hoping to get a bit of advise from anyone that's been in this situation..
girlfriend had a bump in her very cheap toyota starlet. she initially apologised due to shock and asked the other party through text to get a quote from the garage rather than go through insurance (which is in my name). As it was a new car she went to a frigging Mini dealership and the quote came back at over a grand, so decided to ring the insurers.
In hindsight, the other party were at fault as they were reversing out a their drive onto a main road but I'm obviously worried the missus' texts may be used as 'evidence' she claimed liability. hope not.
here's the 2nd issue...
my girlfriends car is at the garage being assessed and we have a courtesy car through enterprise rent a car.
We have had an email today confirming a total loss.... as far as I could tell, it was just a damaged headlight!!
Spoke to the garage and they explained that the bumper was damaged etc (bearing in mind, it was an old scratched car) and the total costs were over a 1000 so not financially reasonable.
They have given me options of going through them or through my own insurance to sort out. They also said that it might be possible, depending on what category write off it is, that I can have the car back to repair myself as well as the insurance pay-off. If that's the case, I will be happy.
Not too sure which route to take. Got three companies - insurers, underwriters and the independent garage!