Exorbitant Amount

LOL. I asked for advice not critics. So f you too
So this happens to have been a bumper bashing. What happens when you write off someone's car?
Are you going to complain about the insurance coming after you for the replacement cost of the vehicle?
The accident was your fault, and you're uninsured. This is life, buddy.
 
LOL. I asked for advice not critics. So f you too

Don't get pissy when people call you out on being an irresponsible d-bag. As @Brenden_E said I hope you get nailed by Mr. X's insurance - people like you shouldn't be on the road if you're not willing to take responsibility for your actions.
 
1. And?
2. Which you should have done.
3. It "changed" in that they gave you a better offer.
4. Do you know what the actual damage was you did? Bumper bash means nothing.

First off I asked for advice not to be criticized. If I we t into detail on the story I'm sure alot of the comments would change. That thing of saying if you don't have insurance don't drive, I think we stay in different countries because in mine you blessed if you can get a decent job with a decent income. I'm not disputing that I should pay. No, give unto Ceasar what belongs to Ceasar. The thing that is breaking my heart is I'm being ripped off. I've called numerous panel beating shops and they too were in disbelief of the amount. You guys are saying all these things to me, quick to judge, I asked for advice and you decide to jump down my throat 1 guy is swearing me. I never not once mentioned I won't take responsibility, it was an accident. All I said is the amount is ridiculous and I cannot afford to pay it. I had a contract job. So before people on here start swearing and say they hope they take me to the cleaners, my friend I rebuke that. But thank you very much. You are the reason why people are starving.
 
So this happens to have been a bumper bashing. What happens when you write off someone's car?
Are you going to complain about the insurance coming after you for the replacement cost of the vehicle?
The accident was your fault, and you're uninsured. This is life, buddy.
I'm not running away from paying. I'm being ripped off and I must accept... I'm not naive. I got plenty ty quotes nit even amounting to 10 000.
 
Don't get pissy when people call you out on being an irresponsible d-bag. As @Brenden_E said I hope you get nailed by Mr. X's insurance - people like you shouldn't be on the road if you're not willing to take responsibility for your actions.
I hope you sleep better at night.
 
I'm not running away from paying. I'm being ripped off and I must accept... I'm not naive. I got plenty ty quotes nit even amounting to 10 000.
You told his insurance you can't afford anything.
 
I'm not running away from paying. I'm being ripped off and I must accept... I'm not naive. I got plenty ty quotes nit even amounting to 10 000.
My suggestion is get quotes to fix what damage would have been to the other car and present the "fraud" in court if unreasonable.
 
I'm not running away from paying. I'm being ripped off and I must accept... I'm not naive. I got plenty ty quotes nit even amounting to 10 000.
Offer to pay them what you can afford. In installments if need be.
 
First off I asked for advice not to be criticized.
Your poor little feelings hurt? You know this is an online forum, right? No one cares about your feelings, everyone here will tell you what they think, which is what you should have expected to begin with. And no one actually attacked you, but we (or people close to us) have all been burnt by people driving without insurance.
If I we t into detail on the story I'm sure a lot of the comments would change. That thing of saying if you don't have insurance don't drive, I think we stay in different countries because in mine you blessed if you can get a decent job with a decent income.
I currently live in the same country, and yes, insurance is expensive, but a lot of that has to do with people without insurance not paying. It doesn't help that we don't have proper public transport in most places.
I'm not disputing that I should pay. No, give unto Ceasar what belongs to Ceasar. The thing that is breaking my heart is I'm being ripped off. I've called numerous panel beating shops and they too were in disbelief of the amount. You guys are saying all these things to me, quick to judge, I asked for advice and you decide to jump down my throat 1 guy is swearing me. I never not once mentioned I won't take responsibility, it was an accident. All I said is the amount is ridiculous and I cannot afford to pay it. I had a contract job. So before people on here start swearing and say they hope they take me to the cleaners, my friend I rebuke that. But thank you very much.
No one swore/said anything about taking you to the cleaners? And it's your word what all those panel beaters would charge, and we have no clue what you said to those panel beaters is correct, you can describe it without you knowing what was actually damaged. Could be your fix is a quick fix rather than insurance's requirement to restore to the original condition (and as others have mentioned, this includes original parts/paint). If you damaged the next panel, that panel has to be fixed up as well, which could be difficult to discern from pictures. Did you actually see the quote insurance gave you for that mess-up? And remember, you're not only paying the fee to fix that, you're paying the fee for insurance having to deal with you as well, that's probably why they would have discounted to R24k (so their cut is way reduced, but cheaper to get you to pay than to go to court, which is what you're forcing).
You are the reason why people are starving.
Love the victim mentality there, you know nothing about any of us, and I am not the one who got into an accident, and if I did, my insurance would pay out so that people would be able to get their car fixed. So the actual cause of people starving is you, the person who has not paid for the damages caused.
 
