[Closed] Neighbours bin fell onto my car?

I’d say your neighbour has gone above and beyond what is expected. Anything else is up to you.

If you do decide to go body shop, wait till just before you have to hand it back.

I agree with Jamie.

Me too

I sort of agree Jamie hence the issue however he(or his wife) just leaves the bins on the grass verge between the two driveways all the time without thinking about it.

Due to it sloping slightly my way Im forever picking them up and putting them back.

I also sort of dont feel I should be out of pocket or face having a damaged car due to their carelessness.

This should be good..

*Pulls up chair*

Oh, and what Jamie said.

Sounds like it's been bothering you for a while then.

Yep, agree with above.

Bins blowing in wind - Act of God / Weather etc. Not his liability I reckon.

Sounds like it's been bothering you for a while then.

Not really bothering more of an annoyance.

I get that things happen but we all knew about the winds and they have a place to put them where they wouldn't have blown over down the side of their fence.

I take pride in my car and try and look after it but now its dented it feels a bit tarnished.

This could be wheelie good.

Have a chat with your neighbour?

Jamie has it.

just leaves the bins on the grass verge between the two driveways all the time without thinking about it.Due to it sloping slightly my way Im forever picking them up and putting them back.

Then you should've done something about it. If you feel they are guilty of carelessness, you are equally guilty of complacency. Call it Karma. If it helps there's a parking dent on my PCP car door that will need to go through a body-shop before the car goes back. I'm not happy about it, but I knew it would probably have to be looked over when I bought the finance (same as you be the sound of it)

bin done

I agree with Jamie.

Rubbish thread.

This is why I would avoid a PCP car- the fear of getting it damaged from something outwith my control.

Console yourself that at least some twassock hadn't done something similar in the street/car park at the local supermarket and just p*ssed off without leaving their details.

Good luck either way! But I think the neighbour has been fairly resonable re the offer. I would however suggest that the bins get moved in future to a better place.

OTOH have you got a spare set of Bombers lying around? 🙂

Careless parking on your part.

You should buy your neighbour a new bin.

Time to get a get your spade and couple of slabs and [s]drop them on your neighbour[/s] make a flat spot so it stops happening.

They've litter-ally trashed your car, refuse to accept this rubbish

Console yourself that at least some twassock hadn't done something similar in the street/car park at the local supermarket and just p*ssed off without leaving their details.

Yep unfortunately that has happened to the driver door whilst we were at parents evening. Someone reversed into the door and buggered off.

Ive got two doors and a bumper that need painting/repairing now.

Car is a bloody curse

It's tantamount to an act of terrorism.

Was it empty or was the bin laden?

accidental it might have been but it was still his bin.

I refuse to take part in the punning

Car is a bloody curse

Take it back and get a new one?

[quote=perchypanther said]
It's tantamount to an act of terrorism.
Was it empty or was the bin laden?

[img] [/img]

perchypanther wins again. 😆

Octavia? Isn't that a [s]skip[/s] Skoda?

It’s kinda comforting to know, as we speak, PercyP is frantically trying to come up with a pun using the word Sulo. 😉

perchypanther - Member
It's tantamount to an act of terrorism.

Was it empty or was the bin laden

Applauds ^

Invoice God for the damage..

Don't get a car on PCP , its just a car suck it up , don't park a car where bins could fall on it, are all my personal views. BUT your neighbour owes you a duty of care to take reasonable steps to avoid causing you loss repeatedly leaving his bins where they are blown around on to you could be breaching that duty, you have a duty to minimise your loss and not contribute to accidents . A pair of lawyers could get rich off this if you are willing to push it far enough.

It’s kinda comforting to know, as we speak, PercyP is frantically trying to come up with a pun using the word Sulo.

Never frantic, Jimmy. It's effortless. 😉

[img] [/img]

Is PerchyP on PCP? Will we have to send him to the bodyshop before he gets returned?

Why was dent man allowed to work on the car even though he said he couldn't fully get the dents out? Effectively next door neighbour will end up paying twice for the same repair.

