Gt4 rear ended , repair/self/ accident management co.
Discussion
My wife's brand new 120D was hit last August when I was coming back from walking the dog and it was about a 10mph shunt so very similar to yours, glad you're ok and we were much the same.
The entire process was handled by a BMW recommended agent who took the car away the next day and at the same time gave her a brand new X1 (only because a 1 series wasn't available)p, it was a like for like deal). We didn't then lift a finger until her car was delivered back to us 4 weeks later. The BMW garage did a pretty poor job of fixing it but that's a different story, however it was all good in the end.
The cost to us, nothing.
The cost of repair of a 10mph rear shunt....... amazingly £4500 plus VAT. The rear floor was bent and along with a new number and rear tailgate, lights etc. costs soon increased.
Would I use an accident management company again, personally yes I would.
I understand the other party's insurers weren't impressed as the cost increased due the loan car we had for four weeks and the fact we insisted on a BMW dealer fixing the car. As it happens this was only what Mrs. HoHoHo was entitled to and if their driver had been more aware of the traffic, the car wouldn't need repairing and my dog wouldn't have s
t his bed in the boot 10 seconds after the car was hit (little fella literally st himself 
)
Good luck either way and hope it's all resolved quickly.
The entire process was handled by a BMW recommended agent who took the car away the next day and at the same time gave her a brand new X1 (only because a 1 series wasn't available)p, it was a like for like deal). We didn't then lift a finger until her car was delivered back to us 4 weeks later. The BMW garage did a pretty poor job of fixing it but that's a different story, however it was all good in the end.
The cost to us, nothing.
The cost of repair of a 10mph rear shunt....... amazingly £4500 plus VAT. The rear floor was bent and along with a new number and rear tailgate, lights etc. costs soon increased.
Would I use an accident management company again, personally yes I would.
I understand the other party's insurers weren't impressed as the cost increased due the loan car we had for four weeks and the fact we insisted on a BMW dealer fixing the car. As it happens this was only what Mrs. HoHoHo was entitled to and if their driver had been more aware of the traffic, the car wouldn't need repairing and my dog wouldn't have s
t his bed in the boot 10 seconds after the car was hit (little fella literally st himself )Good luck either way and hope it's all resolved quickly.
Porsche911R said:
BlackGT3 said:
+ 1.
You may also be bound by the T&C's of your policy to notify your insurer. Does your policy allow you to use a bodyshop of your choosing?
Avoid the Accident management companies and Ambulance chasing solicitors that are based miles from you. If you need legal representation, go to a local solicitor from a quality practice who you can meet face to face.
the issue is every insurance has their own Accident management companies they deal with for a no fault claim, hence why I said claim direct off the 3rd party.You may also be bound by the T&C's of your policy to notify your insurer. Does your policy allow you to use a bodyshop of your choosing?
Avoid the Accident management companies and Ambulance chasing solicitors that are based miles from you. If you need legal representation, go to a local solicitor from a quality practice who you can meet face to face.
He does not want to claim off his hence no need to worry about what's in his policy about which body shop etc.
I recently had a non fault claim and I am bound the the terms of my policy which stipulates that I had to use their named bodyshop or pay an excess to use a different bodyshop of my choosing. Fortunately, I have a different policy for my Porker which allows me to use a bodyshop of my choice.
Am I being thick here and missing something?
REPORT IT TO YOUR INSURER!
You are obligated to do so within the terms and conditions within a time frame too!
ANYTHING that needs to be done is the third party insurers problem. Don't deal with them either - thats what you pay insurance for!
Also.... your injuries will be worth something too! Physical and mental.....
If I get rear ended Im diving out the car and rolling up the carriageway ;-)
REPORT IT TO YOUR INSURER!
You are obligated to do so within the terms and conditions within a time frame too!
ANYTHING that needs to be done is the third party insurers problem. Don't deal with them either - thats what you pay insurance for!
Also.... your injuries will be worth something too! Physical and mental.....
If I get rear ended Im diving out the car and rolling up the carriageway ;-)
this is the killer quote
"it may be advisable if he wants a like for like hire car and can still pursue an injury claim "
that's what screws EVERY one over, if you want all that then yes a small £1k claim can be a £15k one, so go to a claims management company.
If you just want to be fair, and want your car back, go direct.
every one seems to want a like for like car and make a wiplash claim !!!
"it may be advisable if he wants a like for like hire car and can still pursue an injury claim "
that's what screws EVERY one over, if you want all that then yes a small £1k claim can be a £15k one, so go to a claims management company.
If you just want to be fair, and want your car back, go direct.
every one seems to want a like for like car and make a wiplash claim !!!
Thanks for replies.
Bit of an update, I spoke with the accident management company who were very interested in helping me up to the point where I explained I did not want to take a brand new top of the range 4 series as a courtesy car, If they had offered me something better than the Gt4 tbh I would maybe have had an interest , however once I refused the car they lost all interest in helping me so I think as suggested they are only out to supply hire cars at inflated rates .
