Originally Posted by bigdel

Ok, let's throw this open to discussion....

My lad was reversing into a car parking space tonight when someone reversed out of where they were parked and hit him.

The guy claims it was my lad's fault, and he says the opposite.

The guy was driving a newish X3 and my lad's in his tired old Corsa.

There's minor damage to both ( the X3's got a scuffed bumper and the Corsa's got a dent in the door)

We don't want this to go through the insurance cos he pays enough to those money grabbers already, but then again, we don't want to pay for his damage cos we believe it's not my lad's fault.

Phoned the insurance company and they said we had to report it within 48 hours (they would say that wouldn't they?), but in all likelihood it'd be treated as a 50/50 so they wouldn't end up paying anything, and the other guy's excess would probably cover his repair. (stayed anonymous on the phone for now)

But, having reported a claim, then that's likely to inflate an already huge insurance premium for my boy, so we'd rather not bother and just say they each cover their own damages.

Advice, comments??