Insurance help! - anyone in the know?

[Duff Man]

Hi,

Someone hit my metro up the rear (ooer) whilst stationary yesterday - he 'had a lapse of concentration and just run into the back - fiddling with the radio more like). Now he admitted full liability and said he would rather pay cash to resolve it thinking that it wouldn't be too expensive.... quote just came back around £400 without a new bumper (600 with) since it bent the interior of the boot up and needs otehr ancilliary stuff to fix - £200 labour!.

I'm gonig to go see him and i don't think he will be inclined to part with that sort of cash - what options do I have?

I understand that even though I am at no fault any insurance route wiill load me up and was thinking that one of these third party companies who specialise in sorting no fault accidents out may be able to help me?

Anyone know whats best and whether I will pay more on my insurance for this d*ckheads mistake :mad:

[JB]

Once the matter is settled through insurance and it has beens established that you were not at fault there should be no loading or premium increase for you. Whilst the claim is being precessed though, if you have to renew you insurance, there may be a loading, but this should be reimbursed once the matter is resolved in your favour.

That's how I understand it to be, but I'm sure someone on here will prove me wrong :wack:

[Mark]

Please dont use one of these claim companys as its just putting everyones insurance (car and home) up even more :furious:

if you have been hit up the arse its pretty straightforward and you shouldnt have any problems (they will probably write the metro off tho at that cost)