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And yet have you ever heard of an insurance company coming back to their client saying "oh look, we managed to recover your excess"
Yes actually mine has done that.
Also at OP, pay up. You were in an accident without insurance, you take all the responsibility for that simple.
 
1 Only 1 quote was given.

If it's an approved repairer for the brand and they're the only repairer in the region that's perfectly acceptable.

2 The insurance lawyers kept phoning me telling me to settle the amount.

Yes, because you are liable for the damage caused and they are collecting.

3 The amount changed twice.

It's perhaps them showing goodwill in reducing the collection costs etc if you chose to settle immediately. This is not nefarious.

4 It was a bumper bashing costing R31 000..

Yes because they're replacing the damaged components and paint and labour isn't free. It's not unreasonable even if you think it's expensive. You're entitled to request a copy of the bill for the repair.

That amount is more than the car I was driving. I had a damages to the front if the vehicle I was driving and it costed R1 500 to repair. Mr X was driving a 2016 Chev Ave 1.6 sedan. The vehicle I drove was a 1993 Toyata Camry. Any advice???

Your vehicle and cost of repair is irrelevant. You are liable for the damage and the remedy to place Mr X back in the position he was prior to the accident. You're entitled to pay an insurance assessor to assess the cost in repair to Mr X's vehicle and hopefully he can negotiate the costing down but I doubt it would be by very much.

Edit: Just to add. If you fail to make payment or payment arrangement they will pursue a judgment which will be placed on your credit record and you will eventually have to pay unless you never require credit. You will also accrue interest and collection charges until such time as you do pay - this will escalate enromously over time.
 
LOL. I asked for advice not critics. So f you too
You drove without insurance, you caused an accident and told them you're not paying. Grow up and realise there are consequences for your actions.
 
I'm not running away from paying. I'm being ripped off and I must accept... I'm not naive. I got plenty ty quotes nit even amounting to 10 000.
Too bad too sad, his insurance has already paid to fix his car, you're now liable for that bill. Perhaps you should've spoken to Mr X after the accident to try resolve things amibicably?
 
Thata why you get 3rd party fire and theft insurance. Basically it protects whoever you cause an accident with as they get their share but you dont. Much cheaper then normal insurance.

Driving without insurance is looking for trouble.

A lot of these cars dont have bumpers as before. Also depending if you broke any lights etc or did damage to the body.

I can tell you that repairing a nick on my wheel arch ended up costing me R7500 to repair.
 
Too bad too sad, his insurance has already paid to fix his car, you're now liable for that bill. Perhaps you should've spoken to Mr X after the accident to try resolve things amibicably?
It's not up to Mr X to resolve anything. He has insurance for a reason - to protect himself. You damage his car, he instructs his insurer to return it to the condition it was in previously. They then do so. He has no obligation or reason to deal with you privately. That's just asking for headaches - he would have ended up out of pocket because you're not paying...
 
It's not up to Mr X to resolve anything. He has insurance for a reason - to protect himself. You damage his car, he instructs his insurer to return it to the condition it was in previously. They then do so. He has no obligation or reason to deal with you privately. That's just asking for headaches - he would have ended up out of pocket because you're not paying...
Exactly this, but OP needs to grow up and realise they were in the wrong and now are fighting this stupidly and than calling us all out for his stupidity?
 
Insurance is there to fix up the car via dealer back to its previous condition. You cant call some cheap paint shop to get a guy that just know how to spraypaint a scratch and charge you 10k for it. The scratches and dents should be repaired and then the paint colourmatched and layered up. Its quite a process.

I have seen a cheap repair job which was R5000 cheaper and the car looked visibly repaired and the paint bubbled. A proper job you would not notice the difference.

Should the owner accept crap workmanship because you causes the fault? Nope. You should pay. Youre lucky it wasnt an Italian car or Mercedes or BMW.
 
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