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Studio117
Original Poster
2,364 posts
60 months
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Further to my previous thread about a small incident. After long deliberation a 50/50 was argued. Case closed or so I thought. I have been recently informed some 7 months  later that the 3rd party has provided in consistent evidence on more than one occasion, basically been a lying nob. Its looking like a non fault claim. Now where's my neck brace?  I refuse to use the approved repairer as I know they are a bunch of cost cutting cowboy nobsacs. After all that guff.. Do I need to get multiple quotes or can I just stick in my chosen garage? The repair is going to cost over half the value of the car. Is this uneconomical ro repair and possible right off? IE cars worth 2k repair 1.2k The damage is very minor, but will need a brand new door and painting according to 2 different garages. Ta
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LoonR1
12,433 posts
46 months
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The two are totally disconnected. Fault / non fault / split fault does not dictate whether you can pick and choose a repairer, that'll depend on the terms of your insurance contract. Btw, BMW, Audi, Mercedes and other lesser marques all have the majority of their dealer network on our Approved Repairer list. Are they all cost cutting nobbers too?
Also, why is it that a dealer is aka a "stealer" when it comes to servicing and always better to go to an independent, yet when it comes to repairs then an independent is the anti-Christ and the Dealer the epitome of all things saintly?
60% is normally the threshold for write offs, but that figure includes parts, labou and all miscellaneous aspects.
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Studio117
Original Poster
2,364 posts
60 months
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The specific approved repairer I'm talking about are used by many insurance companies are bunch of cowboys. I have seen their shoddy unsatisfactory work in the past. My car isn't worth much but those urchins won't get their hands on it.
The 3rd parties ins co just told me that I can use my garage of choice, but will lose hire car etc etc.
I'm worried about it being written off more really. I've spent lots of money on replacing worn parts, servicing etc and would probably have to do it all again if i got a payout. Maybe buying it back is an option?
ETA:
Is the usual procedure to give you a low ball offer? If you provide evidence of cars that are a similar age/mileage/condition which are above their initial offer, do they negotiate fairly?
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catman
838 posts
44 months
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My experience is that they low-ball you, whatever you do. Although my car wasn't worth much and I provided reams of service history and ads for inferior cars costing more than I wanted, their initial offer was for half of the final offer.
Tim
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LoonR1
12,433 posts
46 months
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Studio117 said: The specific approved repairer I'm talking about are used by many insurance companies are bunch of cowboys. I have seen their shoddy unsatisfactory work in the past. My car isn't worth much but those urchins won't get their hands on it. Of course they are. most insurers make sure that they repair all aars in a substandard way to ensure lots of complaints and rework. Studio117 said: The 3rd parties ins co just told me that I can use my garage of choice, but will lose hire car etc etc. Fine then decide which is more important to you. Studio117 said: I'm worried about it being written off more really. I've spent lots of money on replacing worn parts, servicing etc and would probably have to do it all again if i got a payout. Maybe buying it back is an option? It will be written off if it's uneconomical to repair. You can;t argue this, despite what some will have you believe on here. Buying back may be an option dependant on the catgorisation at write off. Cat C & D can be repaired and used again, Cat A & B can't. Remember that a written off car will be worth less tha a similar car that hasn't been written off on resale. Studio117 said: ETA:
Is the usual procedure to give you a low ball offer? If you provide evidence of cars that are a similar age/mileage/condition which are above their initial offer, do they negotiate fairly? Again, despite the myths they don't always do this. Adverts etc, are not particluarly convincing according to the Financial Ombudsman Service. http://www.financial-ombudsman.org.uk/publications...
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Studio117
Original Poster
2,364 posts
60 months
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Thanks guys.
I've seen the work done by the approved repairers in question more than once and wasn't very happy. My father actually got his vehicle sent to another paint shop in the end because of the shoddy workmanship and the hassle of it all.
Obviously many approved repairers do top quality work. I'm not tarring them all with the same brush.
The place I want to get it done has been personally recommended so I've got no worries re quality etc.
The damage is only minor and only noticeable up close. Its only a creased door, sill and scuffed door strip!
Car is only worth 2k so cat d won't matter as I plan to keep it and give it to the mrs when she passes.
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LoonR1
12,433 posts
46 months
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Studio117 said: Thanks guys.
I've seen the work done by the approved repairers in question more than once and wasn't very happy. My father actually got his vehicle sent to another paint shop in the end because of the shoddy workmanship and the hassle of it all.
Obviously many approved repairers do top quality work. I'm not tarring them all with the same brush.
The place I want to get it done has been personally recommended so I've got no worries re quality etc.
The damage is only minor and only noticeable up close. Its only a creased door, sill and scuffed door strip!
Car is only worth 2k so cat d won't matter as I plan to keep it and give it to the mrs when she passes. If that's the damage, then the damage will be repairable and not involve replacing them.
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Studio117
Original Poster
2,364 posts
60 months
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Even despite 2 different paint shops saying that a new door + paint is required?
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LoonR1
12,433 posts
46 months
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Studio117 said: Even despite 2 different paint shops saying that a new door + paint is required? If it's only a crease then yes, but I'm no panel beater, so I'll defer to their knowledge.
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Studio117
Original Poster
2,364 posts
60 months
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Thanks Loon. The whole mess seems a bit costly, i only want my door fixed. Someone I spoke to said they would triple the cost as soon as insurance is mentioned. 
