Car appreciation... the aesthetics, the engineering, etc

Very cool.
Prefer this though which I spotted in Scotland a couple of summers ago

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I have to admit I've got a massive soft spot for land cruisers. Van Neistat is probably partly to blame for the infatuation though.
https://www.youtube.com/watch?v=DloMkje1JFY

I reversed into a car on Saturday, he was driving a taxi - was a super minor bump as I didn't see him drive into my blind spot. My fault obvs. swapped phone numbers but not insurance details. He's sent me a text saying it will be £180 + 120. I've got it recorded through sentry cam on my car. Should I just go through my insurer?

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I would probably just pay up. Insurance will massively up your premiums and claims stay on your record for 5 years meaning that premium increase will be with you for that whole time.

Pay the £120 for his days work too?

£180 is fair for the paint. £120 sounds pretty fair for the lost work too. Even if the paint shop has a courtesy car he won’t be able to use it for work, because licensing and insurance.

I guess so. I would imagine that insurance would see a 20-30% bump for 5 years. Reckon that'll more than cover paying out of pocket.

You could always negotiate.

Thanks both.

That was an expensive trip to the shops - smashed iphone 14 pro screen and this :'(

That sucks. But it sounds fair and all in, is probably cheaper than your excess plus subsequent increases.

All these things are just good lessons. You’ll now reverse more carefully so won’t do a more expensive crash into a Bentley driving nut job who threatens to duff you up (Taxi man sounds lovely in his text).

There’s probably something similar for your phone too if you reach hard enough. :)

If the car is a genuine hackney carriage TAXI then there will be a replacement courtesy provided at your expense. If he is a minicab private hire driver then he is either not going to bother fixing it or he'll know someone in a railway arch somewhere who can fluff it up. I'd say £300 as a one off is worth doing.

Is there anything to stop him discovering another 'problem' with he car down the line and asking for more money?

nope. or him suddenly getting whiplash. this is always the risk with going outside of the insurer but in this instance I would probably pay up (if he shows an invoice for the work)

Is there an anti golf club thread ? Morrisons? Surely not.

He won't want to go through the insurance because his insurance if he is a professional driver will be horrific as it is.

You could ask him to get another 2 quotes which might shave off 30 or 40 quid off overall but tbf to the guy he could have rinsed you for everything and then you'd have had a bun fight over the costs and you would definitely have ended up down overall. Personally I'd pay it.

In my experience I'd be very happy paying £300 for a front bumper respray.

He won't want to go through the insurance because his insurance if he is a professional driver will be horrific as it is.

he (taxi driver) got hit. not the other way round... it wont impact his premium at all. he would be going through @Tenderloin 's insurer

guys don't remind me of the fact I:

a) am a bad driver
b) shopping in Northampton Morrisons
c) Had an expensive Saturday morning

I suspect it would potentially impact his premiums come renewal whether he is at fault or not.

The way a claim is progressed depends whether the taxi driver has third party or more likely comprehensive insurance. Normally if you have comprehensive insurance you notify your insurer in any event and they have to work it out with the other insurance company.

If you have third party only insurance then it's slightly different. But normally you'd also have to notify them as a matter of course that you have been in an accident.

That's before we even get to a situation, which happens more often than youd believe, where the insured has admitted liability verbally at the scene of an accident and then at a later date their insurance company denies liability based on the facts/witnesses etc etc.

It definitely does affect your premium in the UK. You have to declare even no fault claims to your insurer for the next 5 years.

We were rear ended (oooer) in 2016 and saw a 25% bump in the next renewal (even when shopping around) and it stayed high until last year.

sorry i just find that very hard to believe.... why would an insurer punish you/see you as greater risk if someone has driven into you? my other half was rear ended a few years ago and her premium didnt change at all. many many years ago a taxi driver hit my car when i was 17 (only needed some paint on the door) and nothing happened to my insurer...

each to their own of course. i am speaking from personal experience, yours clearly differs

This is our experience too.

I guess for a certain percentage of 'not at fault' incidents, it was still avoidable if the not at fault party had been a 'safer'/more cautious/better driver? Therefore it's indicative of being at greater risk of causing a incident in the future...

e.g. you're driving along at 30 in a 30 and have to slam on your brakes to avoid a child running across the road at the last minute and driver behind rear ends you. You're not at fault, but you could have spotted the risk sooner and adjusted your speed in advance of them becoming a hazard?

I thought it was just any excuse for insurers to charge more.

That's how they explained it to me when my premium raised slightly after reporting incidents, statistics innit. Luckily mine was nothing like 25% but that may have something to do with me not being in the car and it being parked 2 out of the 3 times!

Call me cynical, but it sounds more like he reckons you'd stump up £300 cash for a minor repair that he won't bother getting fixed = £300 profit... at best a quick t-cut & it's gone...

I once rolled, snail pace, into a taxi at the lights (handbrake wasn't on right) - didn't even realize until I looked up & seen I was resting against his back bumper... he jumped out rubbing his neck shouting about that being some whack etc. etc. and how his bumper was all out of alignment & all his parking sensors were probably fucked, we had a proper look & the dirt wasn't even rubbed off either bumper, absolutely no sign of any contact anywhere. He then proceeded to tell me how he'd have to take the car off the road for a full inspection & i'd be paying for his wages / repairs etc. - I told him yeah no problem - that's why people get insurance & asked to exchange details at which point he jumped back in his car muttering & sped off.