Just looking for a bit of opinion:
Yesterday on the way home, I was hit by a !Removed! from Thrifty car hire on a round about.
Basically, the roundabout joins as 2 lanes, and on the 2nd exit (straight over) it continues as 2 lanes.
I was in the right hand lane and he was in the left.
We both joined the roundabout at the same time, so I was next to him.
I stayed snug to the inside of the roundabout, but half way across, he decided to change lanes, into me.
I slammed on the brakes, and as he continued, I turned to evade, hitting the roundabout.
So, the damage is:
Driver's side wheel and tire (from evasive action).
Passenger side Bumper - Paint off with grazing.
Passenger side front wheel arch - paint damage, dented and slight buckling.
Passenger side light - the water seal is damaged with slight scuffing.
Passenger side wheel - slight damage to rim.
Now here is the question:
There is no doubt that he caused this, but, as he works for a rental company, it is pretty much definite that they will open a claim against me.
Should I consider getting my car repaired privately, or through insurance?
My excess is £250.
If they decide to be !Removed! and point blame at me, and it goes 50/50, I could lose £125 and 2 years no claims (out of 5), and of course my premium will go up.
How likely are they to do the !Removed! move? I assume that if I get it repaired privately, and the claim goes 50/50, then I will lose my excess and no claims anyway?
Also there is a good chance that the repairs would cost more than £125 anyway...
What would you guys do?
Edited by Preee, 08 August 2013 - 11:02 AM.
Removed Swear word. please choose your wording wisely