Insurance Headache
Discussion
First time posting here, welcome all!
Last week a local lady reversed straight back into my parked car, hitting my drivers side area (between the drivers door and the front wheel).
The door panel, wheel arch, and front bumper are dented and scratched, wing mirror destroyed, and the drivers door now clunks in a strange way whenever it shuts. It's not the worst damage in the world, my car is still driveable but it still needs to be sorted.
Obviously she is 100% at fault and has admitted this, thankfully.
I got my local Ford specialist accident centre to get a quote for repair, and it came out around 2.5k. At this point , I realised how severe the damage was , so decided to go through insurance. Upon telling my insurance company verball what happened, they instructed Coparts to collect my car, as it was likely a write off. However they did not confirm it would be written off. They said Coparts would assess my car and it would go from there. Not wanting to be left without my car and then lowballed by insurance for its market value, i asked if I could submit Ford's report and they could use that to confirm if it is a write off, so we could then discuss a price before it's taken away.
They are insisting that Ford's report is uploaded by Ford to Audatex, however when I asked Ford to do this, they said they would "change the price of labour" on the quote to reflect "approved repairer rates". I am now wondering what does this mean, are they trying to reduce their quote so that the insurer choses repair instead of write off? (It would be in my local Ford specialist's interest to lower their quote and get the work?)
The market value of the car (2014 Fiesta ecoboost) is around 4.5k. So I'm assuming for a quote of 2.5k upwards , the insurance would prefer to write it off. I am worried if I go ahead and let Ford upload their report with a much cheaper price, the insurer might instruct repair.
It's in my interests for it to be written off, as it's taken a big shunt and I don't believe it drives the same as it did before. Also its due an expensive wet belt change at the end of the year, and I was wanting to get a new car anyway.
What would my best bet be, to just ring the insurance and tell them to have coparts collect it? Is it in coparts interest to inflate the cost to repair the damage get the car " written off " as they obviously need a steady supply of cars like mine that they can strip and sell? Whereas its in Ford's interest to downplay the price to repair so they get the work? The only worry with coparts is that they might decide its repairable and bodge it on the cheap with scrap parts from the yard.
Thanks, any advice appreciated
Last week a local lady reversed straight back into my parked car, hitting my drivers side area (between the drivers door and the front wheel).
The door panel, wheel arch, and front bumper are dented and scratched, wing mirror destroyed, and the drivers door now clunks in a strange way whenever it shuts. It's not the worst damage in the world, my car is still driveable but it still needs to be sorted.
Obviously she is 100% at fault and has admitted this, thankfully.
I got my local Ford specialist accident centre to get a quote for repair, and it came out around 2.5k. At this point , I realised how severe the damage was , so decided to go through insurance. Upon telling my insurance company verball what happened, they instructed Coparts to collect my car, as it was likely a write off. However they did not confirm it would be written off. They said Coparts would assess my car and it would go from there. Not wanting to be left without my car and then lowballed by insurance for its market value, i asked if I could submit Ford's report and they could use that to confirm if it is a write off, so we could then discuss a price before it's taken away.
They are insisting that Ford's report is uploaded by Ford to Audatex, however when I asked Ford to do this, they said they would "change the price of labour" on the quote to reflect "approved repairer rates". I am now wondering what does this mean, are they trying to reduce their quote so that the insurer choses repair instead of write off? (It would be in my local Ford specialist's interest to lower their quote and get the work?)
The market value of the car (2014 Fiesta ecoboost) is around 4.5k. So I'm assuming for a quote of 2.5k upwards , the insurance would prefer to write it off. I am worried if I go ahead and let Ford upload their report with a much cheaper price, the insurer might instruct repair.
It's in my interests for it to be written off, as it's taken a big shunt and I don't believe it drives the same as it did before. Also its due an expensive wet belt change at the end of the year, and I was wanting to get a new car anyway.
What would my best bet be, to just ring the insurance and tell them to have coparts collect it? Is it in coparts interest to inflate the cost to repair the damage get the car " written off " as they obviously need a steady supply of cars like mine that they can strip and sell? Whereas its in Ford's interest to downplay the price to repair so they get the work? The only worry with coparts is that they might decide its repairable and bodge it on the cheap with scrap parts from the yard.
Thanks, any advice appreciated
Going to be honest I suspect most of the £2.5k will be down to labour specifically around prep and paint. Depending on colour there might be additional charges for blending into surrounding panels if metallic.
That that cost:
a) even if repaired I don't think it has taken as bigger damage as you possibly perceive (at least from the description), although for the reasons mentioned above you are already looking to change it anyway so possibly easier in someway.
b) most insurers will write off a car around 60% of market value including hire cars etc. more so if there is delays in parts
c) Ford are more likely to have different rates for insurers that focus on increasing costs.
