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Urgent advice needed
#1502425
10/08/2014 17:32
10/08/2014 17:32
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Westie1
Unregistered
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Westie1
Unregistered
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Hi all,
Please could someone offer some advice as to what to do in the situation that has just happened.
My neighbours large gazebo has come flying over my garage and landed on the roof of my coupe, denting it badly in the process.
The legs of the gazebo also managed to wedge themselves under the front bumper causing some minor scrapes but there are also scrapes along the bonnet that I have found too.
Do I try to claim through his house insurance for this?
No idea what to do right now so any advice would be really appreciated.
I've taken loads of pictures so I'll upload some as soon as I can to show the damage etc.
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Re: Urgent advice needed
[Re: Nigel]
#1502433
10/08/2014 18:25
10/08/2014 18:25
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Westie1
Unregistered
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Westie1
Unregistered
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Thanks Nigel,
Yes it has broken through the paint to the metal unfortunately. My neighbour has been round to get the gazebo but not said much to be honest. He thinks he has insurance to cover it but needs to check.
There could be more scrapes etc but so hard to see because of the rain.
I'm struggling to upload my images from photobucket. I'm copying the direct link but then its not working on the image popper. Am I missing something?
Last edited by Westie1; 10/08/2014 18:26.
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Re: Urgent advice needed
[Re: ]
#1502434
10/08/2014 18:26
10/08/2014 18:26
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DanDan
Unregistered
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DanDan
Unregistered
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Sorry to hear that Jen! How annoying! I can't offer any advice in this instance, although Nigel has pretty much covered that I hope you get it all sorted out with little hassle!
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Re: Urgent advice needed
[Re: ]
#1502436
10/08/2014 18:31
10/08/2014 18:31
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Westie1
Unregistered
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Westie1
Unregistered
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Thanks Danny, hopefully all will get sorted.
Any advice on the photobucket images?! Trying to get them to upload is proving stressful!!
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Re: Urgent advice needed
[Re: ]
#1502437
10/08/2014 18:32
10/08/2014 18:32
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DanDan
Unregistered
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DanDan
Unregistered
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Jen, copy the links on here and we can correct them and see where it's going wrong.
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Re: Urgent advice needed
[Re: ]
#1502440
10/08/2014 18:49
10/08/2014 18:49
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Westie1
Unregistered
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Westie1
Unregistered
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Last edited by PeteP; 10/08/2014 20:09. Reason: sorted picture, click on "quote" to see what I did
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Re: Urgent advice needed
[Re: ]
#1502442
10/08/2014 18:51
10/08/2014 18:51
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Westie1
Unregistered
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Westie1
Unregistered
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Last edited by PeteP; 10/08/2014 20:10. Reason: sorted picture, click on "quote" to see what I did
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Re: Urgent advice needed
[Re: ]
#1502494
10/08/2014 23:25
10/08/2014 23:25
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Joined: Dec 2005
Posts: 6,459 Both feet in Meldrew Ave
Cappo
Forum is my life
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Forum is my life
Joined: Dec 2005
Posts: 6,459
Both feet in Meldrew Ave
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I have a feeling that it comes down to whether you can prove that the neighbour was negligent. If he has erected the gazebo in accordance with the instructions, pegged/weighted it down, etc, then it may come down to an act of god and your only recourse then would be to claim from your own insurance. However, if he can be shown to be negligent then you might have a claim. The damage looks like it won't be something he will want to fund out of his own pocket, so you would probably have to have the argument with his house insurer (if he's insured).
I believe that if, say, a roof tile comes off and hits a neighbour's car, then if your roof was/is maintained in good condition, you're not negligent and they have to get it sorted themselves.
I have a largish gazebo and the instructions definitely said something about not using it in high-wind conditions; there has been bad weather today in lots of places so that might be your best angle to take if he or the insurer challenge it?
All the above said, I'm not a lawyer or an insurer!