So rather than go through my own insurance I have contacted the drivers insurance again , who had still heard nothing, I then contacted the firm who the guy worked for, they were very helpful and within an hour had returned the claim form to the insurers and he has admitted liability and said I can proceed , they have told me to get a quote at my preferred bodyshop and they will authorise the repair . So the car will be going into Porsche today to get assessed .
Not wanting to sound like a claim chaser but through no fault of my own I am ending up with a car that is going to be repaired and have to have the bumper painted and paintwork is my pet hate, I spent a lot of money to avoid this ever happening getting PPF fitted to the car so it would never have to get stone chips painted , the car is CWM and I have read it is a pig to match the colour ,So Is it possible to claim any compensation for this? I may end up parting with the car depending on how I feel once I get the car back which is not at all what I planned .
Also so far I have lost 2 days at work and today will likely be running around getting the car dropped off at Porsche which is half a day time i get there and back , I spent 8 hours in A&E waiting around to be checked out ( my passenger has 8 hours strapped to a spinal board as had recent Spinal surgery to the upper part of the neck and was/still is in a lot of pain so had to get that X-ray"d in case anything had moved ) the Dr advised both of us are fine and it will just be soft tissue damage which should clear in the next week or so, I must say top of my neck into my shoulders this morning is extremely sore making sitting at a desk working pretty much unbearable , I understand that you can claim whiplash is straight forward to claim but Its an unknown if either of us have any future issues especially with my passenger and previous surgery history and if anything in the future relates to the accident.
In all , not what I had planned for this week.
Bit of an update, I spoke with the accident management company who were very interested in helping me up to the point where I explained I did not want to take a brand new top of the range 4 series as a courtesy car, If they had offered me something better than the Gt4 tbh I would maybe have had an interest , however once I refused the car they lost all interest in helping me so I think as suggested they are only out to supply hire cars at inflated rates .
So rather than go through my own insurance I have contacted the drivers insurance again , who had still heard nothing, I then contacted the firm who the guy worked for, they were very helpful and within an hour had returned the claim form to the insurers and he has admitted liability and said I can proceed , they have told me to get a quote at my preferred bodyshop and they will authorise the repair . So the car will be going into Porsche today to get assessed .
Not wanting to sound like a claim chaser but through no fault of my own I am ending up with a car that is going to be repaired and have to have the bumper painted and paintwork is my pet hate, I spent a lot of money to avoid this ever happening getting PPF fitted to the car so it would never have to get stone chips painted , the car is CWM and I have read it is a pig to match the colour ,So Is it possible to claim any compensation for this? I may end up parting with the car depending on how I feel once I get the car back which is not at all what I planned .
Also so far I have lost 2 days at work and today will likely be running around getting the car dropped off at Porsche which is half a day time i get there and back , I spent 8 hours in A&E waiting around to be checked out ( my passenger has 8 hours strapped to a spinal board as had recent Spinal surgery to the upper part of the neck and was/still is in a lot of pain so had to get that X-ray"d in case anything had moved ) the Dr advised both of us are fine and it will just be soft tissue damage which should clear in the next week or so, I must say top of my neck into my shoulders this morning is extremely sore making sitting at a desk working pretty much unbearable , I understand that you can claim whiplash is straight forward to claim but Its an unknown if either of us have any future issues especially with my passenger and previous surgery history and if anything in the future relates to the accident.
In all , not what I had planned for this week.
Edited by Mrscuk on Wednesday 25th May 08:40
Always a pitter, but as you have seen going via yours or via a claims company is just crap.
Going to theirs is the best way.
as for a diminished value claim, these are much harder to do, if it's just bumper and paint etc I doubt you will get one.
It's when you can tell the cars had damage like a new body panel where they fit body parts together etc etc..then yes much easier to get a claim though.
Just a new bumper and paint, I think no chance. Loads of GT4 have had paint due to bubbles on spoilers etc it was a known issue
I guess you will know more when you get it looked at.
AS you say the time is the main hassle :-(
on the plus side "the insurers and he has admitted liability " that is the result you were after and makes life easier.
Going to theirs is the best way.
as for a diminished value claim, these are much harder to do, if it's just bumper and paint etc I doubt you will get one.
It's when you can tell the cars had damage like a new body panel where they fit body parts together etc etc..then yes much easier to get a claim though.
Just a new bumper and paint, I think no chance. Loads of GT4 have had paint due to bubbles on spoilers etc it was a known issue
I guess you will know more when you get it looked at.
AS you say the time is the main hassle :-(
on the plus side "the insurers and he has admitted liability " that is the result you were after and makes life easier.
Edited by Porsche911R on Wednesday 25th May 08:55
Mrscuk said:
Thanks for replies.
