A couple of days ago a kid from my road rode his BMX into my parked car and one of his stuntpegs managed to scratch through to metal along almost the entire length of the lower drivers door. He's got to be at least 13. I know where said little shit lives so I've calmly confronted his mother who denies all responsibility.
Local police suggest I contact my Insurance and to settle the matter with them, ruining my years of no-claims.
I have third party fire and theft so I'm aware that if I damage my car myself that's entirely my own fault, but this is a different matter. Who do I claim against if my car is damaged by a cyclist, nevermind an underage monster energy powered gobby little shitbag that likes to learn how to wheelie in the middle of a packed residential street.
I've kindly been provided with CCTV footage by my neighbor, but I have no idea of how to proceed.
I'm going to have to have the entire door resprayed it's so scuffed up. Surely the parent is liable?
>>3521 Yeah but you're not going to lose the car. Stop being such a numpty and light the motor up. Insurance will pay out, just don't make it blatantly obvious. I can't believe they let utter retards like you drive cars, why would you even bother making a thread, all of the information you need was in the original post.
Weed is cheap, insurance for a V8 isn't. I never predicted that a shit for brains London born teen would move up here and charge about like he's got some invisible gang to show up and scratch my car.
You now what, next time he shows face I'm going to give him a back hand and chuck his prized BMX in a ditch, since no-one else cares to lend advice I might as well take it upon myself, no?
>>3523 You're just an idiot, this has nothing to do with class and in fact I'm actually happy this has happened to you because you've shown your true colours. Set the bloody thing on fire and stop being such an M&S organic tofu eating sallypally about it.
>>3525 >I'm going to give him a back hand and chuck his prized BMX in a ditch
You wish you had the guts to do that, you're a tottering country bumpkin who can't even pull off a bit of insurance fraud. I don't blame the lad for fucking up your car, you sound like one of those passive aggressive twats who'd send bitchy little postit notes about it. His mum clocked you for the minnow you are, no wonder why she didn't care about your useless mewling.
>>3528 That's not a fair comment, you know nothing about me or my family history. We're all boxers you know, you want to see the colours of nature? Come to my house, I'll show you what comes out of your nose.
>>3529 The reek of frustrated middle aged man just seeps out of you. Encumbered by the day to day struggles of living in a modern day urban environment is keeping you down eh? Are you feeling particularly emasculated by your inability to control your life and does this little bitchy show of strength make you feel better? Go set the fucking car alight and go to bed.
>>3518 >I have third party fire and theft so I'm aware that if I damage my car myself that's entirely my own fault
No, it means damage to your own vehicle is not covered at all. Third party cover is against your liability to third parties, not their liabilities to you (their insurance covers that). If you were to take this to your insurers, without someone else to claim against, they would register it as an own-fault claim against your own policy, at which point they'd then tell you it wasn't covered. The only recourse you might have with them is legal assistance cover, through which you could sue the scrote (through his parents). This is generally considered "ancillary cover" and therefore wouldn't need to be declared when getting a quote.
Surely if you hand the footage to the police you've done all the work for them needed to charge the kid with criminal damage? Then again you never know with the police, if it isn't a motorist they can make money off for speeding they don't really care.
>>3551 Right, your neighbour has your parking space on CCTV so it'd be best if you move it out somewhere, preferably an area known for it's scoundrels so it doesn't arouse suspicion. It's going to have to look like someone was touching the dog's arse and the minor nature of the scratch itself means that it wouldn't look like you were claiming on your insurance so I think you're sorted there. Scout your potential arson spot for cameras and potential nosy twats. Fill the car up on a full tank and then leave it at your desired spot(or get a friend to do this part for you). Wait a day and then take a cab to the place at night, don't take an uber or anything that might leave a trail back to you, walking would be best but I can see how that might not be viable.
Now for the burning itself, you'd want to go for the most simple method possible which is a towel (make it bigger than a face towel but not too big) and then stick it in the petrol tank and set it alight. Go back home and then report your car as missing and eventually the police would get back to you with the story of how some pikeys took it for a joyride and set it alight. Be vehemently angry about the thing and get your police report and hand it to your insurance.
The only feasible way you could get caught is if CCTV catch you on your way to the burning spot so try and make it a short journey, or better yet, get a mate to drive it to the spot, nothing will come back to him because they would only be searching for speeding cars rather than someone driving normally but it's a good precaution to take nonetheless. I've set a few cars alight in my time but don't really know how to claim insurance on them so someone else might guide you on this part. It should be quite simple though.
>>3553 Seems like a lot of work and very risky. I was thinking of just setting it alight near my house, but then I realise that would be stupid. I have a bicycle. So I guess I will take it to the area where the smackheads congregate and set it alight next week.
I am a bit frightened. Is the towel going to burn all the way to the petrol in the tank? What if it stops half way? Do I stop till it blows up like they do in films? How far do I have to be? It can't be that simple.
>>3554 You're only pulling my leg but I forgot to tell you to soak a third of the towel in some petrol and then wait for it to drip out but not become dry. The part that you haven't soaked should be inserted into your tank and you should run away from it after having lit it but it'd take a minute or two for the car to actually become a fireball. Don't do it in a residential area and good luck with it mate.
>>3560 Sounds like someone knows what's what. All I can add is that used tampons from the bin at your local boozer's ladies bogs can make for splendid DNA red herrings.
Incredible world we live in. A masterpiece of engineering composed of thousands of independent pieces gets a scratch and the solution is to set it on fire like a fucking caveman. And the people who demur are considered hoity-toity. Never mind the danger, the cost to the public purse, the massive waste of time and effort of the whole endeavour. It's all so ladm8 can have it replaced in its entirety for free. Because it got scratched.
This is like 'wash the damn spoon' taken to eleven.
>>3566 You are quite correct of course and this actual professor - a fucking hero to me for this and I am glad he ran with his legal defence of not remembering a thing - would agree with you.
http://www.bbc.co.uk/news/uk-england-tyne-21086848
I really don't think that towel thing will work. I don't think there's enough oxygen in the fuel tank. I believe cars are also engineered against this sort of thing.
An educated guess. I know for a fact that cars made after a certain year have anti-siphoning designs which would work just as well to prevent this sort of fire. Not only that but you'd need the right ratio of oxygen to gas for it to ignite, and the tank would be full of vapour rather than oxygen.
Personally I would just pay to have the paint fixed, or destroy the vehicle in some other way.
>>3573 It doesn't seem to have dawned on OP yet that claiming for a fire isn't going to help when he wants insurance on his next shitheap. 'Any claims in the last five years?' 'Yeah, my last car got 'cough', 'stolen' and, ahem, 'torched'.
Certainly sir, fuck you, here's a comedy quote.
>>3574 You do realise this entire thread was nuked the second someone mentioned insurance based arson. No one here is serious because OP doesn't have the balls to go through with it. He's all talk.
