Grateful for advice and informed views.
Young lad, 18, in the first year of driving in his ten year old 1.2l Skoda fails to see 19 yr old in a fifteen year old 1.2 Renault Clio. Both vehicles valued at circa £500 - £800 maximum.
Collision, clearly down to him, causes damage to both vehicles and no injuries. Both are driveable but if placed in the hands of insurers would result in both being written off and a significant loading on both policies next year (in my view wrongly in the case of the girl, but that's insurance companies for you).
Young lad rightly and fully admits liabilty at the scene and girl says she'll get quotes to repair damage.
Now, theoretically where should this go for a sensible resolution? Both parties will lose out if it goes to insurance (I don't want to go into the notification debate folks, it's been covered before) so with the aggrevied party's vehicle at such a low value what would be a realistic outcome for her? Both aren't keen to involve insurance for above reasons.
Young lad, 18, in the first year of driving in his ten year old 1.2l Skoda fails to see 19 yr old in a fifteen year old 1.2 Renault Clio. Both vehicles valued at circa £500 - £800 maximum.
Collision, clearly down to him, causes damage to both vehicles and no injuries. Both are driveable but if placed in the hands of insurers would result in both being written off and a significant loading on both policies next year (in my view wrongly in the case of the girl, but that's insurance companies for you).
Young lad rightly and fully admits liabilty at the scene and girl says she'll get quotes to repair damage.
Now, theoretically where should this go for a sensible resolution? Both parties will lose out if it goes to insurance (I don't want to go into the notification debate folks, it's been covered before) so with the aggrevied party's vehicle at such a low value what would be a realistic outcome for her? Both aren't keen to involve insurance for above reasons.