Not sure why folk think the neighbour sort of fixing it to an inadequate standard is ok. Sorry I ran over your wheel in my car here it is repaired but still massively buckled - still you can ride - we all good now then ?
this whole situation starts with a conversation with your neighbour not STW.

They might go yes and suck it up or tell you to do one.

Never frantic, Jimmy. It's effortless.

I never thought you’d go Sulo as posting that picture.

*taps mic*

This thing on?

How do we know the car wasn't dented Biffa the bin hit it?

Don't think your neighbour is liable in any way..
Ask him how much he was prepared to pay the dent man ..then stump up the rest for yourself for the bodyshop.
The Bin Laden line is an old joke ..Ive seen it as a strap line for a wheelie bin cleaning operation.
I've also seen multiple bins blowing around in the street on a windy day after being emptied ..

Bins blowing in wind - Act of God / Weather etc. Not his liability I reckon

get it fixed by a proper bodyshop under my car insurance

Or, if you can afford it, pay out of your pocket without involving the insurance company. Your premiums will go up if you claim, even if you have no claims bonus protection.

Another renton drama!
Acci[u]dents[/u] happen. Whilst its annoying its one of those things that cannot be controlled. It not like it was done deliberately like some tools at the supermarket seem to do when opening their car doors.

we all knew about the winds

Not sure why folk think the neighbour sort of fixing it to an inadequate standard is ok. Sorry I ran over your wheel in my car here it is repaired but still massively buckled - still you can ride - we all good now then ?

I think that if I left my wheel in the road I'd not be complaining if someone drove over it.

Remind me where the OP's car was parked?

Wouldn't the op's car insurance sort this sort this sort of thing out.

Doesn't sound to me that the neighbour was really negligent.

Your neighbour probably has 3rd party cover as part of his home contents insurance that will cover this, although the excess may be too high to be worth claiming.

Got to the dealers, ask what they'd take off for the dent, and work out whether it's worth the bodyshop.

Or, if you don't want to get them involved, see if you can find another dealer or a valeter who would give you an opinion on whether or not it would be noticed/cared about. You say it's obvious to you, but maybe not to someon else if they didn't know it was there.

We've all given back a hire car at some point hoping they won't notice that scratch...

Remind me where the OP's car was parked?

On my drive.

On my drive.

Well, in that case... I'd say you have much more of an argument. What about your neighbour's house insurance?

I'd say just chalk it up to "shit happens".

Definitely not worth falling out with your neighbour over. He's been very decent to pay for the dent man.

It's just a risk of owning a fairly new car that you have to put up with.

I will speak to my neighbour and see what he thinks.

We both thought that the dent man would be able to remove it to the point where you wouldn't be able to see it.

However when he came he pointed out where the bin had creased the panel and said he may struggle with that.

Now rather than the panel being straight its now rippled.

We were planning on keeping the car for quite a long time. It was our first new car and was my pride and joy but now it just feels tarnished.

Like Renton, I try to look after my car and it was similarly damage by a neighbour This chap drove his ride on lawnmower over the gravel drive to empty it, firing a chunk of gravel into the passenger door. It was an accident. Yes it's annoying, yes it wasn't my fault and yes I'm out of pocket due to someone else's laziness. But, cars get damaged. It's the fact that it's on PCP that's causing you the most stress, not the fact that it's damaged per say.

This is one of the reasons I'm not a fan of PCP.

I'm really surprised that so many people think the neighbour has done enough. If I was the neighbour I would be fully expecting to pay any damage casued by my bin, either our of my pocket of from my house insurance (If that covers it)

Now that the dent removal guy has done his best, how much, if any, will the PCP company charge you to fix the remaining dent when you hand the car back?

From what you have said it’s not a massive dent, but one that you will see if you specifically look for it. Based on that description, I’d be surprised if it didn’t fall under fair wear and tear. To get a body shop involved is going to cost hundreds, I bet the PCP company charge will be a lot less

f he has household insurance, this will probably pick up the tab under 3rd party liability.

I was about to post that this should be exactly the situation when your neighbour's home insurance should cover the damage.

