Forcing repair instead of write off
Discussion
The OH's 15 year old Audi Cab was run in to in a car park damaging front and rear ends. It is a cherished car (insured as a classic car) to her but not worth much in financial value. I think the repair cost will write off the car, but a friend tells me that we can force the insurance co. to repair it. Is that the case, does anybody have any experience of this?
Ozone said:
The OH's 15 year old Audi Cab was run in to in a car park damaging front and rear ends. It is a cherished car (insured as a classic car) to her but not worth much in financial value. I think the repair cost will write off the car, but a friend tells me that we can force the insurance co. to repair it. Is that the case, does anybody have any experience of this?
Your friend is completely wrong.ZOLLAR said:
Your friend is completely wrong.
Yep. The insurance co have a duty to ensure that, within reason, you are put back to the financial position you were at before the crash. The car's market value is considered the "reasonable" limit for your car repair costs. Not very fair I know, but otherwise you'd get people who have had a £500 car overturned in a crash insisting it be repaired at a cost of £35,000...!I've been on the receiving end of someone else's crash like this before.
As above - your friend is mistaken.
I knew the score beforehand so it wasn't a surprise but it was still an extremely bitter pill to swallow having your P&J wrecked by some one-man skills shortage. You will be offered an amount that can't buy anything you'd want to own and the courtesy car is collected the day your piddly little cheque arrives.
It wouldn't seem so bad if it was your fault, but when someone else causes the crash and you're the one who comes off worse in every measureable way it seems very much like the sh*t end of the stick you've been given, whilst the moron who wrote off your car may well have their car repaired, cleaned and returned to them as though nothing happened less a £150 excess. You're getting buses to view crap cars worth nothing having committed the sin of properly maintaining a car for many years previously.
As above - your friend is mistaken.
I knew the score beforehand so it wasn't a surprise but it was still an extremely bitter pill to swallow having your P&J wrecked by some one-man skills shortage. You will be offered an amount that can't buy anything you'd want to own and the courtesy car is collected the day your piddly little cheque arrives.
It wouldn't seem so bad if it was your fault, but when someone else causes the crash and you're the one who comes off worse in every measureable way it seems very much like the sh*t end of the stick you've been given, whilst the moron who wrote off your car may well have their car repaired, cleaned and returned to them as though nothing happened less a £150 excess. You're getting buses to view crap cars worth nothing having committed the sin of properly maintaining a car for many years previously.
like said previously, if you really believe your car is worth more than the normal then get an agreed value policy.
My car books at about £1400 (it's an old golf gti) but as there's only about 100 or so left on the road I value it higher and have an agreed value policy (which cost me about £30 more a year)
My car books at about £1400 (it's an old golf gti) but as there's only about 100 or so left on the road I value it higher and have an agreed value policy (which cost me about £30 more a year)
Meh - I have had an agreed value repair carried out when they wanted to write one of my cars off.
The value was agreed and they paid up for the repairs + the accident management company gave me a hire car for the length of the repairs (an astra before anyone starts thinking I was on a compo mission).
So there are ways in which you can avoid your car being written off - so long as you can find a repairer that will do the job for the agreed value.
The value was agreed and they paid up for the repairs + the accident management company gave me a hire car for the length of the repairs (an astra before anyone starts thinking I was on a compo mission).
So there are ways in which you can avoid your car being written off - so long as you can find a repairer that will do the job for the agreed value.
Get quote from a local garage you dont have to go to the insurance companies garage, I did this and had my car repaired in a friends garage a few years ago, h got the quote down by saying the panels could be repaired rather than replaced, we then both looked for good used panels in the same colour as original job done, still needed some repair but got repaired rather than wrecked
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