I accidentally rear-ended a parked car last week, and it feels like the owner is trying to charge me more than the actual damage. The impact was minor—I barely noticed it—and my car only has a tiny mark on the rear. The other car has a minor scratch. We exchanged insurance information, and I reported the incident to my insurance company, who confirmed that I’m at fault since the other vehicle was parked.
However, the owner later sent me a repair quote via WhatsApp that seems excessive. They want to replace the entire rear bumper and make repairs beyond what I believe was actually damaged. What options do I have in this situation? Can I contest this estimate, or should I just let the insurance companies handle the payments?
It’s understandable to feel concerned if you think the repair estimate seems inflated. Here are some options you can consider:
Review the Damage: If possible, take a closer look at the damage to the other car and compare it to the quotes you’ve received. If it truly is just a minor scratch and nothing more, that might help support your case.
Get a Second Opinion: You could suggest that the other car owner has their vehicle assessed by another repair shop for a second opinion. Alternatively, you could consult with a repair shop yourself to understand what a reasonable repair cost would be.
Communicate with the Other Owner: Politely express your concerns about the estimate. Sometimes, a direct conversation can lead to a more reasonable compromise.
Involve Your Insurance Company: Since you’ve already informed your insurance company, communicate your concerns to them. They might be able to help mediate the situation and provide guidance on whether the estimate is within a reasonable range.
Document Everything: Keep a record of all communications, quotes, and any evidence of the damage. This may be useful if there are disputes later on.
Negotiation: You can negotiate with the other party on a fair amount based on the reasonable assessment of the damages.
Know Your Rights: Familiarize yourself with the laws regarding minor accidents in your area, as they can vary by region.
Ultimately, it’s usually best to let your insurance company handle the bulk of the communication and settlement since they are experienced in navigating these situations. However, staying informed and involved can ensure that you are treated fairly.