We were planning on keeping the car for quite a long time. It was our first new car and was my pride and joy but now it just feels tarnished.

You'll get over it.

All the typical 'it's just a car' bollocks as usual.

The OP has a right for his car to be in the condition is was to start with. The neighbour's home insurance should cover third party damage.

Two courses of action:
* Get the details of the neighbour's insurer and directly make a claim.
* Claim from your car insurance and let them recover from the neighbour's insurer.

I'd do either depending on how much running around I felt like doing myself. But I would be making sure my car was put back to how it started.

franksinatra - Member

I'm really surprised that so many people think the neighbour has done enough. If I was the neighbour I would be fully expecting to pay any damage casued by my bin, either our of my pocket of from my house insurance (If that covers it)

That was my take on it too. If your car rolled down a hill and punted a hole through someone's wall (which actually happened to me) you'd fix the hole regardless of whether it was a mechanical fault with the car or something caused by weather.

The only reason there's any ambiguity here is because of the failed repair. If the door had been completely irreparable and required a new door it wouldn't be unreasonable to expect neighbour to pay for the new door.

[quote=bensales ]All the typical 'it's just a car' bollocks as usual.

Which is only mentioned because people are overly precious about them.

The neighbour's home insurance should cover third party damage.

Except as discussed there's a good chance it will deny it - because there has to be negligence for there to be liability. The wind blowing is simply an act of god.

aracer - Member

bensales » All the typical 'it's just a car' bollocks as usual.

Which is only mentioned because people are overly precious about them.

It's not about precious cars, it's about money. Probably thousands of pounds out of the op's pocket if he returns the car with visible damage. If that's an inconsequential sum to you, perhaps you should donate to the op?

All the typical 'it's just a car' bollocks as usual.

The OP has a right for his car to be in the condition is was to start with. The neighbour's home insurance should cover third party damage.

Two courses of action:
* Get the details of the neighbour's insurer and directly make a claim.
* Claim from your car insurance and let them recover from the neighbour's insurer.

I'd do either depending on how much running around I felt like doing myself. But I would be making sure my car was put back to how it started.

I'm really surprised that so many people think the neighbour has done enough. If I was the neighbour I would be fully expecting to pay any damage casued by my bin, either our of my pocket of from my house insurance (If that covers it)

Yes but that goes against the trying to wind up renton mentality on this forum.

Which is only mentioned because [s]people[/s] the company that owns them [s]is overly precious about[/s] wants to resell them for a decent price.

It is one of the pitfalls of PCP. You get to drive a nicer car than you would normally buy, but you are expected to keep it that way.

OP does happen to be upset because new shiny is not new shiny any more, but the bigger issue is more that he can't just shrug and forget it like we might do with a small dent on our own car, he's contractually obliged to get the car repaired or at least pay for the loss in resale value.

Yes but that goes against the trying to wind up renton mentality on this forum.

This is a similar issue to the wheelie bin/car placement problem. You have observed a pattern of behaviour/risk, and yet your car is still parked next to the bin.. 🙂

OP should have erected a windshield on day in question before bins did damage, given he knew said bins had a history of wandering. 😉

Or been more pro-active in telling neighbours that he regularly puts bins back in their proper place, insisting they find a better solution.

It is one of the pitfalls of PCP. You get to drive a nicer car than you would normally buy, but you are expected to keep it that way.

OP does happen to be upset because new shiny is not new shiny any more, but the bigger issue is more that he can't just shrug and forget it like we might do with a small dent on our own car, he's contractually obliged to get the car repaired or at least pay for the loss in resale value.

Its not that at all though to be honest. We had planned to keep the car for a good ten years and as it was new I wanted to keep it looking that way.

Fair enough if I had done the damage to it myself but all of the damage that has been inflicted on the car has been done by others.

Many times i have picked his bin up and put it right outside his garage, i dont think they are aware that it keeps falling over and I agree that its my fault that I haven't told them.

Which is only mentioned because people are overly precious about them.

It is one of the pitfalls of PCP. You get to drive a nicer car than you would normally buy, but you are expected to keep it that way.

