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Hi guys need some advice , I was driving home monday night about 5.30 from work when an older (gent) decided to drive into me and damage my immaculate 309 xld 2 door with 43,000 miles on it, I love my car. So the guy said that he couldn,t see me as his window haddened defrosted properly, so the up shot is he has accepted responsability for the accident. The damage is drivers door and slight damage to the wing. His insurance company have been in touch and said no problem get some quotes, but I think they,ll try and get it written off,  I don,t want this to happen and don,t want it to be cat c or anything like that. Realisticly whats the best thing for me to do . Had 3 quotes and there about 1200 pounds to fix. Will they offer me a cash settlement or am I getting this wrong.? Advice needed please. Oh theres only 3 of these registered on the road. Any help would be great. |
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andyborris
Posted a lot
Freedom is just another word for nothing left to lose.
Posts: 2,165
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squonk
Part of things
Posts: 858
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It all depends on the insurance company. Some will allow a buy back, some won't. I am currenly going through exactly the same process with my daughters car following a rear end shunt. Her insurance company have offered a full value payout less £201 salvage value. As far as it being a Cat C, you probably cannot escape from this. Once a claim has been paid on a car it is on the insurance database and will be recorded as a total loss claim. I have also been informed by the insurers that before it can be taxed again it may require a VIC check but further research has shown that this is no longer necessary for a Cat C vehicle. ( www.trents.co.uk/VIC-scheme-abolished ) The only way to avoid the Cat C clasification is not to make the claim. I considered this myself as the damage is rather minor but as the insurers offered more for the car than I paid for it I considered that effectively a Cat C car for free would be a better bet than a repair at my own cost on a car that has already cost me money to buy. The only people who can effectively answer this question properly are your own insurers. |
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2004 Chevrolet Avalanche Z71
2005 Mercedes CLK320 Cabriolet
1996 Mercedes C180 Elegance Auto Saloon
1996 Rover 620Ti (Dead fuel pump)
1992 Toyota HiLux Surf
1987 Range Rover Vogue (Rusty)
1992 Range Rover Vogue SE (More Rusty)
2006 Chrysler Grand Voyager
2008 Corsa 1.4 Design
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If he accepts liability and you can deal direct with his insurers then they shouldn't be able to take your car or put a marker on it if it's just a financial loss.
Do not let them take your car for assessment, once you loose possession your bargaining ground is much more difficult. They should pay full vehicle value less agreed salvage price.
I had a similar non fault claim last year and it took about 3 months to resolve, but I got cash in lieu of repair. Reality is for the insurance company to do a repair they need to use new OEM quality parts, likely some parts you need are unavailable new or expensive, labour is not cheap either, so costs escalate quickly.
Having a courtesy car can also mean they force you to settle for total loss because costs mount rapidly, in my case I didn't have one as I made the car drivable, this helped my bargaining position when it cane to settlement values.
Stand your ground and be prepared to spend many hours dealing with it though.
Brian
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squonk
Part of things
Posts: 858
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If he accepts liability and you can deal direct with his insurers then they shouldn't be able to take your car or put a marker on it if it's just a financial loss. It is becoming increasingly rare to be able to do this. It is something that I tried to do with my daughters claim but the third party's insurer would only deal with her insurer. Presumably this is to ensure that her car was insured. If it wasn't they would probably contest the claim on the grounds that the car shouldn't have been on the road in the first place so would not have been involved in the accident. Do not let them take your car for assessment, once you loose possession your bargaining ground is much more difficult. They should pay full vehicle value less agreed salvage price. Most insurers will be able to put you in contact with a local authorised garage that you can take the car to yourself for assessment. Some will even send an assessor to your home to carry out an inspection. Usually the car is only taken away if it is no longer roadworthy and cannot be driven. Insurers are reluctant to take cars to garages because as soon as it is left at the garage it incurs storage costs which they may become liable for. You have no automatic right to buy the car back directly from the insurer as once the claim is settled the car becomes their property to do as they wish with. A huge number of insurance right offs are auctioned through Copart. |
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2004 Chevrolet Avalanche Z71
2005 Mercedes CLK320 Cabriolet
1996 Mercedes C180 Elegance Auto Saloon
1996 Rover 620Ti (Dead fuel pump)
1992 Toyota HiLux Surf
1987 Range Rover Vogue (Rusty)
1992 Range Rover Vogue SE (More Rusty)
2006 Chrysler Grand Voyager
2008 Corsa 1.4 Design
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When I had a bump in my saph in June, I told the insurer's I wouldn't accept a total loss and that my car will be repaired at the place of my choice, when speaking to them, priced up the work at my mates bodyshop sent the quote along with pre accident photos to show the condition of my car and they accepted, as said don't let your car out of your sight, if an engineer is to see it demand they come to you, remember most of these guys have no clue so you can explain it's rarity etc
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Hi there thanks for that info the won,t be leaving unless I'm with it
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MrSpeedy
East Midlands
www.vintagediesels.co.uk
Posts: 4,786 
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It all depends on the insurance company. Some will allow a buy back, some won't. Errrr, no! Until full and final payment has been agreed and received, the car still remains your property. 'They' have no say in it whatsoever as to whether or not you keep the car. A point far too many seem to forget. The ONLY exceptions to this are if the vehicle is structurally damaged beyond repair, burnt out, or involved in a fatality. |
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squonk
Part of things
Posts: 858
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It all depends on the insurance company. Some will allow a buy back, some won't. Errrr, no! Until full and final payment has been agreed and received, the car still remains your property. 'They' have no say in it whatsoever as to whether or not you keep the car. A point far too many seem to forget. The ONLY exceptions to this are if the vehicle is structurally damaged beyond repair, burnt out, or involved in a fatality. Errr... isn't that pretty much what I said? You have no automatic right to buy the car back directly from the insurer as once the claim is settled the car becomes their property to do as they wish withBut..... some will put an unrealistic buy back value on the car anyway making non-viable. Others will just offer it as scrap value, something that happened to me twice with the same car!! |
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Last Edit: Dec 5, 2015 10:19:04 GMT by squonk
2004 Chevrolet Avalanche Z71
2005 Mercedes CLK320 Cabriolet
1996 Mercedes C180 Elegance Auto Saloon
1996 Rover 620Ti (Dead fuel pump)
1992 Toyota HiLux Surf
1987 Range Rover Vogue (Rusty)
1992 Range Rover Vogue SE (More Rusty)
2006 Chrysler Grand Voyager
2008 Corsa 1.4 Design
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I don,t want this to happen and don,t want it to be cat c or anything like that. Realisticly whats the best thing for me to do . Had 3 quotes and there about 1200 pounds to fix. Will they offer me a cash settlement or am I getting this wrong.? Advice needed please. Oh theres only 3 of these registered on the road. Any help would be great.
