How do insurers handle...
Discussion
...a claim on a car that isnt worth much in market value terms, so much so that a light crunch could easily write it off, yet you couldnt reasonably replace the car for the write off, or market value.
Mrs BG has had a crunch today in her 'woo. As she was turning right, a guy on a moped overtook her and smacked into her o's, damaging the drivers door and front wing (also possibly the cill and lower 'A' post, but it does look OK to me).
Now I reckon its going to need a door and a wing, plus paint and labour, probably around £600-£800 to fix.
BUT,
Mrs BG's Daewoo is a mint 96 P reg Nexia GLI 5dr auto with AC, it has only done 17,000 miles, it had only got a couple of thousand on it when we bought it at three years old. The car is worth about £300-£500, but how on earth would you replace it with something similar, its going to cost three or four times that (I am not suggesting her current car is worth that, but finding a mint low mileage 5dr auto with AC isnt going to be easy).
Mrs BG is very worried that they will write it off, and we wont be able to replace it for the money. Would we be able to accept the money, or less money and keep the car? although I understand it will then be flagged as a category whatever write off for the rest of its days, which doesnt bother us. I can put a door and a wing on it myself, its all bolt on.
Another problem which the PH massive might be able to advise on, the 17 year old that ran into her on his brand new bike, only has third party cover, and his mum has been on the phone to Mrs BG wanting her to admit liability other wise the poor lad is not going to be able to afford to fix his bike up. I have already said no, no way. But Mrs BG is feeling really sorry for him.
Mrs BG has had a crunch today in her 'woo. As she was turning right, a guy on a moped overtook her and smacked into her o's, damaging the drivers door and front wing (also possibly the cill and lower 'A' post, but it does look OK to me).
Now I reckon its going to need a door and a wing, plus paint and labour, probably around £600-£800 to fix.
BUT,
Mrs BG's Daewoo is a mint 96 P reg Nexia GLI 5dr auto with AC, it has only done 17,000 miles, it had only got a couple of thousand on it when we bought it at three years old. The car is worth about £300-£500, but how on earth would you replace it with something similar, its going to cost three or four times that (I am not suggesting her current car is worth that, but finding a mint low mileage 5dr auto with AC isnt going to be easy).
Mrs BG is very worried that they will write it off, and we wont be able to replace it for the money. Would we be able to accept the money, or less money and keep the car? although I understand it will then be flagged as a category whatever write off for the rest of its days, which doesnt bother us. I can put a door and a wing on it myself, its all bolt on.
Another problem which the PH massive might be able to advise on, the 17 year old that ran into her on his brand new bike, only has third party cover, and his mum has been on the phone to Mrs BG wanting her to admit liability other wise the poor lad is not going to be able to afford to fix his bike up. I have already said no, no way. But Mrs BG is feeling really sorry for him.
Edited by Balmoral Green on Thursday 5th October 19:10
Never admit liability, it was his bleeding fault! My in-laws had nasty threats from someone trying to do that, but they stood firm and although the arguments went on for a while, they came out on top in the end. If he couldn't afford the damage, why was he driving like an idiot in the first place?
Don't know much about write-offs, but you can keep the car as long as it's not a certain type of write-off that would be deemed dangerous to repair and put back on the roads. If it's just an economic write-off, you should be able to keep the car, fix it up at your own expense, and enjoy more years of motoring. It may have to be flagegd as a writeen-off repaired car, but that would only matter if you wanted to sell it, or were involved in another accident, I think.
Don't know much about write-offs, but you can keep the car as long as it's not a certain type of write-off that would be deemed dangerous to repair and put back on the roads. If it's just an economic write-off, you should be able to keep the car, fix it up at your own expense, and enjoy more years of motoring. It may have to be flagegd as a writeen-off repaired car, but that would only matter if you wanted to sell it, or were involved in another accident, I think.
You should be able to buy back the car if it's written off - exact details are for you to haggle with the insurance company/assessor.
As for the 17 year old on the moped - bugger him!
If he's anything like the prats that hare up and down the busy A roads here, he's better off learning his lesson now on something reasonably minor than getting away with it and killing himself next month. It's a daily occurance as I go round the ring road here to have to take avoiding action to not kill some plank of a hairdryer. I was particularly pissed off by the numpty pulling wheelies on his moped 6 feet off my rear bumper on Monday going along Stockhill Lane (just before the primary school). If I would have had to stop quickly I'd be in the same position you are now.
