Hit up the @ss. Write off?
Discussion
Today I got a nice surprise. My first reaction was that I had somehow violently stalled the car.. Not as bad as I expected the lower bumper seems to have a few small dents, scrapes and whatnot but no real holes or cracks, the boot is dented quite badly on both sides however and doesn't sit flush.
How will the insurers see this? Will they try to source brand new parts? (2002 Seat Leon) They said
Value is £2,500 with £300 voluntary excess.
Thanks
How will the insurers see this? Will they try to source brand new parts? (2002 Seat Leon) They said
Value is £2,500 with £300 voluntary excess.
Thanks
saaby93 said:
The value you told your own insurer only comes into play if you deal with it through your own insurer
Why not go through the third party or their insurer if you want to negotiate value of repairs or it being written off?
I just assumed my insurances takes care of things, didn't know you could intervene like that. I'll talk to them again tomorrow.Why not go through the third party or their insurer if you want to negotiate value of repairs or it being written off?
Disco You said:
Your excess is irrelevant as you'll claim from the other person's insurance.
Cheers. So no excess of non fault claims or excess is taken from other insurer?Any repair would be carried out with brand new OEM parts following strict quality assurance procedures. However, based on your description the car will be borderline beyond economical repair.
You will be liable for your excess until the third party insurance company admits liability on behalf of the driver and pays your losses. If you are found not to be at fault you will either not pay excess at all, or you'll pay it and get a refund later.
You will be liable for your excess until the third party insurance company admits liability on behalf of the driver and pays your losses. If you are found not to be at fault you will either not pay excess at all, or you'll pay it and get a refund later.
HustleRussell said:
Any repair would be carried out with brand new OEM parts following strict quality assurance procedures. However, based on your description the car will be borderline beyond economical repair.
You will be liable for your excess until the third party insurance company admits liability on behalf of the driver and pays your losses. If you are found not to be at fault you will either not pay excess at all, or you'll pay it and get a refund later.
Although with a rear end smash the other driver has only got the "cash for crash" argument to try, and that shouldn't last long. if the boot doesn't sit flush any more, chances are it'll be a write-off; I asked an insurance body shop to quote for a dent on a door once and they quoted over £1000 to replace the door and respray half the car when all it needed was the dent pulled and a quick blow over of about 1' square.You will be liable for your excess until the third party insurance company admits liability on behalf of the driver and pays your losses. If you are found not to be at fault you will either not pay excess at all, or you'll pay it and get a refund later.
Davepoth- indeed, typically an open and shut case for the claims dept.
Re: your repair example, insurance industry repair shops are bound by strict QA procedures to carry out repairs by the book. These bodyshops turn out hundreds of repairs a month to these standards and doing a lower quality job at the customer's request causes all sorts of headaches. Not many jobs go out the door having cost significantly less than £1k, the average repair cost is about £1,400.
Re: your repair example, insurance industry repair shops are bound by strict QA procedures to carry out repairs by the book. These bodyshops turn out hundreds of repairs a month to these standards and doing a lower quality job at the customer's request causes all sorts of headaches. Not many jobs go out the door having cost significantly less than £1k, the average repair cost is about £1,400.
HustleRussell said:
Davepoth- indeed, typically an open and shut case for the claims dept.
Re: your repair example, insurance industry repair shops are bound by strict QA procedures to carry out repairs by the book. These bodyshops turn out hundreds of repairs a month to these standards and doing a lower quality job at the customer's request causes all sorts of headaches. Not many jobs go out the door having cost significantly less than £1k, the average repair cost is about £1,400.
Obviously they can't do things "on the cheap" but considering this dent was something I could pull with a tennis ball, replacing body panels seemed a little excessive. My experience isn't that relevant in this case though, but would you agree a write off would seem quite likely if the rear is bent?Re: your repair example, insurance industry repair shops are bound by strict QA procedures to carry out repairs by the book. These bodyshops turn out hundreds of repairs a month to these standards and doing a lower quality job at the customer's request causes all sorts of headaches. Not many jobs go out the door having cost significantly less than £1k, the average repair cost is about £1,400.
beatngu said:
Thanks for the help.
