Team-BHP - View Single Post - What to do in case of a minor car accident

shekharlele · 26th July 2007, 18:28

Dear All,

Just went through an accident this morning. Was waiting at a signal and this jerk in an innova scarped through the left door of my Indica, leaving a broken moulding and a deep gash. I was furious and demanded he stop his car. He insisted it was not his fault, that such things happen and I should claim Insurance. He said if I liked, we could go to the nearest police station and file a report. Getting late for work, I just noted down his registration number. Now, I have a couple of questions:

1. This incident would cost me some 2,000 bucks to repair and I had just spent 2000 bucks last week in getting adented fender repaired.

2. My no claim bonus is 2000 bucks, but I figure if everytime I'm gonna not claim, what is the use of insurance??

3. What does one do when a guy bangs into your car for no fault of yours. Can I claim compensation from 'his' insurance company?

4. Next time, should I insist for a jerk like this to pay me money on the spot, what if he refuses, I feel a street fight may have other complications

5. I feel I should not have let this guy get away, am I right in feeling this way or did I just do the right and practical thing.

Kindly guide.

26th July 2007, 18:28	#1 (permalink)
shekharlele Newbie Join Date: Dec 2006 Location: Mumbai Posts: 15	What to do in case of a minor car accident Dear All, Just went through an accident this morning. Was waiting at a signal and this jerk in an innova scarped through the left door of my Indica, leaving a broken moulding and a deep gash. I was furious and demanded he stop his car. He insisted it was not his fault, that such things happen and I should claim Insurance. He said if I liked, we could go to the nearest police station and file a report. Getting late for work, I just noted down his registration number. Now, I have a couple of questions: 1. This incident would cost me some 2,000 bucks to repair and I had just spent 2000 bucks last week in getting adented fender repaired. 2. My no claim bonus is 2000 bucks, but I figure if everytime I'm gonna not claim, what is the use of insurance?? 3. What does one do when a guy bangs into your car for no fault of yours. Can I claim compensation from 'his' insurance company? 4. Next time, should I insist for a jerk like this to pay me money on the spot, what if he refuses, I feel a street fight may have other complications 5. I feel I should not have let this guy get away, am I right in feeling this way or did I just do the right and practical thing. Kindly guide.