Bit of an update, I spoke with the accident management company who were very interested in helping me up to the point where I explained I did not want to take a brand new top of the range 4 series as a courtesy car, If they had offered me something better than the Gt4 tbh I would maybe have had an interest , however once I refused the car they lost all interest in helping me so I think as suggested they are only out to supply hire cars at inflated rates .
So rather than go through my own insurance I have contacted the drivers insurance again , who had still heard nothing, I then contacted the firm who the guy worked for, they were very helpful and within an hour had returned the claim form to the insurers and he has admitted liability and said I can proceed , they have told me to get a quote at my preferred bodyshop and they will authorise the repair . So the car will be going into Porsche today to get assessed .
Not wanting to sound like a claim chaser but through no fault of my own I am ending up with a car that is going to be repaired and have to have the bumper painted and paintwork is my pet hate, I spent a lot of money to avoid this ever happening getting PPF fitted to the car so it would never have to get stone chips painted , the car is CWM and I have read it is a pig to match the colour ,So Is it possible to claim any compensation for this? I may end up parting with the car depending on how I feel once I get the car back which is not at all what I planned .
Also so far I have lost 2 days at work and today will likely be running around getting the car dropped off at Porsche which is half a day time i get there and back , I spent 8 hours in A&E waiting around to be checked out ( my passenger has 8 hours strapped to a spinal board as had recent Spinal surgery to the upper part of the neck and was/still is in a lot of pain so had to get that X-ray"d in case anything had moved ) the Dr advised both of us are fine and it will just be soft tissue damage which should clear in the next week or so, I must say top of my neck into my shoulders this morning is extremely sore making sitting at a desk working pretty much unbearable , I understand that you can claim whiplash is straight forward to claim but Its an unknown if either of us have any future issues especially with my passenger and previous surgery history and if anything in the future relates to the accident.
In all , not what I had planned for this week.
No offense but it certainly sounds like a bit of claim chaser. You certainly don't listen to advice.Bit of an update, I spoke with the accident management company who were very interested in helping me up to the point where I explained I did not want to take a brand new top of the range 4 series as a courtesy car, If they had offered me something better than the Gt4 tbh I would maybe have had an interest , however once I refused the car they lost all interest in helping me so I think as suggested they are only out to supply hire cars at inflated rates .
So rather than go through my own insurance I have contacted the drivers insurance again , who had still heard nothing, I then contacted the firm who the guy worked for, they were very helpful and within an hour had returned the claim form to the insurers and he has admitted liability and said I can proceed , they have told me to get a quote at my preferred bodyshop and they will authorise the repair . So the car will be going into Porsche today to get assessed .
Not wanting to sound like a claim chaser but through no fault of my own I am ending up with a car that is going to be repaired and have to have the bumper painted and paintwork is my pet hate, I spent a lot of money to avoid this ever happening getting PPF fitted to the car so it would never have to get stone chips painted , the car is CWM and I have read it is a pig to match the colour ,So Is it possible to claim any compensation for this? I may end up parting with the car depending on how I feel once I get the car back which is not at all what I planned .
Also so far I have lost 2 days at work and today will likely be running around getting the car dropped off at Porsche which is half a day time i get there and back , I spent 8 hours in A&E waiting around to be checked out ( my passenger has 8 hours strapped to a spinal board as had recent Spinal surgery to the upper part of the neck and was/still is in a lot of pain so had to get that X-ray"d in case anything had moved ) the Dr advised both of us are fine and it will just be soft tissue damage which should clear in the next week or so, I must say top of my neck into my shoulders this morning is extremely sore making sitting at a desk working pretty much unbearable , I understand that you can claim whiplash is straight forward to claim but Its an unknown if either of us have any future issues especially with my passenger and previous surgery history and if anything in the future relates to the accident.
In all , not what I had planned for this week.
Edited by Mrscuk on Wednesday 25th May 08:40
You will get no compensation for any difficulty in getting the colour match. Trust the bodyshop to do a decent job. I'm sure they will be fine if it's an authorised Porsche Paint Center.
If you want to sell the car because of a damaged bumper, that makes absolutely no sense to me . If the car was smashed up more severely, and had a creased rear 3/4 panel which needed repairing, then I could see why - but for a bumper, which by your own admission, has not appeared to damage anything else on the car, seems a bit of an over-reaction
With regards to your whiplash, I was once in a Vauxhall Corsa (passenger I might add, I wouldn't drive one..!!) and we got rear ended by some silly bint mid way around a small roundabout. We were doing about 20-30 and she was doing at least 60.
https://www.google.co.uk/maps/@51.3586643,-0.97103...
We were basically where the white van is, heading from Basingstoke to Reading on the A33. This woman had been tailgating us pretty badly so we sped up about 1000yards before the roundabout only for her to ram us when we slowed down - and we ended up facing the wrong direction 50ft up the road. Her car ended up stuck down a ditch in a tree. Over £9000 of damage to my friends Corsa VXR.
