Dear Gods of Motoring,
I've ended up in a very stupid predicament. I was rear ended back in February, so filed a claim against TP through my insurance. They allocated a garage etc, but I just did not have a chance to give up the car for the few days they would require to do the repair.
Then I went on holiday, came back straight to working consecutive nights and forgot about it. Now I've got some free days coming up when I can give up the car for a few days, but here's where the pickle comes in:
Although my insurance said they're happy to go ahead with it, they can't guarantee how long it will take them to procure the amount from TPI company. Given that my insurance is up for renewal at the end of December, there's a strong chance I won't have my NCB at renewal time.
The damage to my rear bumper isn't drastic...there's a square mark where the bumper was forced against some metal plate underneath, and it doesn't line up quite right on one side. My excess is £250.
What should I do?
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