As for the 17 year old on the moped - bugger him!
If he's anything like the prats that hare up and down the busy A roads here, he's better off learning his lesson now on something reasonably minor than getting away with it and killing himself next month. It's a daily occurance as I go round the ring road here to have to take avoiding action to not kill some plank of a hairdryer. I was particularly pissed off by the numpty pulling wheelies on his moped 6 feet off my rear bumper on Monday going along Stockhill Lane (just before the primary school). If I would have had to stop quickly I'd be in the same position you are now.
Balmoral Green said:
As she was turning right, a guy on a moped overtook her and smacked into her o's
Bloody hell, now i'm starting to feel sorry for the guy. Apparently, Mrs BG was parked up on the left, signalled and pulled out, then immediately turned right. I now reckon she was a bit premature in pulling out when a bike was coming down the road, as she pulls out, he thought sod it, i'll pass her, and she then turns right as he does so. 
Did I mention she was a numpty? never ever speeds you know.
Should she own up so the poor lad can get his repairs paid for?
FortJefferson said:
Mad_Morris said:
why was he driving like an idiot in the first place?
Since when has overtaking been driving like at idiot?
I was always taught never to overtake a vehicle with a right-hand signal on. To do so does seem to me to be a bit daft, to say the least.
However, it's hard to say who's at fault without actually having seen the accident. If Mrs BG did pull away and turn a bit hastily, then it could be argued that the scooter rider was taking evasive action. That said, it does sound like the scooter guy was being a little careless in overtaking Mrs BG's car before evaluating what it was doing.
Hi Woz ,Sorry to here the old ruby red rockets taken a biffing - im sure the insurance company would be up for a bit of negotiation on it if they suggest a write off.
My mate Mark had a Lanos SX, he managed to get hit by a motorbike which did for the front wing , bumper & headlight. He then got hit in the passenger front door by a taxi two days later...it was all fixed by the insurance & the thing couldnt be worth more than a grand (Y reg sx 5dr 50K with busted a/c!)
My mate Mark had a Lanos SX, he managed to get hit by a motorbike which did for the front wing , bumper & headlight. He then got hit in the passenger front door by a taxi two days later...it was all fixed by the insurance & the thing couldnt be worth more than a grand (Y reg sx 5dr 50K with busted a/c!)
Ayup Marcus, must do drinks sometime, what you doing tomorrow?
www.pistonheads.com/gassing/topic.asp?p=5&f=113&t=301969&h=0
www.pistonheads.com/gassing/topic.asp?p=5&f=113&t=301969&h=0
Balmoral Green said:
Ayup Marcus, must do drinks sometime, what you doing tomorrow?
www.pistonheads.com/gassing/topic.asp?p=5&f=113&t=301969&h=0
www.pistonheads.com/gassing/topic.asp?p=5&f=113&t=301969&h=0
Are you going to have chicken Tarka?
When father wrote off his car, he wouldn't let them take it away until they had actually paid for it. Made the loss adjuster come to the farm to inspect it.....
That way theres no chance of them having your car and then offering you stuff all, and if you want the salvage, you don't have to bear the cost of transporting it back again.
In his case there was no doubt it was written off, but even if it was repairable he would have kept hold until an agreement re repair/payment was reached and put in writing.
That way theres no chance of them having your car and then offering you stuff all, and if you want the salvage, you don't have to bear the cost of transporting it back again.
In his case there was no doubt it was written off, but even if it was repairable he would have kept hold until an agreement re repair/payment was reached and put in writing.
Had one couple of years back.Nurse ran into rear of mine.Repair centre warned me that her ins co was trying to get mine written off - mine advised me that in this case i could haggle ---had it been on my ins - they make offer - take it or leave it.
Another option - ask about offering to buy the car back after write off ---think that is possible. ---put a door on and paint it .
Another option - ask about offering to buy the car back after write off ---think that is possible. ---put a door on and paint it .
Balmoral Green said:
They've written it off, all it wants is a wing and a door skin. Now comes the fun part of establishing its value with them for a pay out, and then retrieving the car so I can put a wing on it myself (the door can stay dented).
Warren if you need a car trailer and a tow let me know. It's the least I owe you.
Regards
Iain
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