Insurance writing off car, what to do?
Discussion
We have a 62 plate Nissan Qashqai, worth about £3500.
It was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
It was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
skilly1 said:
We have a 62 plate Nissan Qashqai, worth about £3500.
It was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
Sounds like you've pretty much answered your own questionIt was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
skilly1 said:
We have a 62 plate Nissan Qashqai, worth about £3500.
It was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
As you have history with the car and if the damage is 'minimal', i would keep it for now.It was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
I faced a similar situ on my Honda Accord 5 years ago,hit by another car at less than 10mph inside the Tesco car park
Insurance wanted to write it off and pay me £950,I said no then they said they will give me £840 and for me to repair it (just a small ding on the mudguard and scratched bumper),I took the offer and my local repaired that to factory standards as well as took out another ding in the boot which was there when I got the car and polished the whole car for £340!,there were no insurance marking either!
skilly1 said:
We have a 62 plate Nissan Qashqai, worth about £3500.
It was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
Not sure atm, Is this a proper bent & dented bumper?, or as it was except for a minimal little imperfection at and odd angle?It was hit in the rear by another car whist stationary at lights. The driver of the other car and their insurance company have admitted liability.
Their insurance company wants to write it off and give us £3400, or they will put it as a CAT S and sell it back to us, and give us £2400 on top.
The damage is superficial, bent bumper, which we won't repair. I have had it checked over by a garage for structural damage and there is none. It was only a 15mph hit, and most was taken by the towbar.
We need the car for another 6-8 months as we have a new car coming and I'm thinking of the CAT S route. We then sell it when the new car arrives, hopefully for more than £1000 - Any thoughts?
e21Keith said:
Let them Cat S it and take the money.
BUT
Reject their offer, citing that the car is in great condition, full service history and you think it's worth a lot more than they are offering. They wont want to inspect the car and they will offer you more money.
I warn against this unless it is actual damage not a bump and minimal deformation, seen it tried before, was two women one on phone and one lost, clearly they missed three opportunities to go on a roundabout then stupidly shunted forward and stopped causing the car behind to look right and make good progress clean into the back of them to no damage except to his car number plate..BUT
Reject their offer, citing that the car is in great condition, full service history and you think it's worth a lot more than they are offering. They wont want to inspect the car and they will offer you more money.
This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause an accident/driving without due care & attention and going further in the background unbeknown to them.
Edited by NFT on Saturday 25th June 12:58
NFT said:
e21Keith said:
Let them Cat S it and take the money.
BUT
Reject their offer, citing that the car is in great condition, full service history and you think it's worth a lot more than they are offering. They wont want to inspect the car and they will offer you more money.
I warn against this unless it is actual damage not a bump and minimal deformation, seen it tried before, was two women one on phone and one lost, clearly they missed three opportunities to go on a roundabout then stupidly shunted forward and stopped causing the car behind to look right and make good progress clean into the back of them to no damage except to his car number plate..BUT
Reject their offer, citing that the car is in great condition, full service history and you think it's worth a lot more than they are offering. They wont want to inspect the car and they will offer you more money.
This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause and accident/driving without due care & attention and going further in the background unbeknown to them.
Edited by NFT on Saturday 25th June 12:49
Obviously they wouldn't but police may, He thinks that had they paid attention it would not have occurred and thinks to be distracted,, not go three times while on phone and then move forward and stop for no reason when was totally clear for them to go and they moved 2 meters (driving right out of his sight to left as if waited for him to look then stopped dead with no real reason) that it is a scam or there taking the Pee wanting to up the cost of the claim he wouldn't have even bothered with.
No idea on OPs circumstances tho, just warning they may wish to check it.
P.S was Bradford too so also suspected they had no insurance to start with & was then expecting large whiplash claims.
No idea on OPs circumstances tho, just warning they may wish to check it.
P.S was Bradford too so also suspected they had no insurance to start with & was then expecting large whiplash claims.
