Personal car

Published on May 26th, 2011 | by Pete

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Crash Bang Wallop What a Profit!

Regular readers of my blog will know that I have at times made reference to a car accident I recently had. I was on the way to work, and was approaching the end of a dual carriageway. I was happily waiting to enter the traffic on the roundabout, when I was shunted from behind. I naturally pulled over to exchange details with the other driver involved. He was an older gentlemen, who decided that even though he accepted responsibility for not looking where he was going, did not feel the need to push himself and give me an apology – I do get fed up when younger people are constantly accused of having no social graces, and then older people feel the need to avoid social niceties. Anyway, this isn’t supposed to be a rant/commentary on the current social climate.

I got home and received a phone call from the other chaps insurance company – did I want to make a claim? No thanks I replied, I could see no damage and did not really want to get involved in all the rigmarole of forms etc. Life carried on as normal for a few days until the weekend. My wife and I had visited my parents for a coffee, and I was recounting the tale to my father. He is a man who leaves nothing to chance where possible, and he wanted to have a look at my car himself. He then, along with my wife observed some damage to my rear bumper. I then opened the boot, and could not for the life of me close it, however hard I slammed it! This meant there was clear damage as a result of the accident and I telephoned his insurance company back.

I won’t bore you with all the details of the 10 billion phone calls I had to make chasing people up to make sure they did what they should, even though I was the victim. The long and the short of it, is that the other chaps insurance company gave me £796 for the repair! It only cost me £246 to get the car repaired and through the MOT (which coincidentally was due to expire a week later). That means I made a profit, yes, a profit of £550 out of an accident.

I had mixed emotions about this. I knew I had not broken any laws, or done anything wrong. Everything had been handled by professional companies, and my car had been assessed and repaired appropriately. The whole just seemed a little wasteful, and even though I ended up with a lovely surprise pot of cash it still felt wrong somehow. I guess I may have been aware of how car insurance premiums have shot up in price recently, and I wandered if it was because companies are as wasteful as they were in this case.

I’m not going to labour the point. It’s not like I gave the money back. I can’t claim to be a car insurance martyr, and the cash came at just the right time to help us through a bit of a financial sticky patch. I guess I just wanted to express how weird I felt about the whole process. I’d be interested to hear from anyone else who has ended up with unexpected cash and has been left feeling a bit odd or guilty about it…

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