05:17 AM	#44
Palexr Lieutenant 126 Rep 410 Posts Drives: 330D GT M Sport Join Date: Jun 2015 Location: UK iTrader: (0)	As many have mentioned any claim will add to your premium, even non-fault ones. You'd have to wonder why they'd ask if they didn't care? I have been in that situation several times. No questions about whether or not it cost me or my insurance anything at the time, just a hike in the premium.
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