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So... to cut the long story short I have a lot going on at the minute in my personal life, with a new job, new houses (with loads of hidden problems, probably will open a separate thread for this), getting married in a couple of months and my partner was laid off on Xmas eve. With everything I have going on, a couple of days before Xmas 2017 a women hit into my parked car in a supermarket in late in the evening (Very Poor lighting). Lucky I was just walking back with my shopping when it happened or I think she would have drove off. At first glance the damaged didn't look too bad, but then with a bit more light I could see the damage. The women said she would prefer not to go through insurance, and would like to use a bodyshop she knows. I agreed but I said I would prefer to use my own bodyshop. I also told her not to worry about it over the Xmas period and I would be in touch after the New Year, as I felt sorry for her and still wanted her to enjoy Xmas and the New Year. I noticed my parking sensors stopped working too, as she damaged my N/S/R bumper. So on the first weekend in the New Year I got a quote for the work required, the garage told me to get a parking sensor and N/S/R bumper trim and they would take care of the rest. All in All it would cost £168.50 for Labour and Paint and BMW parts £135.35 = £303.85 I send her the quote for the work today and shes asked if I could go to Bodyshop that she knows. I refused, as I don't have the time to get another quote and I also don't want to use someone she knows. She has now said that she will be going through her insurance. I feel like a right Muppet, I was nice to her and she has just took advantage of kindness. My question is how does this effect me in the long term, will my yearly premiums now go up to because of this? Even though I am at no fault. My car also needs to go to the garage as people that changed my N/S/R wheel bearing seem to have done half job, as they told me they would also replace N/S/R brake caliper but they haven't. So I might not even have my car for the next few days.