I had whiplash despite doing loads of neck exercises that night before the pain started to try and free the muscles. I went to my GP on the Day 2 (if Day 0 was accident) due to the pain. (obviously knowing what it was).
The pain was bad but that wasn't the issue, for me the medication provided completely zonked me out causing me nausea and drowsiness, and I ended up having to leave my car at work and get my Mum to give me a lift back to my house.
Obviously touch wood no serious injuries for you, or your passenger, but I seem to have completely recovered, but I could not think why you would need 8 hours in A+E for a smaller accident in a safer, heavier car, unless you are trying to push for a large claim, or there is severe back issues in that persons past (obviously I do not know I am just thinking out loud!)
Of course we are hoping for good recoveries all around.
For what it's worth, I had 2 days off work, however I was fully paid for these 2 days by my employer, I also had a 40 mile (20+20) mile drive to a private doctor for "insurance approved" inspection. in addition I would find driving at night (when our accident happened) traumatising and headlights in my mirrors would cause me to panic in some situations. (these symptoms have now passed).
I received just under £2k.
I have always joked "oh, yeah I hope I get ran into the back of, get a bit of whiplash and claim a bit of money, it'll be alright mate init!" as an "easy" way of getting a bit of extra cash but the whole situation, the accident, the post-accident mental issues and the physical discomfort (more by way of the medication than the actual pain) is not worth any amount of money in my book.
Also please report the accident to your insurers.
Porsche911R said:
this is the killer quote
"it may be advisable if he wants a like for like hire car and can still pursue an injury claim "
that's what screws EVERY one over, if you want all that then yes a small £1k claim can be a £15k one, so go to a claims management company.
If you just want to be fair, and want your car back, go direct.
every one seems to want a like for like car and make a wiplash claim !!!
I am with Porsche911R. I was hit by an old biddy. I went to BMW and was given number for Accident Management or whatever they were called. Scammers who gave me an Gran Turismo and then wanted to know why I had handed it back in early. I felt sorry for the third party and would never use such a bunch of ambulance chasers. Phone conversations along the lines of this: "Are you sure you were not injured".... "Maybe something will develop in the furture"..... - Err no I do not think it will."it may be advisable if he wants a like for like hire car and can still pursue an injury claim "
that's what screws EVERY one over, if you want all that then yes a small £1k claim can be a £15k one, so go to a claims management company.
If you just want to be fair, and want your car back, go direct.
every one seems to want a like for like car and make a wiplash claim !!!
Still getting flashbacks now............
If the third party has admitted liability dealing direct is not a drama at all. Been there done that, got the mental scars (not).
I fell off my pushbike once and got terrible gravel rash. I still get flashbacks and now always just try and cycle in a straight line.
Some people.
Pip
xjay1337 said:
No offense but it certainly sounds like a bit of claim chaser. You certainly don't listen to advice.
You will get no compensation for any difficulty in getting the colour match. Trust the bodyshop to do a decent job. I'm sure they will be fine if it's an authorised Porsche Paint Center.
If you want to sell the car because of a damaged bumper, that makes absolutely no sense to me . If the car was smashed up more severely, and had a creased rear 3/4 panel which needed repairing, then I could see why - but for a bumper, which by your own admission, has not appeared to damage anything else on the car, seems a bit of an over-reaction
With regards to your whiplash, I was once in a Vauxhall Corsa (passenger I might add, I wouldn't drive one..!!) and we got rear ended by some silly bint mid way around a small roundabout. We were doing about 20-30 and she was doing at least 60.
https://www.google.co.uk/maps/@51.3586643,-0.97103...
We were basically where the white van is, heading from Basingstoke to Reading on the A33. This woman had been tailgating us pretty badly so we sped up about 1000yards before the roundabout only for her to ram us when we slowed down - and we ended up facing the wrong direction 50ft up the road. Her car ended up stuck down a ditch in a tree. Over £9000 of damage to my friends Corsa VXR.
I had whiplash despite doing loads of neck exercises that night before the pain started to try and free the muscles. I went to my GP on the Day 2 (if Day 0 was accident) due to the pain. (obviously knowing what it was).
The pain was bad but that wasn't the issue, for me the medication provided completely zonked me out causing me nausea and drowsiness, and I ended up having to leave my car at work and get my Mum to give me a lift back to my house.
Obviously touch wood no serious injuries for you, or your passenger, but I seem to have completely recovered, but I could not think why you would need 8 hours in A+E for a smaller accident in a safer, heavier car, unless you are trying to push for a large claim, or there is severe back issues in that persons past (obviously I do not know I am just thinking out loud!)
Of course we are hoping for good recoveries all around.
For what it's worth, I had 2 days off work, however I was fully paid for these 2 days by my employer, I also had a 40 mile (20+20) mile drive to a private doctor for "insurance approved" inspection. in addition I would find driving at night (when our accident happened) traumatising and headlights in my mirrors would cause me to panic in some situations. (these symptoms have now passed).
I received just under £2k.