That that cost:
a) even if repaired I don't think it has taken as bigger damage as you possibly perceive (at least from the description), although for the reasons mentioned above you are already looking to change it anyway so possibly easier in someway.
b) most insurers will write off a car around 60% of market value including hire cars etc. more so if there is delays in parts
c) Ford are more likely to have different rates for insurers that focus on increasing costs.
TheGreyEagle said:
First time posting here, welcome all!
Last week a local lady reversed straight back into my parked car, hitting my drivers side area (between the drivers door and the front wheel).
The door panel, wheel arch, and front bumper are dented and scratched, wing mirror destroyed, and the drivers door now clunks in a strange way whenever it shuts. It's not the worst damage in the world, my car is still driveable but it still needs to be sorted.
Obviously she is 100% at fault and has admitted this, thankfully.
I got my local Ford specialist accident centre to get a quote for repair, and it came out around 2.5k. At this point , I realised how severe the damage was , so decided to go through insurance. Upon telling my insurance company verball what happened, they instructed Coparts to collect my car, as it was likely a write off. However they did not confirm it would be written off. They said Coparts would assess my car and it would go from there. Not wanting to be left without my car and then lowballed by insurance for its market value, i asked if I could submit Ford's report and they could use that to confirm if it is a write off, so we could then discuss a price before it's taken away.
They are insisting that Ford's report is uploaded by Ford to Audatex, however when I asked Ford to do this, they said they would "change the price of labour" on the quote to reflect "approved repairer rates". I am now wondering what does this mean, are they trying to reduce their quote so that the insurer choses repair instead of write off? (It would be in my local Ford specialist's interest to lower their quote and get the work?)
The market value of the car (2014 Fiesta ecoboost) is around 4.5k. So I'm assuming for a quote of 2.5k upwards , the insurance would prefer to write it off. I am worried if I go ahead and let Ford upload their report with a much cheaper price, the insurer might instruct repair.
It's in my interests for it to be written off, as it's taken a big shunt and I don't believe it drives the same as it did before. Also its due an expensive wet belt change at the end of the year, and I was wanting to get a new car anyway.
What would my best bet be, to just ring the insurance and tell them to have coparts collect it? Is it in coparts interest to inflate the cost to repair the damage get the car " written off " as they obviously need a steady supply of cars like mine that they can strip and sell? Whereas its in Ford's interest to downplay the price to repair so they get the work? The only worry with coparts is that they might decide its repairable and bodge it on the cheap with scrap parts from the yard.
Thanks, any advice appreciated
Copart have no interest in your car, everything will be the same regardless ...the original quote was "probably " using spare parts so it can be done cheaper for you.. once insurance gets involved everything MUST be new and at Full labour rates for both ford and copart.....also copart don't remove scrap parts and fit them to anything! all they do is hold cars/vans/bikes then once insurance is done with them they then get sold at auction to recover what the insurance can.. also "some" traders use the place for some dodgy practices to each other Last week a local lady reversed straight back into my parked car, hitting my drivers side area (between the drivers door and the front wheel).
The door panel, wheel arch, and front bumper are dented and scratched, wing mirror destroyed, and the drivers door now clunks in a strange way whenever it shuts. It's not the worst damage in the world, my car is still driveable but it still needs to be sorted.
Obviously she is 100% at fault and has admitted this, thankfully.
I got my local Ford specialist accident centre to get a quote for repair, and it came out around 2.5k. At this point , I realised how severe the damage was , so decided to go through insurance. Upon telling my insurance company verball what happened, they instructed Coparts to collect my car, as it was likely a write off. However they did not confirm it would be written off. They said Coparts would assess my car and it would go from there. Not wanting to be left without my car and then lowballed by insurance for its market value, i asked if I could submit Ford's report and they could use that to confirm if it is a write off, so we could then discuss a price before it's taken away.
They are insisting that Ford's report is uploaded by Ford to Audatex, however when I asked Ford to do this, they said they would "change the price of labour" on the quote to reflect "approved repairer rates". I am now wondering what does this mean, are they trying to reduce their quote so that the insurer choses repair instead of write off? (It would be in my local Ford specialist's interest to lower their quote and get the work?)
The market value of the car (2014 Fiesta ecoboost) is around 4.5k. So I'm assuming for a quote of 2.5k upwards , the insurance would prefer to write it off. I am worried if I go ahead and let Ford upload their report with a much cheaper price, the insurer might instruct repair.
