My neighbour guest claims that my wife scratched his car when she was moving from the garage.
He has a few scratches on the bumper.
I came out later and checked the scene. On my car there is no scratches, original paint. He says the scratches were done by mudflaps. No single proof from his side.
Have got a claim from his insurer. What would you recommend?
I saw someone flip out at their kid for dropping a monitor, there was a gash mark in the monitor, ruined forever, he was a big jerk about it. Except it was just a scuff mark that rubbed right off, monitor was fine. Some adults act like big babies over little splashes of milk that could be dabbed up in a second.
Or maybe people should be more careful of property which isn't there's and if they do damage the property they take responsibility and fix or pay to have it fixed?
You must be a blast at parties.
Take responsibility for a tiny scuff Mark that takes a second to wipe away? I dunno, that’s a big ask.
@AustriaBargain: If a tiny scuff mark that can be wiped out easily is worth fighting for then this guy has other issues.
It was their own kid. I suggest you read what you are replying to, before you reply to it.
If the insurer contacts you tell them nothing happened?
Was your Neighbors Guest entitled to be parked on site?
Is it Strata, Parking Residents/Tenants only?
Or was it parked in a designated Guest space?
Maybe your Neighbours Guest scratched it on something themselves particularly if
they were unfamiliar with parking at the location.
Scratches on a Bumper - First World Problem…
Pass it to your Insurer?
Doesn't matter whether they are entitled to. Different issue.
How big were the mud flaps to cause scratches to a bumper?
Sounds ludicrous to me.
Get their details, give it to your insurer, and deny that you even had anything to do with it, and that it would be impossible to cause damage by mud flaps.
Your insurer will then fight it on your behalf and tell them to bugger off.
Happened to me when I had a motorcycle and lived on the Gold Coast.
Got a letter of demand in the mail one day, claiming over $1000 in damages to the rear of their car, including boot liner and all sorts of things.
I rang my insurance and said if I had caused that much damage, my bike would be totaled, and that it was fraudulent.
Insurance took care of it and no claim.
Get their details
Don't give any details.
Take photos of both vehicles and wait for their insurer to make contact. Then deny that there was a collision and advise them that you have evidence to dispute their claim in the Court.
1) I didn't say give any details. If they're claiming you damaged their vehicle, they will usually send a letter of demand, possibly via their insurance.
2) You don't need to go to court; you pay for insurance and that's exactly what it's there for. Your insurance will fight it out on your behalf.
The other party won't get far with their insurer if they don't have the Ms details. The owner will take one look at excess and drop it.
@whooah1979: You obviously didn't read my post.
I also got knocked off my motorcycle last year and the car ran rather than stopping. I gave the license plate to my insurance company, and 6 months later I got my excess back as they had gone through all legal processes to identify and recover funds from the other party.
Giving number plate details to your insurance company in the case you don't have the rest of the details, the insurance company will go to all lengths to obtain those details, i.e. hit and run, and can contact the person.
You obviously have no idea how any of this works.
Flaps come in all shapes and sizes. 😏
Ger her to un-install Netscape…
He says the scratches were done by mudflaps.
Found a picture of OPs mud flaps.
I guess they would inflict damage.
Gotta watch out for the overly big flaps.
Supplied and fitted at Fully Sikre Salim's Sled Shoppe, as per pegaxs' recommendation.
Can confirm. I regularly use Fully Sik Salim's Sled Shoppe. Best in Bankstown.
Branches everywhere, but just one at a time. Amirit?
Those are some terry folds..
What evidence does he have to blame your wife (mabe CCTV or dash cam?)..
Nothing actually
Nothing actually
Are you kidding me??? Then you have nothing to worry about.
If there is no evidence, then your neighbour's visitor can GTFO. They can bark all they like Trump losing the election.
If I park my car at a shopping centre, and someone dings my vehicle, and I have no freaking idea what happened because I had no video footage, then I have to pay the excess if I were to lodge a claim. I can't just go about randomly picking the vehicle next to me as the perpetrator.