I have always joked "oh, yeah I hope I get ran into the back of, get a bit of whiplash and claim a bit of money, it'll be alright mate init!" as an "easy" way of getting a bit of extra cash but the whole situation, the accident, the post-accident mental issues and the physical discomfort (more by way of the medication than the actual pain) is not worth any amount of money in my book.
Also please report the accident to your insurers.
Sorry you have no idea who I am or know anything about me and I do take offence at that so please just crawl back under your rock and do me the courtesy of not responding to anything on this thread , its people like yourself that stop people like me responding to threads on Ph. You will get no compensation for any difficulty in getting the colour match. Trust the bodyshop to do a decent job. I'm sure they will be fine if it's an authorised Porsche Paint Center.
If you want to sell the car because of a damaged bumper, that makes absolutely no sense to me . If the car was smashed up more severely, and had a creased rear 3/4 panel which needed repairing, then I could see why - but for a bumper, which by your own admission, has not appeared to damage anything else on the car, seems a bit of an over-reaction
With regards to your whiplash, I was once in a Vauxhall Corsa (passenger I might add, I wouldn't drive one..!!) and we got rear ended by some silly bint mid way around a small roundabout. We were doing about 20-30 and she was doing at least 60.
https://www.google.co.uk/maps/@51.3586643,-0.97103...
We were basically where the white van is, heading from Basingstoke to Reading on the A33. This woman had been tailgating us pretty badly so we sped up about 1000yards before the roundabout only for her to ram us when we slowed down - and we ended up facing the wrong direction 50ft up the road. Her car ended up stuck down a ditch in a tree. Over £9000 of damage to my friends Corsa VXR.
I had whiplash despite doing loads of neck exercises that night before the pain started to try and free the muscles. I went to my GP on the Day 2 (if Day 0 was accident) due to the pain. (obviously knowing what it was).
The pain was bad but that wasn't the issue, for me the medication provided completely zonked me out causing me nausea and drowsiness, and I ended up having to leave my car at work and get my Mum to give me a lift back to my house.
Obviously touch wood no serious injuries for you, or your passenger, but I seem to have completely recovered, but I could not think why you would need 8 hours in A+E for a smaller accident in a safer, heavier car, unless you are trying to push for a large claim, or there is severe back issues in that persons past (obviously I do not know I am just thinking out loud!)
Of course we are hoping for good recoveries all around.
For what it's worth, I had 2 days off work, however I was fully paid for these 2 days by my employer, I also had a 40 mile (20+20) mile drive to a private doctor for "insurance approved" inspection. in addition I would find driving at night (when our accident happened) traumatising and headlights in my mirrors would cause me to panic in some situations. (these symptoms have now passed).
I received just under £2k.
I have always joked "oh, yeah I hope I get ran into the back of, get a bit of whiplash and claim a bit of money, it'll be alright mate init!" as an "easy" way of getting a bit of extra cash but the whole situation, the accident, the post-accident mental issues and the physical discomfort (more by way of the medication than the actual pain) is not worth any amount of money in my book.
Also please report the accident to your insurers.
I will do you the justice of an explanation . The reason why we ended up 8 hours in Hospital was due to waiting over 4 hours for an Ambulance to take my poor passenger to another hospital so could have an xray carried out as the hospital we went to did not do neck X-rays , My passenger who was beside herself and in a lot of pain and with good reason after just recovering from over 2 years of Spinal injuries and major operations all just over 3 months ago from getting the all clear to be suddenly back to square one screaming in pain. it was midnight when we got home from 3 in the afternoon, the NHS is so short staffed it is beyond a joke and having her strapped to a spinal board for so long certainly has not done any favours.
Why would I want to sell a car that I have had an accident in ? given the choice I would never have bought a car that had been previously damaged or even painted for that matter, Now I do not have that luxury, I have never had a new car in my life, always scrimped and saved and done without , its far and beyond more money than I have ever spent other than properties and this was not a purchase that I made easily and this has just taken the edge off it, It is going to a Porsche approved Bodyshop and I have made it quite clear that I want the car back to the condition it was 4 days ago, I am sure that I feel different once I am back driving again.
just to add had I done the damage myself I would have a very different take on things .
Struck a nerve?
You asked what compensation you may be entitled to because "you don't want your car painted" after saying you don't want to come across as a claim chaser. Which makes you come across as an ambulance chaser.
You originally asked
"I've had an accident, should I deal with an accident management company".
General consensus was no.
and the other point was that you had not alerted your insurers, but you had gone directly to the third party.
The general advice to this was to "Tell your insurers."
You decided to heed none of the advice given, meaning you may as well have not posted up to begin with.
You asked what compensation you may be entitled to because "you don't want your car painted" after saying you don't want to come across as a claim chaser. Which makes you come across as an ambulance chaser.
You originally asked
"I've had an accident, should I deal with an accident management company".
General consensus was no.
and the other point was that you had not alerted your insurers, but you had gone directly to the third party.
