Brand new car crashed into, what happens now?

[skodaphile]

I was a passenger yesterday in a mates brand new Cupra Leon which was delivered on Friday. This was literally only the second time he had driven it, total mileage he got to drive before the accident was about 10!

It was hit all down the offside by an elderly lady in a Qashqai who claimed her brakes failed...(they seemed to work when moving the car later!)

Anyway, the car is on a PCH deal and I am just curious as to whether it'll simply be repaired, or is there any chance it may be replaced or even written off? Damage is to rear quarter, both doors, both alloys and front wing. Drivers door hits the wing, and the wing no longer aligns with the bonnet:

[The Road Crew]

I'd expect a repair.

[journeymanpro]

Repaired. Doesn't look that bad.

[normalbloke]

A repair. But probably a humongous wait for parts in the current climate.

[MrGman]

A guy at work has this happen to him, he got a new car.
It probably comes down to his insurance though, some companies offer to replace with a new car if it’s within a certain age I seem to remember.

Whatever happens, it’s certainly going to leave a bad taste.

[dibblecorse]

I expect that will get repaired and returned, the finance company won't get involved, so will all come down to the 3rd party insurers view on it.

[anonymous-user]

How gutting is that, at least the roof didn't get cut off.

[Matt_E_Mulsion]

That'll be repaired all day long.

[V8 Bob]

Make sure he gets a courtesy car. If there is a long lead time on parts then the cost of a courtesy car may tip the insurers hands to write it off which is I presume the owners preferred outcome.

[poo at Paul's]

I’m not convinced they will repair that. It’s a lot of parts and work, would need a new quarter, stitching such a thing on is not easy nowadays. There’s sill damage too, so or innards look tweaked. And at such low miles, it’s salvage value is pretty high.
I’d not be surprised it they wrote it off

[skodaphile]

Thanks guys, will report back when I hear more.

Nobody was hurt which is most important, it's all the hassle that's most painful, especially just before Christmas.

The lady carried on through a fence and gate and stopped against a parked car too, so her claim will be interesting.

[Export56]

If I had bought the car I would want it replaced, on PCP probably get repaired.

[Sheepshanks]

MrGman said:

A guy at work has this happen to him, he got a new car.
It probably comes down to his insurance though, some companies offer to replace with a new car if it’s within a certain age I seem to remember.

Not for PCH.

[AJB88]

Mate of mine had his 2 day old SEAT Ibiza crashed into a few years ago, they replaced it. but yeh on PCH will probably be a repair.

[TonyF1]

Curious why the method of purchase would effect whether it’s a repair or written off.

[4Q]

TonyF1 said:

Curious why the method of purchase would effect whether it’s a repair or written off.

Because there will still be liability for the full term of payments in addition to the value of the car if it’s written off. If your friend doesn’t have gap insurance I would hope it isn’t written off.

[TonyF1]

I think most policies have replace with new if written off in first 12 months. Certainly my gap was based on coverage from year two.

[skodaphile]

Just to confirm it's on PCH not PCP so long term value is the lease company's problem.

3rd party admitted full liability and he has already been contacted by their insurer LV=, but obviously has not had the car assessed yet.

[Sheepshanks]

skodaphile said:

Just to confirm it's on PCH not PCP so long term value is the lease company's problem.

3rd party admitted full liability and he has already been contacted by their insurer LV=, but obviously has not had the car assessed yet.

He just needs to make sure that the repair will pass the lease company's return standards - I would guess it could be a lot of hassle if they say they're not happy with the car in two or three years time.

LV= wrote off my daughter's car when we (and the repairer) expected it to be repaired and they kind of steam-rollered through the process, not helped by her having a job where she's very difficult to contact. She was insurered with them and it was non-fault but that didn't make any difference.

Normally if a PCH car get written off then the finance is settled and that's the end of the deal, so you're pretty instantly left high and dry without a car - not great at the moment. The few cases that have come up on here people don't seem to lose out financially, but you could do if there was a hefty initial payment (and you don't have GAP that covers it).

[BrokenSkunk]