To claim, or not to claim?

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  • Graeme
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I returned to my car tonight, after being out for a meal with the family, to find a note on the windscreen  :damn:

It turns out, a stage production crew had knocked a flight case off the curb, and it rolled across the road and into the door of my car.  It's creased the door and scratched the paint.

The manager left the note, was very honest and gave me all their details.

So, what should I do? Claim, or out it privately?  Also, read you have to report everything, and if they found out later, it could be an issue (not sure how they would know).

I'm aware that even though it wasn't my fault, if I claim, it will put my premium up, and possibly lose part of my no-claims

HK_Fuey

  • Graeme
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Reply #1

Pics

Mike

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Reply #2

That's shit Graeme.

Car insurance has always been a big deal for me. I used to pay 465 a month with a 900 initial payment for my RX8, my postcode is the highest risk there is.

I admire their honesty, they're at work, it's work's insurance and so I doubt they'd help you out privately as they already pay their insurance.

I've had a bump or two and on both occasions, trying to avoid my premium climbing again (it's the lowest it's ever been now), I've offered to pay for all damage myself and did. I just said no to the "have you had an accident regardless of fault in the last 5 years" question as there was absolutely no record of it. His old Rover 75 he was very fond of would have obviously been written off, and my car had nothing more than a scuff, so all works out well. In the other occasion, she was a new driver, (she kind of caused it by being unpredictable, but I know that's still my fault, hence no debate), so she wanted to avoid her insurance climbing too.

Personally, I'd call them, see what they want to do, and if they're not offering to bung you the cash to have it sorted at your nearest bodyshop, claim on their insurance to have it fixed and never mention it again.

But that's just me and I'm a Mancuninan scumbag YMMV.  :heyyy:
Last Edit: Oct 8, 2017 10:21:15 pm by Mike
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Asco1104

  • Tim
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Reply #3

That’s rubbish but good they left there details.

Like Mike said, give them a call tomorrow and see how they want to proceed.
I would get 2 quotes as well, one from a bmw body shop (get that from a main dealer not just a body shop that says there Bmw approved) and another from a well known body shop.


Tim

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Jamthemackem

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Reply #4

Take it that you didn't have the no claims protection Graeme? I'd try and sort privately if possible but as mentioned if its work insurance I think they'd want to go through the insurance company

Paddone

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Reply #5

Do you have the name of the production company?

HK_Fuey

  • Graeme
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Reply #6

Yes.  David Ian productions.

Paddone

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Reply #7

Ah, theatrical not TV and film. My mum worked in TV as a production manager and producer and said they would likely have paid something small like that to avoid insurance. I would expect same would apply to theatre company.

I have self paid for damage to my car in the past when my car was only car involved (scratch and dent) and insurance company didn't care but warned me it would void warranty on car if it was still under a paint warranty if not done my manufacturers garage.

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