55ant
|
| posted on 21/2/10 at 03:17 PM |
|
|
need some advice
hi all, just got back from tesco's drove the land barge down there (2000 mondeo, 1.8, bought it for £600 3 weeks ago.)
someone has reversed into the nearside wing and bumper, dent is a fair size in the wing, say 300x300mm, one big scratch, down to the metal of the
wing, and paint scuffs on the bumper and wing
nice lady left contact details on my windscreen, stating she had company insurance, im goin to call her in a bit, but what would you do? im just a bit
fearfull of tany garage writing it off as although it is as interesting as a ploughed field its got nothing wrong with it and ive grown quite fond of
it.
im guessing if she has company insurance she will have a nice car and be making a claim herself??
away from cars, now cycling and building TT bikes
|
|
|
|
|
tegwin
|
| posted on 21/2/10 at 03:23 PM |
|
|
It is your car.... therefore it is your decision as to wether it is written off or not.. it is NOT the choice of the insurance company!
Her insurance has to return you to the position before the accident either by writing off the car and giving you its value so you can replace it...
Or by paying to fix the car... as you dont want them to write it off... they will have to repair... Assuming the cost of repair is not
massive....which it could be depending on who does the repair!
------------------------------------------------------------------------------------------------------------------------
Would the last person who leaves the country please switch off the lights and close the door!
www.verticalhorizonsmedia.tv
|
|
|
mangogrooveworkshop
|
| posted on 21/2/10 at 04:13 PM |
|
|
Your biggest problem is finding a shed at 600 quid as the scrappage scheme has really skewed the market price of cheeeepy runarounds....
or they could pay you out and buy the shed back for a small amount of money.....
|
|
|
Mark Allanson
|
| posted on 21/2/10 at 04:28 PM |
|
|
quote:
Originally posted by tegwin
It is your car.... therefore it is your decision as to wether it is written off or not.. it is NOT the choice of the insurance company!
Her insurance has to return you to the position before the accident either by writing off the car and giving you its value so you can replace it...
Or by paying to fix the car... as you dont want them to write it off... they will have to repair... Assuming the cost of repair is not
massive....which it could be depending on who does the repair!
Sorry, rightly or wrongly, as soon as a claim is made and an assessor has viewed, the car can be declared a total loss irrespective of your
preferences. What they cannot do is force you to give it up for salvage. If the car is still safe and roadworthy, they cannot make you stop driving it
either.
On the up side, you would get a payout far higher than you could ever sell the car for - they have to give Glass's Guide retail value unless
there are significant bodywork or mechanical reasons for devaluing the car.
If you post up some pictures of the damage, I could value the repair to give you some idea - its what I do for a day job.
If you can keep you head, whilst all others around you are losing theirs, you are not fully aware of the situation
|
|
|
55ant
|
| posted on 21/2/10 at 04:51 PM |
|
|
thanks for advice guys, completely agree about the shed for £600, hard to find really, and i think i have a bit of a gem with this one.
thanks for the valuing offer, here are some pics,
thanks again,
away from cars, now cycling and building TT bikes
|
|
|
Mark Allanson
|
| posted on 21/2/10 at 05:09 PM |
|
|
That's a repair to the bumper, a new wing and a blend to the door, I would say about 14 hours, and £185 paint and materials, new parts are the
wing, wing badge (1.8?), door mould, possibility of a headlamp (mounting brackets are very brittle), lets say £120 for parts.
Labour £420
P&M £ 185
Parts £120
Total £725+vat which would make a cat D if Glass's value is higher.
I would ask the assessor for a cash in lieu payment of £700, saying that if you receive the payment in 7 days you will not engage the services of a
credit hire company.
That should do the trick.
If you can keep you head, whilst all others around you are losing theirs, you are not fully aware of the situation
|
|
|
tegwin
|
| posted on 21/2/10 at 05:10 PM |
|
|
Can you get money from insurance company to fix it yourself? Just curious really...
Could either pop it out or get a wing from a scrappers... only bugger is going to be that metalic paint!
------------------------------------------------------------------------------------------------------------------------
Would the last person who leaves the country please switch off the lights and close the door!
www.verticalhorizonsmedia.tv
|
|
|
omega 24 v6
|
| posted on 21/2/10 at 05:57 PM |
|
|
Mark Allanson advice should do the trick. Afterall her insurance won't want a long argument with you asking for more and more and failing to
settle.
Prob best to get the assesors name/no and talk to him direct.
If it looks wrong it probably is wrong.
|
|
|
55ant
|
| posted on 21/2/10 at 09:23 PM |
|
|
cheers all, ill call her in the mornin, ill let you know what happens
away from cars, now cycling and building TT bikes
|
|
|
