Hello forum - it’s been a while! Hope you’re all well
Overnight on Monday night someone scuffed the corner of the front bumper of my ID3, presumably when parking or leaving a parking space in front of me.
There is very minor cosmetic damage but, after removing paint transfer with compound and a bit of elbow grease, it’s really just a thin, 10cm strip of paint that’s been removed on the corner of the painted bumper.
Like a good subscriber, I reported the damage through the app. Now I’m being told that because it’s third party damage I have to report it to the insurer, pay £1,000 excess and have it repaired by FMG.
I’m not questioning my excess liability (I anyway have excess insurance) but I just don’t want the hassle of repairing it now.
I have no idea who the third party was so there’s no chance of the insurer recovering the cost.
In my view, it would be far more sensible to leave the damage as it is (it’s barely noticeable), then repair it when the car goes back at the end of the subscription and charge me for the repair then.
Can anyone help me break out of the process I’m stuck in???