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Advice related to accidental property damage
Posted on 4/21/25 at 10:54 am
Posted on 4/21/25 at 10:54 am
A neighbor's kid, maybe 6 or 7 years old, ran into my garage on their bike and has caused around $1,000 in damage while we were not home. We don't know the family, but they did reach out to share what had happened. I also have it on a security video. Long story short, they don't want to pay once we got the expensive quote. We're still doing some back and forth, but I'm looking for thoughts on how to proceed and not let this get stale. Any thoughts on best ways to proceed with the repair and recovering the costs?
At this time, we only have one quote on the repair. I've never had a situation like this so definitely looking for help and maybe any cautionary tales from the board.
At this time, we only have one quote on the repair. I've never had a situation like this so definitely looking for help and maybe any cautionary tales from the board.
16
Posted on 4/21/25 at 11:13 am to RickAstley
What kind of people reach out to share what happened then refuse to pay for repair?? Trashy imo
If the quote you got is too expensive for them, see if they want to propose an alternative repair person/company to get a quote from?
I wouldn't threaten legal until last resort. I'd wonder if it's going to be worth it for $1000
If the quote you got is too expensive for them, see if they want to propose an alternative repair person/company to get a quote from?
I wouldn't threaten legal until last resort. I'd wonder if it's going to be worth it for $1000
Posted on 4/21/25 at 11:13 am to RickAstley
Nobody has insurance with a deductible that low.
If they don’t want to pay, you can sue. Is it worth it? For a business, defiantly. For a neighbor? Probably not.
If they don’t want to pay, you can sue. Is it worth it? For a business, defiantly. For a neighbor? Probably not.
Posted on 4/21/25 at 11:18 am to RickAstley
Get some more quotes. Wife had hit ours a couple years ago and we had to replace the whole bottom panel/piece. It was around $600.
Posted on 4/21/25 at 11:48 am to Cypressknee
Small claims court.
Posted on 4/21/25 at 11:48 am to RickAstley
Would splitting the cost hurt you financially? If they don't want to pay, I would ask for them to get pricing. If they still don't want to pay or cooperate, I would at least offer to split the cost.
I know that's shitty, but sometime life isn't fair. Suing your neighbor over less than $1000 doesn't sound fun.
I know that's shitty, but sometime life isn't fair. Suing your neighbor over less than $1000 doesn't sound fun.
Posted on 4/21/25 at 12:19 pm to RickAstley
just fix your house dude. Were you never a kid? shite happens. I can’t believe you are even entertaining making them pay for it
Posted on 4/21/25 at 12:25 pm to RickAstley
quote:
they don't want to pay once we got the expensive quote
Maybe they can't. They sound like honest people, but maybe they don't have the money to pay for it.
Posted on 4/21/25 at 12:42 pm to RickAstley
Make the kid cut your lawn and pay half
This post was edited on 4/21/25 at 12:42 pm
Posted on 4/21/25 at 1:18 pm to RickAstley
If they own their home. You could file a liability claim w their home owners insurance. The video evidence should be enough to get you paid.
Posted on 4/21/25 at 1:18 pm to RickAstley
Get another quote and see if they’re willing to split it. If not, ask how much were they willing to pay, since they obviously feel some responsibility. Take whatever they’re willing to pay, even if it’s $0, get it fixed, and move on.
Posted on 4/21/25 at 1:25 pm to Dallaswho
quote:
Nobody has insurance with a deductible that low.
There is no deductible on a liability claim.
Posted on 4/21/25 at 1:26 pm to Dallaswho
quote:
Nobody has insurance with a deductible that low.
This is liability, baw.
Posted on 4/21/25 at 1:30 pm to RickAstley
quote:
A neighbor's kid, maybe 6 or 7 years old, ran into my garage on their bike and has caused around $1,000 in damage while we were not home.
What did they run into? The garage door, the wall, what was it? I'm assuming the door since it's $1,000 in damage.
I'd explain to the neighbor that you'll report it to your homeowners insurance company and let them handle it. That way, when they inevitably come after your neighbor through subrogation, you're not the bad guy. Give them another chance to pay and if they don't, tell them you'll have no choice but to let your insurance company handle it.
This post was edited on 4/21/25 at 1:31 pm
Posted on 4/21/25 at 1:31 pm to RickAstley
If you can afford to fix it yourself, ask your neighbor what they want to do to make it right and you whole.
Put the ball in their court, be prepared to pay the $1,000 yourself. It’s your neighbor, and not that much money to fight over.
Put the ball in their court, be prepared to pay the $1,000 yourself. It’s your neighbor, and not that much money to fight over.
Posted on 4/21/25 at 1:32 pm to Sir Saint
quote:
I wouldn't threaten legal until last resort. I'd wonder if it's going to be worth it for $1000
Definitely not planning to go this route. I'm leaning towards getting one more quote. The original quote was from someone that I trust, and it didn't seem outlandish given the damages.
Posted on 4/21/25 at 1:34 pm to Cypressknee
quote:
Get some more quotes. Wife had hit ours a couple years ago and we had to replace the whole bottom panel/piece. It was around $600.
I've got to replace at least three sections of the door. Haven't factored in any additional costs around painting and what not, considering the older panels are going to be slightly faded from the sun compared to any new panels.
Posted on 4/21/25 at 1:35 pm to Tifway419
quote:
Put the ball in their court, be prepared to pay the $1,000 yourself. It’s your neighbor, and not that much money to fight over.
No way I'd make a $1,000 repair I'm not responsible for out of pocket and just call it a day. If my kid caused that much damage to someone else's house, I'm paying it every single time because that's the standard I have for myself, and I'm not about to just throw that out the window and swallow my pride because someone else is being a dick.
Odds are the OP and his neighbor will never be close friends because even if they end up making this right, they're to the point now where it's too awkward. The chances of any real relationship there are next to nothing now. If it were me, I'd get another estimate, give them the opportunity to pay for it, and if they don't, turn it over to my insurance company and let them handle the rest.
Posted on 4/21/25 at 1:40 pm to cgrand
quote:
just fix your house dude. Were you never a kid? shite happens. I can’t believe you are even entertaining making them pay for it
Dude I will end up fixing my house whether it's my money or theirs. If my kid goes to their house and damages their property, I'm going to pay the damages and punish the kid. There's nothing wrong for me to expect the same from my neighbors, much less others.
Posted on 4/21/25 at 1:42 pm to TDsngumbo
quote:
What did they run into? The garage door, the wall, what was it? I'm assuming the door since it's $1,000 in damage.
Door. Need to replace over half the panels on it.
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