Quote:
Originally Posted by wannabee
It was a lovely girl I knew from work who said she couldn't go through insurance because the excess was about four thousand dollars. I said "Don't worry about it". The car was only two inches shorter than the night before and about four from brand new, but I was the most wonderful understanding bloke she had ever met.
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It was her choice to go for cheaper car insurance with a $4,000 excess. If she can't afford a $4,000 excess, she shouldn't have that policy.
But I suspect her real problem is that a claim would greatly increase her car insurance premiums at the next renewal.
So if you were being very generous, you could get her to settle your repair bill without involving the insurance companies in terms of making a claim.
But you really ought to report the accident to your insurance company, or you might find yourself left in the lurch one day if your insurance company claims that you concealed material facts.