The general advice to this was to "Tell your insurers."
You decided to heed none of the advice given, meaning you may as well have not posted up to begin with.
xjay1337 said:
Struck a nerve?
nope just had enough of idiots this week.From experience arguing with them only fetches you down to their level , having to deal with the one texting /tweeting facetubing or whatever and driving and slamming into the back of me is enough for one week.
as you seem to ignore my request for you to not comment here are the facts .
The Porsche Bodyshop had the management company contact me ,I did not contact them , since then I have had 3 others contact me, I suspect this will continue, I wont be using any management company, the only interest they have is getting you a car that much has become pretty clear they are not going to speed up the process of my repair.
I have informed my insurers that I have been involved in an accident, I never said that I had not , a wrong assumption by yourself .
I have chased up the other guys employers to speed things along as their insurance company were waiting on his version of events and admission of guilt ,I spoke with the MD and he could not be more apologetic and has gone the extra mile to push things through even chasing up the insurance company himself and sending me all the details / claim numbers and direct number of the girll dealing with it, the result is my car has been collected and is currently getting assessed at the bodyshop and the drivers insurer are on standby to authorise the repair and will pick up the bill, there is no need for my insurance to foot the bill.
I have declined a courtesy car, I do not need one.
management companies , Like anything in life everyone are out for a piece of someone else and to extort as much money as possible so I concluded if you want something doing just do it yourself.
oh and I have read the advice given, I would not have asked otherwise and I genuinely appreciate the fact people take time to respond and even respond to me via personal messages giving me advice, this is the best of PH , no one knows me but go out their way to be helpful.
The worst of Ph which I see all the time (long time lurker) and from your earlier response I see you in this light just seem to want to see the worst in people and get argumentative, as I said you really know nothing about me but I would like to offer a little bit of advice I was given many years ago , if you have nothing nice or constructive to say its often better to say nothing.
as before, please move on your contribution is not welcomed by me.
My sympathies to you and your passenger. I was rear ended in my snotter (as passenger) over 18 months ago now in a low speed collision, and still have whiplash related pain and injury and am still doing physio, taking painkillers and a cocktail of other (prescribed) drugs. I don't blame you for waiting in A&E for ages to get checked out and I wouldn't be surprised if you felt sore for a while, even if you feel ok now. Ignore the ambulance chaser comments. Whiplash can bloody hurt! Sorry the inattention of another driver has taken the edge of your purchase too.
If it makes you feel better, my CGTS was rear ended by a cyclist outside my house on the day I picked it up from the dealer. I hadn't even got out of it for the first time yet! Car's can be fixed! I had the rear deck, spoiler and bumper resprayed and nobody has ever noticed. Porsche approved bodyshops are great, but if it's M&A coachworks in highgate, maybe ask them not to wash it too thoroughly afterwards! The swirl marks cost me £650 to detail out...
If it makes you feel better, my CGTS was rear ended by a cyclist outside my house on the day I picked it up from the dealer. I hadn't even got out of it for the first time yet! Car's can be fixed! I had the rear deck, spoiler and bumper resprayed and nobody has ever noticed. Porsche approved bodyshops are great, but if it's M&A coachworks in highgate, maybe ask them not to wash it too thoroughly afterwards! The swirl marks cost me £650 to detail out...
I chased up the other parties insurance today and managed to get them to get the repair authorised within 30 mins of them getting the estimate so all parts have been ordered and looking to get the car back in just over a week .
I also see now why the Insurance company want to be informed if you have an accident, despite me taking it to Porsche they still gave me the hard sale on using their repairer , they also tried hard to convince me that I should have a like for like Courtesy car , either a Cayman or Mercedes E class from Enterprise which I guess they get an introduction fee from and advised me to uses their appointed legal team to for claiming personal injuries, I explained that I was only reporting the accident to comply with the terms of my insurance and I didn't actually need their help but they have still logged the claim and appointed their engineer I have had their approved repairer on the phone wanting to collect the car . I can only assume that all insurers want to shaft each other so it is just a case of money getting passed around.
They did say as I wasn't liable the accident would have no impact on next years premium but only time will tell on that one.
I also see now why the Insurance company want to be informed if you have an accident, despite me taking it to Porsche they still gave me the hard sale on using their repairer , they also tried hard to convince me that I should have a like for like Courtesy car , either a Cayman or Mercedes E class from Enterprise which I guess they get an introduction fee from and advised me to uses their appointed legal team to for claiming personal injuries, I explained that I was only reporting the accident to comply with the terms of my insurance and I didn't actually need their help but they have still logged the claim and appointed their engineer I have had their approved repairer on the phone wanting to collect the car . I can only assume that all insurers want to shaft each other so it is just a case of money getting passed around.
They did say as I wasn't liable the accident would have no impact on next years premium but only time will tell on that one.
Jay is completely fair in his assessment OP (and he's absolute pain for anything paint/body related*).