It's in my interests for it to be written off, as it's taken a big shunt and I don't believe it drives the same as it did before. Also its due an expensive wet belt change at the end of the year, and I was wanting to get a new car anyway.
What would my best bet be, to just ring the insurance and tell them to have coparts collect it? Is it in coparts interest to inflate the cost to repair the damage get the car " written off " as they obviously need a steady supply of cars like mine that they can strip and sell? Whereas its in Ford's interest to downplay the price to repair so they get the work? The only worry with coparts is that they might decide its repairable and bodge it on the cheap with scrap parts from the yard.
Thanks, any advice appreciated
discusdave said:
Copart have no interest in your car, everything will be the same regardless ...the original quote was "probably " using spare parts so it can be done cheaper for you.. once insurance gets involved everything MUST be new and at Full labour rates for both ford and copart.....also copart don't remove scrap parts and fit them to anything! all they do is hold cars/vans/bikes then once insurance is done with them they then get sold at auction to recover what the insurance can.. also "some" traders use the place for some dodgy practices to each other
Not true when it comes to insurance using new parts some policy documents now include aftermarket parts and in some cases even used/salvage parts (although worded in a more fancy way...).a naval officer said said:
We will repair your vehicle with parts of a similar standard and quality to the parts being replaced. The parts we use may not be produced or supplied by your vehicle’s manufacturer. They may also be recycled parts.
another insurer said said:
"...may decide to use recycled parts or parts or accessories that are not supplied by the original manufacturer."
another insurer said said:
"Repairs will be arranged with you if
the loss or damage is covered. Our
repairers may use parts or accessories
that haven’t been made by your
car’s manufacturer, or refurbished/
undamaged Green parts but will still
be a similar type and quality. This will
not affect any manufacturer guarantee
or warranty."
the loss or damage is covered. Our
repairers may use parts or accessories
that haven’t been made by your
car’s manufacturer, or refurbished/
undamaged Green parts but will still
be a similar type and quality. This will
not affect any manufacturer guarantee
or warranty."
TheGreyEagle said:
Upon telling my insurance company verball what happened, they instructed Coparts to collect my car, as it was likely a write off. However they did not confirm it would be written off. They said Coparts would assess my car and it would go from there.
Not massively experienced in this - had a car written off a few years ago - but I wasn't aware Copart did anything but collect written off cars and then auction them. I suppose things could have changed though.Our car 'disappeared' once the insurance company approved repairer collected it and next thing I knew it had been written off and Copart had it.. It was annoying as we wanted it repaired (oppositie of you - we'd just paid a for a load of big jobs, inc cambelt and brakes and tyres all round) and we knew someone who offered decent money for it but we couldn't get the car back.
Ninja59 said:
discusdave said:
Copart have no interest in your car, everything will be the same regardless ...the original quote was "probably " using spare parts so it can be done cheaper for you.. once insurance gets involved everything MUST be new and at Full labour rates for both ford and copart.....also copart don't remove scrap parts and fit them to anything! all they do is hold cars/vans/bikes then once insurance is done with them they then get sold at auction to recover what the insurance can.. also "some" traders use the place for some dodgy practices to each other
Not true when it comes to insurance using new parts some policy documents now include aftermarket parts and in some cases even used/salvage parts (although worded in a more fancy way...).This is correct. but rare.
TheGreyEagle said:
Thanks Dave,
I see, so coparts don't really care if they end up with my car or not, as they're only auctioning it off, not using it for parts
That's right they get a payment for the service they provide to the insurance co and a fee from the auction. then a fee from the buyer I see, so coparts don't really care if they end up with my car or not, as they're only auctioning it off, not using it for parts
...there is a breaker part to it all but only cat s and you do it yourself onsite. so the car never leaves the site and then they crush it.
It sounds like you'd rather it was written-off so I hope that works out.
In April someone tapped the back of my 3 Series on a Motorway slip-road. He admitted liability and his insurers contacted me. I took it to their "nominated" repairer for a quote and the next I heard from Hastings was that they considered it to be a Cat N. I disputed their valuation and managed to get a slight increase.
But I really wanted to keep the car as it still drove brilliantly and the only damage was 2 tiny cracks in the rear bumper cover. They let me keep if for 22% of their valuation.
In April someone tapped the back of my 3 Series on a Motorway slip-road. He admitted liability and his insurers contacted me. I took it to their "nominated" repairer for a quote and the next I heard from Hastings was that they considered it to be a Cat N. I disputed their valuation and managed to get a slight increase.
But I really wanted to keep the car as it still drove brilliantly and the only damage was 2 tiny cracks in the rear bumper cover. They let me keep if for 22% of their valuation.
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