I'm hoping it is a write-off now as don't really fancy driving a repaired rear end shunt, especially if they didn't meticulously go over the entire car for damage.
The insurance said they use Glass's for the valuation, is this the private value or trade value?
Are we talking about your insurance or third party's insurance?I'm hoping it is a write-off now as don't really fancy driving a repaired rear end shunt, especially if they didn't meticulously go over the entire car for damage.
The insurance said they use Glass's for the valuation, is this the private value or trade value?
saaby93 said:
re we talking about your insurance or third party's insurance?
My insurance. I spoke with them yesterday. I also got a call from Legal guard but didn't finish the phone call.MagicalTrevor said:
Hopefully it'll be a write off and then you can maybe buy it and get it back on the road as a Cat C/D with some in your pocket
Do they give me that choice? I won't accept a penny less than what I paid for it so hopefully they'll go for the Glass value which should be nearer £3k. And on Autotrader that seems about right for a 1.9 TDI leon with under 100k on the clock. (although they look a pain to sell in perfect nick, let alone previously written off)MagicalTrevor said:
Hopefully it'll be a write off and then you can maybe buy it and get it back on the road as a Cat C/D with some in your pocket
Do they give me that choice? I won't accept a penny less than what I paid for it so hopefully they'll go for the Glass value which should be nearer £3k. And on Autotrader that seems about right for a 1.9 TDI leon with under 100k on the clock. (although they look a pain to sell in perfect nick, let alone previously written off)They can only write it off (economically) with your agreement. As it wasn't your fault, you are entitled to have your car repaired regardless of the cost. Usually that's only worth doing if there are some special circumstances, e.g. rare model, classic, modifications that would be hard to transfer.
beatngu said:
Do they give me that choice? I won't accept a penny less than what I paid for it so hopefully they'll go for the Glass value which should be nearer £3k. And on Autotrader that seems about right for a 1.9 TDI leon with under 100k on the clock. (although they look a pain to sell in perfect nick, let alone previously written off)
You should get offered a value in glasses, less what they can get away with You can argue about if if autotrader seems to say different but they'll allow for haggling with a seller. Did you say the car was worth more than £3k when you took out your insurance?Did they say youd have to claim your excess back from the third party?
It's a straightforward third party claim?
Thanks again guys.
Only received this letter today, looks like it answers one of my questions and one of saaby93's questions;
"Your policy excess will not be deducted from this settlement. The excess may be applied to any future claims you make."
"From the vehicle damage details you have given, your vehicle may be beyond economical repair. By now our total loss team will have already discussed this with you" (err, not yet they haven't)
saaby93 said:
You should get offered a value in glasses, less what they can get away with You can argue about if if autotrader seems to say different but they'll allow for haggling with a seller. Did you say the car was worth more than £3k when you took out your insurance?
Did they say youd have to claim your excess back from the third party?
It's a straightforward third party claim?
Valued it at £2,500. Wasn't sure if the other insurer can see this price. But yes, they seem to go for £3k+ with my spec. I'd be happy either way.Did they say youd have to claim your excess back from the third party?
It's a straightforward third party claim?
Only received this letter today, looks like it answers one of my questions and one of saaby93's questions;
"Your policy excess will not be deducted from this settlement. The excess may be applied to any future claims you make."
"From the vehicle damage details you have given, your vehicle may be beyond economical repair. By now our total loss team will have already discussed this with you" (err, not yet they haven't)
mjb1 said:
They can only write it off (economically) with your agreement. As it wasn't your fault, you are entitled to have your car repaired regardless of the cost. Usually that's only worth doing if there are some special circumstances, e.g. rare model, classic, modifications that would be hard to transfer.
I was going to say this- it doesnt matter what the car is if its non fault you can request it.I would use it as a bargaining chip, if they dont offer you the 3k you want it repaired regardless of cost!!!
Gassing Station | General Gassing | Top of Page | What's New | My Stuff