Also, don't give out your details to the other party, if you are absolutely certain your vehicle wasn't involved.
No evidence = No claim.
You said there was a third party witness who saw your wife do it?
Did she hit his car?
As far as I know not.
When your wife was moving from the garage, did she move the car she was driving near the guest's car? Do you have a dashcam? Does the guest have a dashcam?
I'm trying to understand why, of all the people who could possibly have scratched his car, the guest is blaming your wife. Do you live in a property with communal areas? Was the guest parked near the garage or near where the your wife moved the car to?
I think we're going to need an MS Paint diagram™.
Sounds dodge.
I love how you were the first person to actually ask this haha
Does your car have a 4ft lift so the mudflaps can actually touch the other car?
Perhaps she drives a monster truck?
Pics…. :D
Could you allow him to scratch your wifes? Then you would be even.
Wife's or wives?
wi-fi
Tell his insurer your wife didn't do it.
Get your wife to do a stat dec to that effect.
this!
their insurer can't do anything as there is no tangible proof that you hit their car. They'll definitely pressure you but at the moment it's your word against theirs. With no evidence, no eye witnesses and the other party not actually seeing your wife hit their car, they have no legs to stand on here.
Your wife drives a monster truck with mud flaps that can cause damage to another car? Otherwise I call BS. 😁
It is just a Mitsubishi Pajero Sport
Yeah, that didn't happen. Unless she have illegal mudflaps that protrude from the car, their is no way she could mark another car in a Pajero Sport with out leaving a mark on her car.
It wasn't me that negged you but I wouldn't make such assumptions. Don't know what OP's background is but have heard people use the word 'scene' in a general context as in to say they came to see what's up kind of thing. Doesn't necessarily imply it's relevant to them or they were involved.
Thanks mate. English is my not even a second language.
Not a worry. It's a bit of a ridiculous thing to make a comment of regardless so don't pay too much attention to it
@Zarcady: Agreed. My point wasn't about proficiency, it's about phrases and vernacular different used by other backgrounds that might not translate the same.
I'd recommend saying "have a nice day" and doing nothing. If his insurer calls, say "it didn't happen". If they provide proof, call your insurer and let them sort it out. Worst case is you end up paying your excess.
Thank you. It was my last resort option.
Take a poop on his doormat, or even in shoes left outside, send a message
I think when the other driver gets told to get lost by the OP the poop might end up on the OPs doorstep.
From the way you wrote it seems your wife has been accused of scratcing the car herself (not whilst driving her/your car).
Does the height match up?
Of what? There are no scratches on my car.
If the alleged mudflaps that caused the damage.
Step one: show no damage to your vehicle
Step two: show that no part of your vehicle that would not have been marked could have touched the other vehicle.
What happens if the poster did nothing, ie, not respond to the other party insurer nor contact his own insurer? Couldn't he simply just ignore ridiculous claims in the mail?
It depends on how far the guest's insurer or legal adviser wants to push it. It could end up in court. Even if court action ultimately failed, it could cost the OP time and money.
Also, there will probably be a condition in the OP's insurance policy that requires them to forward the claim to their insurer. If the OP does not, the OP's insurer may not have to cover the OP or act for them in court.
Couldn't he simply just ignore ridiculous claims in the mail?
Ignoring it can go two ways.
If they are just trying it on, ignoring it will make it go away, but if they think it’s real ignoring it can increase the difficulty of dealing with it.
If you engage by denying, it also gives them further ammo to escalate, but may just stop them completely if they are just trying it on.
If they are just trying it on, ignoring it will make it go away, but if they think it’s real ignoring it can increase the difficulty of dealing with it.
INAL, though I went through an experience with parallels to this. I spoke with my lawyer and he advised that in a legal sense, if you don't refute the claim, you're admitting some sort of guilt. It was a long time ago and I may have understood it incorrectly, but if it's correct, there may be consequences if this route is chosen.
