Idiot pranged me....

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Active Member
Jun 2, 2002
Oh yes, yet another prang..... <img src="" border="0" valign="absmiddle" alt=':('>

While I was stitting STILL at a set of lights, a BMW hits the metro BEHIND me..... he made a good job of a metro sandwich, the metro was fuc#ed, both front and rear totalled, while myself and the BMW hardly had a scratch....

But the scratches have pi55ed me right off, they are mainly on the black plastic over rider on the rear bumper, a little on the paint above, and 2 real small dents on the metalwork just above the bumper.... oh and I cant open the boot either now <img src="" border="0" valign="absmiddle" alt=':('>

I can imagine that though the damage is hardly noticeable, and I could probably hide most of it myself, that its going to cost $$$$ to repair as a lot of bits were damaged.... (I am fully comp)
So how can I get my hands on the repair money, to get the car lowered/serviced etc, and touch up the little bits myself?
Contact a ULR provider (uninsured loss recovery). They should be able to arrange for an independent engineer to inspect your vehicle and report on the damage. You then tell them that you want to claim for the repairs on a &quot;cash-in-lieu of repair&quot; basis. This means that you should receive a cheque from the responsible driver's insurance company that you can do with as you wish; the only thing you won't get (obviously) is the VAT element on the estimated damage.

Two years ago I was a director of a ULR provider and I still own an independent firm of consultant engineers (although we don't do this line of business anymore).

You shouldn't have any problem finding a firm to handle your case (for no fee), especially for that very sore neck of yours  <img src="" border="0" valign="absmiddle" alt=':p'> , but if you do, let me know; I know a few that I'm sure would take your claim on.

BTW: you should let your insurers know, even if you don't intend to claim from them; better safe than sorry and all that .


Glad you are not injured.

I would get your car on a JIG to see if the chassis has taken any damage that is invisible to the eye.
I got a quote from the MB Dealer for the repairs, £1650 all in!!! (including new exhaust <img src="" border="0" valign="absmiddle" alt=';)'> )

The quote dose say this may not be the total extent, ie hidden damage will be extra.

Not so sure what to do now, as the black plastic protector on the bumper is cut in one place, which I didnt notice before. Maybe I will get the repairs done....

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