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LoonR1
12,433 posts
46 months
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Studio117 said: Thanks Loon. The whole mess seems a bit costly, i only want my door fixed. Someone I spoke to said they would triple the cost as soon as insurance is mentioned. No probs. The days of price exaggeration when it's insurance a re long gone. in fact many prefer not to deal, as they know how muh we check. Audatex and the like have all but eradicated this sharp practice of old.
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Studio117
Original Poster
2,364 posts
60 months
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Literally the local garage said "if you came to me privately I would charge £350 as your going through insurance £1000+ would be my quote". 
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daz3210
5,000 posts
109 months
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Well a local independent told us only a week or two ago that to us the rate is £35 per hour, but if insurance or accident management co are involved they charge £65 per hour because they know they can get that higher rate from them, whereas regular customers would barter anyway.
BMW, when I had my car bumped by my father (several years ago)said a new wing was needed at £x. Dad said he would pay for a repair but not a new wing. How can you argue with your father without risking a family fallout? Wing was fixed at significantly less than a new wing cost. Argument was that the filled area may show. It didn't tbh.
How would you stand if in the OP's case, if third party insurer are to be the ones who pay, if you authorised repairs yourself, then dealt with the matter yourself to recover costs from third party? As I see it, it matters not who you use, you deal with it yourself (OP has already said he can get it done for £350), get a bill, get a bill for hire car etc, then submit all the lot as a claim directly to third party. The only bit I would not be sure of is, do you have to get third party approval for repair bill first?
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rotarymazda
136 posts
34 months
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LoonR1 said: Buying back may be an option dependant on the catgorisation at write off. Cat C & D can be repaired and used again, Cat A & B can't. I've recently called the DVLA, VOSA, Financial Ombudsman Service and even the Environment Agency regarding the End of Life Vehicle (ELV) Directives and they all say that a cat A/B car can be returned to the road. You need a VIC check, new V5C, new MOT, road tax and insurance. Your insurer will not tell you this since their code of practice recommends scrapping of cat A's and break/scrap cat B's. The Financial Ombudsman Service can override them.
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LoonR1
12,433 posts
46 months
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rotarymazda said: I've recently called the DVLA, VOSA, Financial Ombudsman Service and even the Environment Agency regarding the End of Life Vehicle (ELV) Directives and they all say that a cat A/B car can be returned to the road.
You need a VIC check, new V5C, new MOT, road tax and insurance.
Your insurer will not tell you this since their code of practice recommends scrapping of cat A's and break/scrap cat B's. The Financial Ombudsman Service can override them. Good luck outing a cat A back on the road there'll be nothin left of it to repair. Cat Bs you'll do well to sell.
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LoonR1
12,433 posts
46 months
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daz3210 said: Well a local independent told us only a week or two ago that to us the rate is £35 per hour, but if insurance or accident management co are involved they charge £65 per hour because they know they can get that higher rate from them, whereas regular customers would barter anyway.
BMW, when I had my car bumped by my father (several years ago)said a new wing was needed at £x. Dad said he would pay for a repair but not a new wing. How can you argue with your father without risking a family fallout? Wing was fixed at significantly less than a new wing cost. Argument was that the filled area may show. It didn't tbh.
How would you stand if in the OP's case, if third party insurer are to be the ones who pay, if you authorised repairs yourself, then dealt with the matter yourself to recover costs from third party? As I see it, it matters not who you use, you deal with it yourself (OP has already said he can get it done for £350), get a bill, get a bill for hire car etc, then submit all the lot as a claim directly to third party. The only bit I would not be sure of is, do you have to get third party approval for repair bill first? He can charge what he likes. What we pay will be a whole different ball game.
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HustleRussell
4,114 posts
29 months
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Studio117- if you don't care about what the car looks like, why not take 'cash in liu' of repair?
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Studio117
Original Poster
2,364 posts
60 months
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HustleRussell said: Studio117- if you don't care about what the car looks like, why not take 'cash in liu' of repair? I would prefer to get it repaired. I'm sure getting quotes and then pocketing the cheque sent is a tad naughty?
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HustleRussell
4,114 posts
29 months
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Not as far as I know- they are obliged to compensate you for the damage, it makes no difference to them if they give £**** to the bodyshop repairer or to you (although insurance companies are crooked and don't pass on discounts to 3rd party insurance companies, so they're probably less inclined to do it than they used to be. This is one of the many ways the lovely insurance companies are shafting each other to extort more money from 3rd party fault claims).
Take cash in liu for the value of the damage and then spend a portion of that tidying it up a bit?
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djt100
942 posts
54 months
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Studio117 said: HustleRussell said: Studio117- if you don't care about what the car looks like, why not take 'cash in liu' of repair? I would prefer to get it repaired. I'm sure getting quotes and then pocketing the cheque sent is a tad naughty? Do this if you can, I had a light tap on the front of my S-type, Approved repairer said it would be a right off (bonnet dented and broken headlight, grill) but asked if I wanted to keep the car, I said yes, repairer then recommended a cash in lieu settlement, ( car was worth approx £2k). Insurance paid out £1700 less my £300 excess, I got to keep the car and not recoded on HPI. Car was repaired with a used bonnet from a jag breakers in the right colour(better than getting paint as will never match) and a used headlight and grill, total cost all in £170 plus about 1/2 day of mine and my old mans time. Car now sold
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