If you don't want advice that may not be exactly to your liking then don't ask questions on an Internet forum.
I'm unsure of what you want compensation for? Provided the body shop provide you with a repaired car that looks perfect, I don't believe you should be entitled to anything.
*no offence mate!
If you don't want advice that may not be exactly to your liking then don't ask questions on an Internet forum.
I'm unsure of what you want compensation for? Provided the body shop provide you with a repaired car that looks perfect, I don't believe you should be entitled to anything.
*no offence mate!
Edited by MrBarry123 on Friday 27th May 22:09
I disagree on the first part but you are likely correct and I am due to no compensation but I would argue that isn't exactly fair
regarding your assessment of me , I have been on Ph since the start and registered to ask advice 5 years ago, I read the forums daily, unlike your pal the keyboard-king above I do not post a lot , so when I do it is for advice, on this occasion I asked for advice on what to do in a situation and everyone else on this thread did exactly that, then he jumps in and in the opening line has a go, calling me an ambulance chaser and saying I do not listen to advice, from there on I had no interest in anything else he had to say.
this has not been a good week for me at the start of this week I had never been happier coming back from a day out in an almost new immaculate car that I am very passionate about driving .
Then Bang some retard texting on his phone drives into me.
I now have a damaged car which has absolutely gutted me, yes as the poster above pointed out its " only " a damaged bumper but rightly or wrongly to me its more , maybe my circumstances are different to some on here but put yourself in my shoes and ask if you would you would feel the same after driving around in run of the mill cars all your life then you finally spend pretty much all of your life savings that you have worked bloody hard for over the last 40 years and treat yourself to car to enjoy as an early retirement present, then through no fault of your own have it damaged , I felt sick and have questioned all week if its actually worth having a car like this of this value, I was so cautious prior to the accident worrying about where I parked it , after the accident I could not even bring myself to look at it . Since the accident I have had thick end of a day in hospital , spent hours on the phone sorting things out, yes the insurance or accident management team could have done this but I wanted to ensure that I get the best repair possible , Should I be compensated for any of the above ? like has been said more than likely not . After speaking to the bodyshop I have no doubt that it will come back looking as new and I am sure once I am back behind the wheel it will reignite my passion for the car and I can get on enjoying the car .
regarding your assessment of me , I have been on Ph since the start and registered to ask advice 5 years ago, I read the forums daily, unlike your pal the keyboard-king above I do not post a lot , so when I do it is for advice, on this occasion I asked for advice on what to do in a situation and everyone else on this thread did exactly that, then he jumps in and in the opening line has a go, calling me an ambulance chaser and saying I do not listen to advice, from there on I had no interest in anything else he had to say.
this has not been a good week for me at the start of this week I had never been happier coming back from a day out in an almost new immaculate car that I am very passionate about driving .
Then Bang some retard texting on his phone drives into me.
I now have a damaged car which has absolutely gutted me, yes as the poster above pointed out its " only " a damaged bumper but rightly or wrongly to me its more , maybe my circumstances are different to some on here but put yourself in my shoes and ask if you would you would feel the same after driving around in run of the mill cars all your life then you finally spend pretty much all of your life savings that you have worked bloody hard for over the last 40 years and treat yourself to car to enjoy as an early retirement present, then through no fault of your own have it damaged , I felt sick and have questioned all week if its actually worth having a car like this of this value, I was so cautious prior to the accident worrying about where I parked it , after the accident I could not even bring myself to look at it . Since the accident I have had thick end of a day in hospital , spent hours on the phone sorting things out, yes the insurance or accident management team could have done this but I wanted to ensure that I get the best repair possible , Should I be compensated for any of the above ? like has been said more than likely not . After speaking to the bodyshop I have no doubt that it will come back looking as new and I am sure once I am back behind the wheel it will reignite my passion for the car and I can get on enjoying the car .
A similar thing happened to me, with a cement lorry using me as a bumper car before scooting off without stopping.
I got his number and to cut a long story short, everything was repaired ok, and eventually his company admitted full liability.
I got a a letter from my insurers, Axa, saying a full settlement had been received and my NCD would not be affected, and that I would not suffer financially as a result.
However, 2 weeks ago, when my renewal was sent to me, up from £207 to £395, almost double the premium with the same NCD. I went to Lva, and got it for £213 , and obviously told them of the accident . So it does appear that although the NCD stays the same, the premium is likely to go up.
Good luck
Steve WS
I got his number and to cut a long story short, everything was repaired ok, and eventually his company admitted full liability.
I got a a letter from my insurers, Axa, saying a full settlement had been received and my NCD would not be affected, and that I would not suffer financially as a result.
However, 2 weeks ago, when my renewal was sent to me, up from £207 to £395, almost double the premium with the same NCD. I went to Lva, and got it for £213 , and obviously told them of the accident . So it does appear that although the NCD stays the same, the premium is likely to go up.