OP does happen to be upset because new shiny is not new shiny any more, but the bigger issue is more that he can't just shrug and forget it like we might do with a small dent on our own car, he's contractually obliged to get the car repaired or at least pay for the loss in resale value.

Method of purchase is immaterial really, particularly as the OP has since stated he intends to keep the car beyond the initial PCP period. Some people like to keep their possessions in good condition. It's perfectly possible to own and use a car for a long period of time, without it displaying any damage. I always find it fascinating that most people treat what is usually their second most expensive purchase like rubbish.

Yes but that goes against the trying to wind up renton mentality on this forum.

Yes, that's right, it's everyone else.....

particularly as the OP has since stated he intends to keep the car beyond the initial PCP period. Some people like to keep their possessions in good condition.

As the proud non-owner of a 2016 Octavia on PCP, can't argue with that. My interest is purely financial though - OP will end up paying for the repair one way or another.

Yes, that's right, it's everyone else.....

This is a similar issue to the wheelie bin/car placement problem. You have observed a pattern of behaviour/risk, and yet your car is still parked next to the bin..

No, my car is parked on my drive with about 2 metres gap between next doors drive.

Also I would be acting the same if the car I had wasn't on PCP.

He's already offered to pay, let him know the situation, put the ball in his court, you never know. If he pays even half the cost, then go with it, and build a fence between the drives.

Move on, lesson learned.

[quote=martinhutch ]OP will end up paying for the repair one way or another.

I doubt it will make much difference at all if he keeps the car for 10 years. Buyers of 10 year old cars aren't likely to be all that bothered about damage which in the OP's words:

[quote=renton ]I guess to the unsuspecting person you wouldn't be able to see them

TBH I reckon the best thing is just to be more unsuspecting instead of trying so hard to see the damage.

Having read all comments, I very much doubt the neighbour's home insurance would pay up, which should tell you all you need to know about the neighbour's obligation to pay for the repair.

[i]first new car and was my pride and joy but now it just feels tarnished[/i]

Really? People and their cars eh? My mountain bike is my "pride and joy", gives me a damn site more pleasure than a damn car ever could. After a ride the other week there was a chip in the carbon! Right on the logo! I was gutted. For a second or 2.

Think back 40 years. How many people did you personally know who had a new car? That's because only a few people could afford them. Now we have credit allowing the poor to 'buy' things they can't afford, then they get het up when they can't afford to maintain them.

Bring back the 70s

My car is a 2016 Octavia on pcp so needs to be in very goo condition when I hand it back.

but you said in another thread the other day that you were buying it at the end of the PCP.....

Maintaining something is different to repairing damage caused by other people's carelessness.

Think back 40 years. How many people did you personally know who had a new car? That's because only a few people could afford them. Now we have credit allowing poor people to 'buy' things they can't afford, then they get het up when they can't afford to maintain them.

Right hold on......

Who has mentioned that I cant afford it?

Also have I mentioned that I cant afford to maintain it??

This is about damage caused to the car by someone elses property

but you said in another thread the other day that you were buying it at the end of the PCP.....

We were planning on doing that yes, however now its got even more dents etc my opinion has changed.

What does your point have to do with the op anyway?

[quote=renton ]This is about damage caused to the car by [s]someone elses property[/s] the wind

It's dented so you don't want it? Surely it's more desirable as the stress had been relieved by each war wound

Think back 40 years. How many people did you personally know who had a new car? That's because only a few people could afford them. Now we have credit allowing the poor to 'buy' things they can't afford, then they get het up when they can't afford to maintain them.

Bring back the 70s

It's dented so you don't want it? Surely it's more desirable as the stress had been relieved by each war wound

how does that second quote even relate to your first quote??

[quote=renton ]We were planning on doing that yes, however now its got even more dents etc my opinion has changed.

So instead it will cost you money when you hand it back because of the damage and you'll get something else which will be just as likely to get more dents? I'm going to stand by my overly precious comments here, because it appears you are contemplating spending thousands of pounds to get rid of a problem which is only an issue for you [b]if you let it be an issue for you[/b]

Renton, your logic is a thing of joy.