Seat Ibiza FR 1.9TDi
Discussion
Hi
I have been advised by an engineer of my insurance company that my 05 plate Ibiza FR is more than likely going to be written off. To cut a long story short, I hit an unlit traffic island last week when avoiding parked cars which damaged the sump and the two driver side wheels. I have witnesses saying I wasn't speeding (wouldn't have been doing any more than 25 in a 30) and the police confirmed I was not under the influence of alcohol. I also stopped the car immediately after hitting the island and turned the engine off. This guy claims that the car may need a new engine, but was unwilling to give a definate answer. Is there any way of testing the engine to see if it is completely gone or should I just take his word for it? Basically I don't want to have my car written off based on 'his opinion'. He also had no breakdown or costing of the damage to show me.
He rang me at 8.30 monday morning to advise that my car isn't repairable, so to me, he has not spent very much time looking at the damage, and when I questioned him as to how much the repairs would cost, he was evasive of the question and was unwilling to give me an answer. But he did let slip that he had already agreed a price with a salvage company who were willing to pay £1800 for my car. Do you think this guy is pulling a fast one? I want to fight for my car to be repaired as there is no other car I want, I have worked hard to buy the car and keep my payments as low as possible.
Also, there has apparently been at least another if not two crashes at the same sight in the fortnight leading up to my accident. Do you think I could pursue the council for neglect of repairs?
Any help appreciated.
Chris
I have been advised by an engineer of my insurance company that my 05 plate Ibiza FR is more than likely going to be written off. To cut a long story short, I hit an unlit traffic island last week when avoiding parked cars which damaged the sump and the two driver side wheels. I have witnesses saying I wasn't speeding (wouldn't have been doing any more than 25 in a 30) and the police confirmed I was not under the influence of alcohol. I also stopped the car immediately after hitting the island and turned the engine off. This guy claims that the car may need a new engine, but was unwilling to give a definate answer. Is there any way of testing the engine to see if it is completely gone or should I just take his word for it? Basically I don't want to have my car written off based on 'his opinion'. He also had no breakdown or costing of the damage to show me.
He rang me at 8.30 monday morning to advise that my car isn't repairable, so to me, he has not spent very much time looking at the damage, and when I questioned him as to how much the repairs would cost, he was evasive of the question and was unwilling to give me an answer. But he did let slip that he had already agreed a price with a salvage company who were willing to pay £1800 for my car. Do you think this guy is pulling a fast one? I want to fight for my car to be repaired as there is no other car I want, I have worked hard to buy the car and keep my payments as low as possible.
Also, there has apparently been at least another if not two crashes at the same sight in the fortnight leading up to my accident. Do you think I could pursue the council for neglect of repairs?
Any help appreciated.
Chris
I can work out what the car is worth easily enough but without knowing exactly what damage has been caused it's difficult to say whether they're right.
If the inspectors eye have been pushed back in the arch even to a small degree (damaged wheels usually means suspension damage) then it is not worth their time to repair it.
The repairer will replace what they can see, then they'll try and track it up and find something else that's bent. Get it authorised by the insurer then replace that then get the tracking about right then you'll take it away, it won't be straight, you'll complain to the insurer they'll change something else and get the tracking slightly better...
It's a lot of toing and froing for the insurer who has probably deemed that writing it off will be easier and cheaper in the long run.
If the inspectors eye have been pushed back in the arch even to a small degree (damaged wheels usually means suspension damage) then it is not worth their time to repair it.
The repairer will replace what they can see, then they'll try and track it up and find something else that's bent. Get it authorised by the insurer then replace that then get the tracking about right then you'll take it away, it won't be straight, you'll complain to the insurer they'll change something else and get the tracking slightly better...
It's a lot of toing and froing for the insurer who has probably deemed that writing it off will be easier and cheaper in the long run.
Used to work in an insurance claims centre.
Engineers for insurance companies usually have many years experience and see cars damaged in many different ways. I would go on what he says but keep in mind do you want a car back that has possibly had chassis, suspension and engine damage back?
Take the money... get the same car
Engineers for insurance companies usually have many years experience and see cars damaged in many different ways. I would go on what he says but keep in mind do you want a car back that has possibly had chassis, suspension and engine damage back?
Take the money... get the same car
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