Good luck
Steve WS
Mrscuk said:
I disagree on the first part but you are likely correct and I am due to no compensation but I would argue that isn't exactly fair
regarding your assessment of me , I have been on Ph since the start and registered to ask advice 5 years ago, I read the forums daily, unlike your pal the keyboard-king above I do not post a lot , so when I do it is for advice, on this occasion I asked for advice on what to do in a situation and everyone else on this thread did exactly that, then he jumps in and in the opening line has a go, calling me an ambulance chaser and saying I do not listen to advice, from there on I had no interest in anything else he had to say.
this has not been a good week for me at the start of this week I had never been happier coming back from a day out in an almost new immaculate car that I am very passionate about driving .
Then Bang some retard texting on his phone drives into me.
I now have a damaged car which has absolutely gutted me, yes as the poster above pointed out its " only " a damaged bumper but rightly or wrongly to me its more , maybe my circumstances are different to some on here but put yourself in my shoes and ask if you would you would feel the same after driving around in run of the mill cars all your life then you finally spend pretty much all of your life savings that you have worked bloody hard for over the last 40 years and treat yourself to car to enjoy as an early retirement present, then through no fault of your own have it damaged , I felt sick and have questioned all week if its actually worth having a car like this of this value, I was so cautious prior to the accident worrying about where I parked it , after the accident I could not even bring myself to look at it . Since the accident I have had thick end of a day in hospital , spent hours on the phone sorting things out, yes the insurance or accident management team could have done this but I wanted to ensure that I get the best repair possible , Should I be compensated for any of the above ? like has been said more than likely not . After speaking to the bodyshop I have no doubt that it will come back looking as new and I am sure once I am back behind the wheel it will reignite my passion for the car and I can get on enjoying the car .
I totally agree with you!regarding your assessment of me , I have been on Ph since the start and registered to ask advice 5 years ago, I read the forums daily, unlike your pal the keyboard-king above I do not post a lot , so when I do it is for advice, on this occasion I asked for advice on what to do in a situation and everyone else on this thread did exactly that, then he jumps in and in the opening line has a go, calling me an ambulance chaser and saying I do not listen to advice, from there on I had no interest in anything else he had to say.
this has not been a good week for me at the start of this week I had never been happier coming back from a day out in an almost new immaculate car that I am very passionate about driving .
Then Bang some retard texting on his phone drives into me.
I now have a damaged car which has absolutely gutted me, yes as the poster above pointed out its " only " a damaged bumper but rightly or wrongly to me its more , maybe my circumstances are different to some on here but put yourself in my shoes and ask if you would you would feel the same after driving around in run of the mill cars all your life then you finally spend pretty much all of your life savings that you have worked bloody hard for over the last 40 years and treat yourself to car to enjoy as an early retirement present, then through no fault of your own have it damaged , I felt sick and have questioned all week if its actually worth having a car like this of this value, I was so cautious prior to the accident worrying about where I parked it , after the accident I could not even bring myself to look at it . Since the accident I have had thick end of a day in hospital , spent hours on the phone sorting things out, yes the insurance or accident management team could have done this but I wanted to ensure that I get the best repair possible , Should I be compensated for any of the above ? like has been said more than likely not . After speaking to the bodyshop I have no doubt that it will come back looking as new and I am sure once I am back behind the wheel it will reignite my passion for the car and I can get on enjoying the car .
The point of insurance is to put you back in the position you were before the accident.
Well they can't give you back an un repaired car
They can't give you back the time you lost in hospital or arranging the repair
They can't give you back the time without your GT4
You have already let them off the hook for a hire car so the only way really to compensate you is with this dirty thing that ph'ers hate in case it puts 50p on next years premium is money!
Hope your car comes back to your full satisfaction!
BlackGT3 said:
He doesnt have to use the Accident Management Company recommended by the insurer however, it may be advisable if he wants a like for like hire car and can still pursue an injury claim via his own solicitor. `the OP does have to deal through his own insurer if the terms of his contract says so.
I recently had a non fault claim and I am bound the the terms of my policy which stipulates that I had to use their named bodyshop or pay an excess to use a different bodyshop of my choosing. Fortunately, I have a different policy for my Porker which allows me to use a bodyshop of my choice.
The excess would make no difference as you claim it back from the 3rd party if non fault.I recently had a non fault claim and I am bound the the terms of my policy which stipulates that I had to use their named bodyshop or pay an excess to use a different bodyshop of my choosing. Fortunately, I have a different policy for my Porker which allows me to use a bodyshop of my choice.
Two things a lot of people do not realise, firstly, your premium will go up after a non fault claim even with protected no claims, the premium is calculated before the ncb is applied, and even a non fault puts your premium up. Secondly, has anyone else noticed that the insurers are now asking if you have had any personal injury claims when you get a quote now, I dare say if the answer is yes, then your premium will be higher as they will see you as a higher risk, just like they do if you have had a non fault claim.
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