Bit Of Advice - Little Bump

[monster]

Hi guys,

Well my chance of owning an Aristo looks like it may be been put on hold for another few years! .

Just had a little bump in my car at about 5mph (lucky not a lexus as would be gutted). The damage to my car (leon) isn't too bad - few scratches, dents, etc. The damage to the other car (mini one) wasn't massive - dent on the bonnet (where a wing would be) and plastic wheel arch broken, didn't even take the paint off. To me it looks like it could be pannel beaten out but I don't know much on these things.

Anyway, I've got 5 years no claims (no protection) and a excess of £250. Going from this info do you think it would be better to claim on the insurance or pay the costs myself? Even if I didn't claim on the insurance do I still need to tell them as the other car could only be looked at in the new year (as they are away for xmas)?

Any help or advice on how approach this would be great as first crash and not sure what to do.

Thanks,

Miles

[sparkystav]

I think first of all its a matter of whether they tell their insurance company.

If they have your screwed, it'll have to go through the insurance.

If not and they agree to you just paying costs, be careful as they may try and take advantage, make sure you get reciepts etc.

Sorry to hear about it though.

Stav

[Rory]

get a quote for the work required on their car, but not from the owner of the car, if u know exactly what needs fixing, the owner may also hire a car too, so get a price for that too, then see which would be the better option, myself i'd prefer to pay it cash rather than insurance with all that no claims...

[monster]

Thanks for the comments guys. I'll get onto Mini in the morning and price up a worst case senario (new painted bonnet, wheel arch trim, and trim inside wheel arch all fitted) then speak to my insurance company and see what my premium would be for no years, 1, 2, 3, 4 and 5 years no claims and see which is worst on the wallet :(

Cheers again,

Miles