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@Pasty_Spumante
so, missus - named driver on my policy - has just reversed into one of the cars that always blocks our drive.....
We live on an estate/cul-de-sac and we live on the corner. Cars constantly block us in/obstruct us and there have been many many letters sent to residents telling them not to park outside of designated areas (every house has two spaces - we have an extra alongside our house accessed from the front). Anyway, I'm amazed its taken this long and I've taken pics showing the they've parked directly opposite our space, not allowing an unobstructed exit and put a note on their car saying to contact for insurance details etc.
Obviously I'll go through my insurance but what chance they won't pay out for the damage given the stupid parking and frequent letters from the housing authority asking people not to park there?
Edit: It's her fault as she hot a stationary vehicle, simple. He's angry as they'll probably write his car off (worth £800) but he's just spent £500 on it. His car is absolutely fine (bar a cosmetic dent) and I won't pay any excess as that's only payable on your own claim - I won't have the minor damage on mine fixed, especially at the cost of the excess. Given my protected NCD my insurance will go up - probably by 75-100 a year for 3 years (max). He's already tried to be aggressive and threatening towards me (I've brushed it off completely) but he's basically going to have to suffer the dent and a small receipted/traced payment from me (outside the insurance), suffer the dent with bugger all back or claim on his insurance and they'll write off his perfectly drivable car and give him not much more than he's just spent on it. I'd be more sympathetic if he hadn't been threatening but hey-ho