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Thread: reversed into!!

  1. #1
    Regular Member hairy31's Avatar
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    Default reversed into!!

    Car was parked outside and a young girl has over reversed and collapsed drivers side wing ,door won't open more than 18" without catching and arch is touching tyre, her dad came down and said he would pay for damage, thing is my wife is disabled and we need a car ....they have told me to hire one but I'm reluctant for obvious reasons, but worried about going through ins as it has mods not declared( yea I know I'm an idiot ) what would you guys do ?

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    Ex Vec-C Admin Ian-Highlander's Avatar
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    I wouldn't admit to that on a forum first and foremost, you don't know if the other party could find that post.
    "Doing a good job here is like wetting your pants in a dark suit, you get a warm feeling but nobody else notices"
    Maptun Tuned 2.0T Estate - click HERE for mods list.
    Brentwood 2012: Winner, Saturday Show. Hull 2012: Winner, Best Estate. Hull 2013: Winner, Best Estate & Runner Up, Best I.C.E

    Now Gone, bring on the Insignia (now "Teapot" Tuned)...

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    Regular Member DAVIDD88's Avatar
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    Don't think your insurance will bother with mods as its not them that will have to pay out and i would not hire a car unless they give there card details to the company and not your own bud maybe time for a facelift conversion lol

  4. #4
    East Midlands - Regional Organiser new boy's Avatar
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    Quote Originally Posted by Ian-Highlander View Post
    I wouldn't admit to that on a forum first and foremost, you don't know if the other party could find that post.
    But you could get it fixed at a bodyshop for a cash price and get them to pay the bill so no insurance involved.

  5. #5
    Ex Vec-C Admin Ian-Highlander's Avatar
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    Quote Originally Posted by DAVIDD88 View Post
    Don't think your insurance will bother with mods as its not them that will have to pay out and i would not hire a car unless they give there card details to the company and not your own bud maybe time for a facelift conversion lol
    But it does void his insurance meaning he was driving illegally and turning round any claim he might have against the other person because he shouldn't "technically" have been on the road.

    Not judging anyone before anyone says anything, simply pointing out that you probably don't want to shout about it on a public forum. I'd be looking to get this thread removed if I was you and perhaps start a new one worded a tad more carefully. But up to you.

    As for your actual question under your circumstances I'd be inclined not to involve the insurance at all if the other party is happy not to, BUT that said, you then run the risk they won't pay for things you "claim". If you do involve the insurance, there's a good chance they won't bother checking your car for un-declared mods and will just authorise it (your insurance pays for the repairs then claims it back of theirs, so they DO have to pay out) but if they DO check you're knackered.
    "Doing a good job here is like wetting your pants in a dark suit, you get a warm feeling but nobody else notices"
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    Brentwood 2012: Winner, Saturday Show. Hull 2012: Winner, Best Estate. Hull 2013: Winner, Best Estate & Runner Up, Best I.C.E

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    Regular Member wardy23's Avatar
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    undeclared mods = void insurance = serves your self right tbh because if you bumped into me and told me that tbf i wouldnt be happy at all trust me lol

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    Regular Member headscratcher's Avatar
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    for you

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    Regular Member dannyjpuk's Avatar
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    Quote Originally Posted by hairy31 View Post
    Car was parked outside and a young girl has over reversed and collapsed drivers side wing ,door won't open more than 18" without catching and arch is touching tyre, her dad came down and said he would pay for damage, thing is my wife is disabled and we need a car ....they have told me to hire one but I'm reluctant for obvious reasons, but worried about going through ins as it has mods not declared( yea I know I'm an idiot ) what would you guys do ?

    THAT is why people it is allways best to declar any MODS if you don't declar any mods why bother paying your money to the insurance as it's void

  9. #9
    Regular Member wardy23's Avatar
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    Quote Originally Posted by dannyjpuk View Post
    THAT is why people it is allways best to declar any MODS if you don't declar any mods why bother paying your money to the insurance as it's void
    +1 just do it right in the first place then there would be nothing to worry about its people like the op that make our insurances go up

  10. #10
    Regular Member headscratcher's Avatar
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    here here, i aint to pleased this accident has come to the attention of this public forum,
    so thanks to all those that dont give a monkeys and think it is allright ,
    take it to the insurance fella, grab yourself a few points whils your at it,
    you may realise what honest folk are going through

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