ckember
Active Member
- Joined
- Feb 9, 2005
- Messages
- 836
- Car
- GLC 350d AMG Premium plus
Yesterday on the way home, I was hit on the rear quater panel by an elderly gentlemen riding a powabike electic bike. this has left a nice big dent above the wheel arch and right on the swage line. The bike was completely undamaged.
The guy was taken to hospital with hip pain and I called the old bill. After talking to a witness and myself the cyclist is liekly to be charged with either carless or reckless cycling which carries a fine only. This puts me completely in the clear. which I knew anyway as he came straight off the path without looking into me. The PC called me later to confirm his initials findings and to let me know the guy is OK.
Now this brings up a couple of things. under UK law he doesn't require insurance to ride an electric bike on UK roads, therefore I have to pay for the repair completely and then take him to the small claims, or go through my insurance, loose my protected NCD and have a premium hike next year. I can then goto the small claims court for my loss again, but as he is retired I am not sure I will get anything back.
Can I claim from the fund for unisured drivers? my legal insurance wont help in this instance as they are only there to reclaim losses from insured third parties
I have a quote from MB to replace the rear quarter panel at a total cost of £3600. parts £900 labour £1600 paint £390 and Vat.
I am waiting for another quote, from an ATA rated repairer that told me they can get the dents out without replacing the panel, but I am not sure if they will use the same proceedure when applying the paint as MB will.
Wouild it be better to go the MB route or the independant my Insurers want an MB approved body shop if they do the work?
Does anyone know a good body Shop in the Watford to Alyesbury Area?
Has anyone else been in a similar situation that can offer any advice?
many thanks in advance
The guy was taken to hospital with hip pain and I called the old bill. After talking to a witness and myself the cyclist is liekly to be charged with either carless or reckless cycling which carries a fine only. This puts me completely in the clear. which I knew anyway as he came straight off the path without looking into me. The PC called me later to confirm his initials findings and to let me know the guy is OK.
Now this brings up a couple of things. under UK law he doesn't require insurance to ride an electric bike on UK roads, therefore I have to pay for the repair completely and then take him to the small claims, or go through my insurance, loose my protected NCD and have a premium hike next year. I can then goto the small claims court for my loss again, but as he is retired I am not sure I will get anything back.
Can I claim from the fund for unisured drivers? my legal insurance wont help in this instance as they are only there to reclaim losses from insured third parties
I have a quote from MB to replace the rear quarter panel at a total cost of £3600. parts £900 labour £1600 paint £390 and Vat.
I am waiting for another quote, from an ATA rated repairer that told me they can get the dents out without replacing the panel, but I am not sure if they will use the same proceedure when applying the paint as MB will.
Wouild it be better to go the MB route or the independant my Insurers want an MB approved body shop if they do the work?
Does anyone know a good body Shop in the Watford to Alyesbury Area?
Has anyone else been in a similar situation that can offer any advice?
many thanks in advance