Did anyone witness the alleged incident? Any CCTV record or dashcam evidence? If not and there is nil damage to your vehicle, deny everything and pass any letter of demand or other correspondence on to your insurance company. I have had experiences of minor to moderate damage to my vehicle, and not noticing it for a day or two. It probably occurred in a shopping mall, and I have no idea how it happened.
More info about the guest situation? Were they visiting for the day/evening? Or long term guest? What prompted them to find the scratch and blame your wife?
I can't imagine being a guest, and raising a ruckus that could potentially cause uncomfortable relations between my friend and their neighbour.
Exactly, you wouldn't, unless it actually happened..
Maybe the ‘guest’ was there ‘by the hour’ and didn’t get paid.
Mudflap…bumper…. these "scuff marks" can easily be buffed out with typical polish.
Do not admit to anything…. do not offer assistance…. do not engage with them.
Tell them where to go and admit to nothing, not even being in the country at the time. If they think it’s your fault then they need to prove it. Simple.
just ignore as they have no evidence. Do not contact your insurance for nothing. Tell them that happy to go to court in case of …
Bikies
oh wait that is advice for the neighbor.
They don't have evidence, they/their insurance can't do anything.
Just ignore them and don't exchange any details.
Take 360o pictures of your car
Shows no scratches and see what they are going to do next
Tell the other insurance company to show you evidence because nothing happen and you suspecting them blaming their damage on you and try to do a insurance job.
Tell them if they cannot produce any evidence, then they can go away.
Would like to see the mud flaps on the op's car before passing judgement.
Bingo
:)
Can you provide an MS paint diagram please?
Why is he blaming your wife? What does she say?
Hey OP
You wife ran into my car in Brisbane as well. Can I have your details please for my insurance?
Make sure you respond to the insurer.
Tell them that you formally deny liability in full.
Ask them to provide you full proof of loss.
This will include the quote/invoice for repairs, the other sides accident description and any evidence (which they obviously won't have).
No insurer will do anything about this one considering it can't be proven.
Out of curiosity, who is the insurer? I can let you know how tenacious their claims will be.
Buy a camera to watch your car. I'd expect an angry driver to key it or something else vindictive if you tell him No.
As others have said. Unless they have proof, you have nothing to worry about.
Earlier this year a relatives car got hit while parked in front of my place. I knew who was responsible but couldn't prove it. It was my word against theirs.
Is the mudflap the same height to the scratch mark?
OP's vehicle must be a 4x4 or something that sits up high for the mudflaps to 'scratch' the bumper…
or the neighbour friend's vehicle must be super low.
You are right. Most of the mudflaps would only scratch the top/side of kerbs. For the mudflap to scratch the bumper is unusual and it would be easy to prove anyway.
Where I work a customer reported a hit and run and we inspected the damaged car. Took us half an hour to locate the other car and we went around it to check for damages at the same height level. Sure enough, we found the damage that matched and took photo of it along with the number plate for the owner of the damaged car.
Your wife obviously did it. Take responsibility, hand over your insurance details, pay up and move on.
I have no idea if my wife did it or not.
When I came to see what happened I saw a few small scratches on the bumper of his car, but nothing on my car. No paint on the car's body or mudflaps. Nothing.
There was not a single proof my car caused it.
I have no idea if my wife did it or not
That's an odd thing to say. Do you not believe what your wife says?
This, either she did or she didnt. can you not trust your own spouse not to lie to you about something like this? if so, pay for the damage.
C'mon, fess up. She did it.
lol the comment below tells another story..
So was there an incident? Why did you go out?
There aren't enough photos MS Paint diagrams for us to make a judgement…
One day i was waiting at an intersection and a lady rear ended into my car at a very slow speed, caused tiny dents and few scuffs on bumper. But i let her go. Wasnt major to go into details.
They demand more than 1200 aud…
at what exchange rate?
Mud flaps are plastic. Just buff the marks out of other vehicle.