Insurance repairs - are only write-offs recorded?
Insurance repairs - are only write-offs recorded?
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Discussion

drcarrera

Original Poster:

795 posts

254 months

Tuesday 4th September 2012
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The initial message was deleted from this topic on 31 October 2013 at 12:13

AMDBSNick

7,215 posts

191 months

Tuesday 4th September 2012
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drcarrera said:
Assuming the insurers don't declare it a total loss and it's repaired, is the fact recorded anywhere?
Shouldn't be

mrmr96

13,736 posts

233 months

Tuesday 4th September 2012
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Don't think it would be recorded. But you would have to declare that it had been accident damaged and repaired if a buyer asks you. So on that basis, yes it will be worth less than one which had never been smashed. (It might also be apparent to a buyer or engineer acting on behalf of a buyer, during a pre-purchase inspection.)

AMDBSNick

7,215 posts

191 months

Tuesday 4th September 2012
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mrmr96 said:
Don't think it would be recorded. But you would have to declare that it had been accident damaged and repaired if a buyer asks you. So on that basis, yes it will be worth less than one which had never been smashed. (It might also be apparent to a buyer or engineer acting on behalf of a buyer, during a pre-purchase inspection.)
However I would be well miffed if a dealer offered me less having had the work done at WS

Chris - it seems the other side have admitted liability biggrin

AdamV12V

5,314 posts

206 months

Tuesday 4th September 2012
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AMDBSNick said:
However I would be well miffed if a dealer offered me less having had the work done at WS
I can see how you would feel that way, but ask yourself if you had the choice of buying two identical cars, one of which was original condition and one of which had been in a £30k accident with a perfect repair done at WS, which would you choose to buy? How much of a discount would you expect in order to tempt you to buy the accident repair car???

I for one would certainly expect the repaired car to be a bit cheaper, otherwise why wouldn't you just choose the original car every time.

AMDBSNick

7,215 posts

191 months

Tuesday 4th September 2012
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AdamV12V said:
I can see how you would feel that way, but ask yourself if you had the choice of buying two identical cars, one of which was original condition and one of which had been in a £30k accident with a perfect repair done at WS, which would you choose to buy? How much of a discount would you expect in order to tempt you to buy the accident repair car???

I for one would certainly expect the repaired car to be a bit cheaper, otherwise why wouldn't you just choose the original car every time.
Don't disagree Adam. It always makes me laugh though how they tell you the value wont be affected when they want to get the repair job

AdamV12V

5,314 posts

206 months

Tuesday 4th September 2012
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Indeed the insurance company should pay you a few £k extra in cash to compensate for future lost value - but we all know thats never going to happen!

krisdelta

4,670 posts

230 months

Tuesday 4th September 2012
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22k in parts?! That sounds VERY expensive - looking on astonmartinbits, it would suggest there is a "healthy" mark up for a front-end replacement!

Rick101

7,189 posts

179 months

Tuesday 4th September 2012
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I think it's recorded on the front page of the V5.

It states what class damage was recorded.

Lunablack

3,494 posts

191 months

Tuesday 4th September 2012
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Rick101 said:
I think it's recorded on the front page of the V5.

It states what class damage was recorded.
No it isn't.... It's only recorded if its a total loss.....

As for the OP, there will be no record....


I know of at least 4 owners of TVR's, that have done a bit of offroading, and had their cars repaired out of their own pocket...no record whatsoever.....

As they say.... Buyer beware

v8woollie

4,363 posts

174 months

Tuesday 4th September 2012
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This is exactly what happened to me. I found out that the car I bought from a dealer had been in an accident. I checked and the repairs had been done at AM Works although there were a few panel alignment issues. The repair had been done in 2010 and comprised new offside rear wing, new drivers door and new offside rear wheel. The passenger door was also replaced as it had some damage from being opened into a bollard so the owner had that done at the same time.

I was far from happy as had I known about the accident repair I would never have purchased the car. As there was no structural repair and just bodywork repair I wasn't offered a refund but I did get the alignment issues sorted out and a letter from the dealer stating that they would not down value the car at any future date should I wish to part exchange or sell it.

My damage repair doesn't sound anywhere near as bad as yours and I'm sure it will come back from Works as good as new. One upside is that I won't get corrosion around the doors bottoms and locks as the new primer and paint were used for the respray.

Lunablack

3,494 posts

191 months

Tuesday 4th September 2012
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Chris.....do yourself a favour, and Google "diminished value". There's loads of info on their on how to calculate it, how to claim for any future loss etc....

v8woollie

4,363 posts

174 months

Tuesday 4th September 2012
quotequote all
The wonderful world of insurance!! To be fair, if the car is repaired properly (and one would assume Works Service are the best placed people to achieve that) then your car should be no different to one that rolled off the production line. The biggest issue with an accident repaired car is your own mental attitude towards it as in your mind you are convinced it isn't the same anymore.

Let works service do their magic and see how you feel. If you are of a mind to do so you can always ask a dealer to sell it for you on commission. As I found to my disappointment when my car's previous owner asked the dealer to sell on commission, the only question the dealer asks is 'has the car either been declared a write off or had any structural repairs following an accident?'. The answer in my case was of course no but the question that should be asked is 'has the car been involved in any accidents?'

Live and learn.

yeti

10,683 posts

304 months

Tuesday 4th September 2012
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mrmr96 said:
Don't think it would be recorded. But you would have to declare that it had been accident damaged and repaired if a buyer asks you
That would certainly be the decent thing to do, but it is no way legally required unless you are a dealer - and then you only have to declare if it's a repaired Cat write-off. Any decent PPI should spot repairs instantly though.

v8woollie

4,363 posts

174 months

Tuesday 4th September 2012
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yeti said:
That would certainly be the decent thing to do, but it is no way legally required unless you are a dealer - and then you only have to declare if it's a repaired Cat write-off. Any decent PPI should spot repairs instantly though.
PPI?

michael gould

5,698 posts

270 months

Tuesday 4th September 2012
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The car is worth less and I would appoint a loss adjuster to fight your corner on demenution of value 3-5 k I would think

Rick101

7,189 posts

179 months

Wednesday 5th September 2012
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Lunablack said:
No it isn't.... It's only recorded if its a total loss.....

As for the OP, there will be no record....
What do you define as total loss then?

I've bought cars before with the Class D classification stated on the front of the V5.

mrmr96

13,736 posts

233 months

Wednesday 5th September 2012
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v8woollie said:
PPI?
pre purchase inspection

yeti

10,683 posts

304 months

Wednesday 5th September 2012
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Rick101 said:
I've bought cars before with the Class D classification stated on the front of the V5.
Category D is total loss, yes - an uneconomical repair. Generally bodywork only, nothing structural at all.

Accident repairs that were economical are not recorded on the V5.

yeti

10,683 posts

304 months

Wednesday 5th September 2012
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mrmr96 said:
pre purchase inspection
What he said ^^ smile