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y2000 ashtray write off Q
theconrodkid - 16/2/09 at 05:54 PM

friend,s daughter got into her car and started the engine,unfortunately it was in gear and head butted the house wall,only damage showing was a small crack in front bumper.
as she has protected no claims she informed ins co and took car in for estimate.
garage says that the rad mounting panel has moved and the car is a write off and they wont allow her to buy the salvage.
off to have a look on wednesday,i,m not a body work kind of person so is there anything about the ashtray that would cause it to be written off so easily,i think the garage are trying to pull a fast one.

dogwood - 16/2/09 at 05:59 PM

I don't think it's for the garage to say you cant buy it back.

Take it to another garage..




David

theconrodkid - 16/2/09 at 06:00 PM

sorry,ins co says she cant buy it back

clairetoo - 16/2/09 at 06:01 PM

Sounds like a con to me - when did things change so that the garage decided weather you could buy the salvage ? Sounds like they are in bed with the assessor , and have allready arranged to buy the `salvage` ..................

edit..........too slow

[Edited on 16/2/09 by clairetoo]

theconrodkid - 16/2/09 at 06:07 PM

pink lightweight?how did i know that would be you?

dogwood - 16/2/09 at 06:15 PM

If it's the insurance co thay say you can't buy it back then I think you are stuffed.

Normally it depends on the type of write off
C or D I think it is ( No expert)
One you can buy back the other you can't


david

theconrodkid - 16/2/09 at 06:20 PM

for a minor dig,what are they made of cardboard?

Meeerrrk - 16/2/09 at 06:20 PM

i used to work in the insurance trade, and know a couple who still do. its becoming harder and harder to buy cars back off insurance companys because they have contracts with breakers to take them as job lots. Also the government dont want "old" cars which have been written off back on the road, so they make it harder for the general public to do so

Peteff - 16/2/09 at 06:34 PM

We've just put a cat c Y reg corsa c back on the road no problem with the government. As long as it has a VIC check it's no problem but as mentioned the insurance may have a nice little earner going with a salvage yard and want to sweeten them with a few easy repairs

NigeEss - 16/2/09 at 07:00 PM

quote:
Originally posted by theconrodkid
pink lightweight?how did i know that would be you?


That's a serious hijack

MikeRJ - 16/2/09 at 07:21 PM

If it's an easy fix then simply don't continue with the claim and the car remains her property.

The front cross-member (presumably the part the rad sits on) could be pulled straight using a handy lamp post

Simon - 16/2/09 at 07:32 PM

^^I agree, but I used a tree, same one that damaged me car

ATB

Simon

clairetoo - 16/2/09 at 08:06 PM

quote:
Originally posted by NigeEss
quote:
Originally posted by theconrodkid
pink lightweight?how did i know that would be you?


That's a serious hijack

Nah...........this might be though
Image deleted by owner

You've been PINKED

[Edited on 16/2/09 by clairetoo]

Meeerrrk - 16/2/09 at 08:39 PM

quote:
Originally posted by MikeRJ
If it's an easy fix then simply don't continue with the claim and the car remains her property.

The front cross-member (presumably the part the rad sits on) could be pulled straight using a handy lamp post

agreed, although a bolt on replacement may be better if they are bolt on that is

iank - 17/2/09 at 05:54 AM

quote:
Originally posted by Meeerrrk
quote:
Originally posted by MikeRJ
If it's an easy fix then simply don't continue with the claim and the car remains her property.

The front cross-member (presumably the part the rad sits on) could be pulled straight using a handy lamp post

agreed, although a bolt on replacement may be better if they are bolt on that is


Doubt that will help, sounds like the crumple zones each side that the cross member is bolted/welded to has done it's job and crumpled - you're not 'supposed' to pull them out so the car is usually written off as it's a lot of work to replace.

See http://www.locostbuilders.co.uk/viewthread.php?tid=94541

Buying back salvage has never been a right unless it's written into the policy, question is have the insurance company informed the DVLA that it's written off - if they have abandoning the claim is too late to avoid a VIC check.

[Edited on 17/2/09 by iank]

MikeRJ - 17/2/09 at 06:09 AM

quote:
Originally posted by iank

Doubt that will help, sounds like the crumple zones each side that the cross member is bolted/welded to has done it's job and crumpled - you're not 'supposed' to pull them out so the car is usually written off as it's a lot of work to replace.


If that's the case then fair enough, though you can usually buy replacement chassis legs that contain the collapsible part to weld in, not exactly a small job though.

theconrodkid - 17/2/09 at 07:30 AM

cheers for the input peeps,the point i am trying to get over is,if you kiss the wall the car is a write off?shirley that cant be right,they cant be that weak,it was in gear and at starter motor speed

mr henderson - 17/2/09 at 07:54 AM

Seems to me this is how it would work-

Garage gives the insurance co a price =A

Insurance co compares the price with what they would have to pay out if they wrote it off =B
If A is greater than B, then write off. WHy sell back to owner? Put it in the salvage auction and get the best possible price. You could bid too if you know where it gets auctioned

John

theconrodkid - 18/2/09 at 03:27 PM

had a look at the car,it hit the door frame of the house,they wanted a new bumper,rad,fan,a/c condenser,mounting panel,headlight etc.
after explaining to the man in the suit that it didnt need all the other bits as they were only scratches and pulling the mounting panel out with my bare hands,the are going to revise the estimate and repair it.
the place was stuffed with porker,s rari,s and massers.....v nice