Edited by NFT on Saturday 25th June 13:29
NFT said:
I warn against this unless it is actual damage not a bump and minimal deformation, seen it tried before, was two women one on phone and one lost, clearly they missed three opportunities to go on a roundabout then stupidly shunted forward and stopped causing the car behind to look right and make good progress clean into the back of them to no damage except to his car number plate..
This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause an accident/driving without due care & attention and going further in the background unbeknown to them.
So what you are saying someone drove into the back of a car in front of them but it wasn't their fault? Despite the fact the other driver's behaviour in the few seconds before the crash indicates they were either a nervous driver, not paying attention, or a scammer. All good reasons for being extra careful.This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause an accident/driving without due care & attention and going further in the background unbeknown to them.
Edited by NFT on Saturday 25th June 12:58
irc said:
NFT said:
I warn against this unless it is actual damage not a bump and minimal deformation, seen it tried before, was two women one on phone and one lost, clearly they missed three opportunities to go on a roundabout then stupidly shunted forward and stopped causing the car behind to look right and make good progress clean into the back of them to no damage except to his car number plate..
This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause an accident/driving without due care & attention and going further in the background unbeknown to them.
So what you are saying someone drove into the back of a car in front of them but it wasn't their fault? Despite the fact the other driver's behaviour in the few seconds before the crash indicates they were either a nervous driver, not paying attention, or a scammer. All good reasons for being extra careful.This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause an accident/driving without due care & attention and going further in the background unbeknown to them.
Edited by NFT on Saturday 25th June 12:58
Even brake testing, the rear car was following too closely.
e21Keith said:
Let them Cat S it and take the money.
BUT
Reject their offer, citing that the car is in great condition, full service history and you think it's worth a lot more than they are offering. They wont want to inspect the car and they will offer you more money.
This. My son was offered his Fabia for £1600 with cat s, He had another car anyway so didnt need it, it made £600 at Copart. As always dont accept the first offers.BUT
Reject their offer, citing that the car is in great condition, full service history and you think it's worth a lot more than they are offering. They wont want to inspect the car and they will offer you more money.
wong said:
irc said:
NFT said:
I warn against this unless it is actual damage not a bump and minimal deformation, seen it tried before, was two women one on phone and one lost, clearly they missed three opportunities to go on a roundabout then stupidly shunted forward and stopped causing the car behind to look right and make good progress clean into the back of them to no damage except to his car number plate..
This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause an accident/driving without due care & attention and going further in the background unbeknown to them.
So what you are saying someone drove into the back of a car in front of them but it wasn't their fault? Despite the fact the other driver's behaviour in the few seconds before the crash indicates they were either a nervous driver, not paying attention, or a scammer. All good reasons for being extra careful.This angered him so much that he got my friends details as a witness through insurer as was behind him, Peed him off they would even bother since no damage that reported for dangerous driving, failing to make progress, causing obstruction and he instructed insurer to treat them as criminals for not making progress and they have tried something similar to his insistence they be dealt with as deliberately committing a false stop to cause an accident/driving without due care & attention and going further in the background unbeknown to them.
Even brake testing, the rear car was following too closely.
I believe by default it is following cars fault unless can be proved, hence my friend got contacted as allegations of multiple traffic offenses to cause it, forgot to say friend had dash cam so it looks like they either stopped for no reason or asking directions on phone that was in use and stopped to hear correct junction, or calculated to do it after going out the guys line of sight (covering traffic from right and straight ahead of him but leaving blind spot front left) common by scammers, as you've see them go, a lot look right, can see in front of your car but blind to front left of the car, see a spot and as you look ahead you see they have magically returned, appearing in-front of you then bang, shock, sorry, here's my insurer. Only to later think about what has occurred and know something abnormal occurred then tell insurer. Causing them to focus on anything to avoid paying out where they can.
Edited by NFT on Saturday 25th June 19:04
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