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Small Ding Into Someone Elses Car - But They Wrote Car Off?

Pr0x1mity
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Pr0x1mity Proficient

Pr0x1mity

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Posted

About a year ago I backed into my then bosses car and scratched a bit of the paint off. Sure, no big issue just needs a respray.

It never happened (due to his laziness) but since then I left the workplace.

Recently he sent me a message to pay up and that he got a quote for the damage. But I also found out the car was written off before he asked me to pay for it.

Does he have any right to ask me to pay for the small damage that was done to his car pre-write off?

It was never claimed for or repaired. The car was written off and paid out to him at market value or what ever.

Pr0x1mity Proficient

Pr0x1mity

Posted
  • Author
Posted

LOL that would be funny.

I'm just not writing anything back for the moment. Basically everyone who I have asked so far has said he can't ask for money to fix something that won't get fixed anymore and that it's basically been paid out by insurance on being written off (the damage devalued the car slightly, but it was still paid out).

Pr0x1mity Proficient

Pr0x1mity

Posted
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Ok good! I just wanted to confirm with people who won't automatically be on my side (like family etc haha)

I had a fair strong idea that he couldn't force me to pay up, even though it wouldn't be a massive issue. It was only a few hundred $$.

Birds Grand Master

Birds

Posted
Posted

I'd simply ignore it.

Wait until you get a letter of demand from his insurance.

This...

Ask him to show you the damage. :P. seriously dude, he has no proof needless to say, no car.

You'll be fine.

and then this.

Ignore it until he or his now cancelled insurance bother to make it legal. He won't bother, because he's obviously hard on for cash and remembered that you had an accident with him last year. Are there any official records of the accident, exchanged licence details etc? If not, treat it like it never happened, that you don't even know who he is. If there are records, then tell him to get a quote for repairs on a non-existent car. But I doubt it'd even get that far, he is clearly trying to bluff you out of some monies.

GTR-N1 Grand Master

GTR-N1

Posted
Posted

Birds has linked the sequence of processes correctly but what attracts my curiosity is...

1) how can a bump and then scratch cause a write-off?

2) how come his insurance company didn't make contact with you by mail before the write-off?

3) why should it even be a message - and from the ex-boss at that?

Strange!

Hanaldo Grand Master

Hanaldo

Posted
Posted

Birds has linked the sequence of processes correctly but what attracts my curiosity is...

1) how can a bump and then scratch cause a write-off?

2) how come his insurance company didn't make contact with you by mail before the write-off?

3) why should it even be a message - and from the ex-boss at that?

Strange!

I sort of assumed that the car was written off in an unrelated accident. So OP scratched paint and then his old boss somehow wrote off his car in a different incident.

Correct me if I'm wrong OP?

Dobz Experienced

Dobz

Posted
Posted

Nah coz that means he acknowledges the damage.

Ignore him, wait for official letter telling you for dosh.

Write a letter back, saying prove it! Haha

+1

Once that's over with give him Boz's number and he'll happily send on some BBW porn.

GTR32G Proficient

GTR32G

Posted
Posted

The way I see it, you have admitted to bumping into your old bosses car, and assume there would have been other work colleges as a witness that know of the incident? Now your old bosses car has been written of due to a unrelated issue the insurance company can and may have devalued his car on a market value policy due to old damage. This has prompted your old bosses memory to chase you up you for some money due yourself devaluing his car. The insurance company would have a assessment report that stats any old damage and cost of devaluation on the motor vehicle which you a liable to pay for since you have caused damage to his car. The insurance company will have photos to prove the damage on car that will be kept on record. My advice would be to sort the issue out rather that play games. If you play games your old boss can lodge a claim with his insurance company against you based on an assessors quote, and the de-valuation of his car that brings you to court. Ring your old boss and try and suss out how much info and what photos he has on file to show the damage. Try and settle it before it cost you more in the long run. Offer him a case of beer and call it even....

260tech Proficient

260tech

Posted
Posted

^^^^Yes, this would be my choice if I was forced to treat the claim seriously, insured at the time or not. I would also be wanting to get a couple of quotes of my own just to be sure. :yes: Assuming you were insured at the time & are still with the same ins co., you could always run it past them & even if they have no interest now or you are with a different vendor, see if they are prepared to comment/advise on any possible outstanding financial liability before(if) you bother to reply to the claimant.

My 2c

GW

GTR32G Proficient

GTR32G

Posted
Posted
Or just tell him you wish to go through your insurance, can he send 2 quotes please

Since your old boss is the third party in the accident, you can not tell them what to do. He has the choice to go with his own insurance or even get it repaired at his perfered work shop and have a fair and reasonable assessment done on the car.

Since the car is a total loss from another claim it is not possible to get another quote separate to this, it would be stupid asking him to do so knowing his car has been writen off, so a fair and reasonable assessment would be done on behalf of the insurance company backed up with a de-valuation report on the total loss if the matter goes to court.

Do the right thing and pay up, if you were in his shoes would'nt you expect to be paid if someone damaged your car and de-valued it. Besides you have acknowledged that it was your fault on this posting & this would hold up in court if it went to that extreme. It would be best if you made a fair agreement with him, Karma can bite back bigger and better!

GTR-N1 Grand Master

GTR-N1

Posted
Posted

Just joining a couple more dots Brian...

If the boss has been paid out on his write-off; and assuming the scratch on the boss's car might not have been subtracted from the "sum insured" if it was an "agreed value policy";...

my question is, "Isn't demanding his ex-employee to pay up for the bumper scratch a form of double-dipping?"

I would concur with you if the car was devalued on the basis that his (the boss's) policy was only "market value".

If so, I'm wondering what's wrong with OP asking a couple of 'leading questions' ??

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