Habeus Maximus V8 Nihilum
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Re: Urgent advice needed
[Re: ]
#1502534
11/08/2014 12:17
11/08/2014 12:17
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Joined: Oct 2013
Posts: 1,290 Staffs
Dazvr6
My job on the forum
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My job on the forum
Joined: Oct 2013
Posts: 1,290
Staffs
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You need to make a claim on your neighbours home insurance as said above. Similar thing happened to me yesterday with a large parasol from next door. Put a nice 10" dent/scratch on the missus car.
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Re: Urgent advice needed
[Re: ]
#1502540
11/08/2014 12:42
11/08/2014 12:42
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go_fast_Chris
Unregistered
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go_fast_Chris
Unregistered
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makes a person wonder what sort of person actually uses these things in high wind.... maybe its just me, but common sense says you wouldn't do it or if you had to it would be weighted down / tied down in excess.
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Re: Urgent advice needed
[Re: ]
#1502602
11/08/2014 17:56
11/08/2014 17:56
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glenn1960
Unregistered
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glenn1960
Unregistered
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makes a person wonder what sort of person actually uses these things in high wind.... maybe its just me, but common sense says you wouldn't do it or if you had to it would be weighted down / tied down in excess.
an idiot !
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Re: Urgent advice needed
[Re: ]
#1502636
11/08/2014 20:42
11/08/2014 20:42
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Westie1
Unregistered
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Westie1
Unregistered
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Thanks everyone for the comments. My neighbour has agreed to look into his home insurance policy. However bad news on the cost of the repair. I took it to 3 different body shops today. Two said I will need glass taking out ie rear window, sunroof and side window...really?? I also have a dent on the bonnet near the headlight which I didn't see in the rain yesterday. I am told this will need a full bonnet respray. Total quote from one body shop £1341!! Here's a picture of how the dent looked this morning after I dried off the car.
Last edited by Westie1; 11/08/2014 23:46.
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Re: Urgent advice needed
[Re: ]
#1502723
12/08/2014 13:11
12/08/2014 13:11
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Westie1
Unregistered
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Westie1
Unregistered
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Could anyone recommend an excellent body shop in the North West area? I'm in Stockport but would travel to ensure a really good job was done. Thanks
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Re: Urgent advice needed
[Re: ]
#1502768
12/08/2014 16:20
12/08/2014 16:20
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Westie1
Unregistered
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Westie1
Unregistered
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I've had 2 further quotes for around the £900 mark but none of these places I know or have been recommended so I'm trying to find somewhere that has a good reputation. I would prefer the glass not to be taken out if at all possible as I'm worried about breakages and things not going back as they did before. I was planning on getting an agreed valuation next year Simon. Like you say I've invested a lot of money into the car this year and feel that it would be sensible to do that. Then this happens! Do home insurance companies have the power to write off a car as well? My neighbours have said that if the insurance doesn't cover it then they will cover the cost of the repair but I don't expect they will have any idea that it's going to cost so much!!
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Re: Urgent advice needed
[Re: Kayjey]
#1502863
13/08/2014 08:15
13/08/2014 08:15
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Joined: Jan 2006
Posts: 329 Manchester
andy2
Making a profit
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Making a profit
Joined: Jan 2006
Posts: 329
Manchester
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For Manchester car bodywork repairs then the only place I'd trust is here: Gratt MotorsI've used them to fix some non-fault damage to my RS4 and the job and service was perfect. The Mercedes Benz Club use them for a lot of their classic car restorations which is high praise indeed when you see the standard of the finished work.
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Re: Urgent advice needed
[Re: ]
#1503799
20/08/2014 00:23
20/08/2014 00:23
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Westie1
Unregistered
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Westie1
Unregistered
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Well it appears I'm in a sticky situation with this. Although my neighbours have verbally admitted liability their insurance provider has told them that I must claim from my own car insurance policy for this. My car insurance company have advised me to avoid claiming through them as it is likely that the home insurance company will not admit liability which will cause me to lose a number of years from my no claims bonus as well as affecting my premiums for next 5 years! I assume it is still negligent to have had a gazebo up in such adverse weather conditions.
I also consulted an independent accident management company to see if they could pursue the claim for me to avoid involving my insurance but they have contacted the home insurance who have said they are not liable and it was an "act of god"!
I really don't know what to do now.
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