Great start to the new year

Discussion in 'Bulletin Board ARCHIVE' started by guinesstyke, Jan 7, 2009.

  1. gui

    guinesstyke New Member

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    Driving to work this morning for my first 9-5 shift of the new year a S Type Jag decided to pull out in front of me on a roundabout due to it driving to fast and being unable to stop not alot left of the front of my little Mini. The garage have just rang me and said that the car is repairable they have also let the insurance company know however it will need a whole new front on it also the front was pushed all the way back to the engine and into the left tyre so there might be more damage as they havent fully checked it out. Can i contest the garages decission to repair it as i dont want the car back if theres any chance theres other damage.

    cheers
     
    guinesstyke, Jan 7, 2009
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  2. Hicksy

    Hicksy Administrator Staff Member Admin

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    Not an insurance expert..but

    Since the garage have a stake in this, i.e. a whopping great repair bill, I wouldn't worry too much at this stage. The insurance company will weigh up what it costs to fix against the value of the car.
     
    Hicksy, Jan 7, 2009
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  3. gui

    guinesstyke New Member

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    cheers mate
     
    guinesstyke, Jan 7, 2009
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  4. gui

    guinesstyke New Member

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    Hopefully i'am sorted now the car has been written off today. The insurance have said its not worth repairing even though the garage think it is.
     
    guinesstyke, Jan 20, 2009
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  5. Euroman

    Euroman Well-Known Member

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    Insurance companies work on a percentage of the cars value.

    I think if the repair bill comes to 75% of the cars value then it is written off.

    The insurance assessor is usually the one who decides.

    The repairer can usually buy the car and do the work for a lot less than their own estimates.

    I think you could call it a rip off.
     
    Euroman, Jan 20, 2009
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  6. Sup

    SuperTyke Well-Known Member

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    Good news

    Well it can be anyway.

    Whatever you do don't accept the insurance companies first offer (unless it is exceptionally good). Get yourself on autotrader now and look for cars of the same age, mileage and condition as yours and make a note of the prices theyre going for, do the same with other websites too and then have a look on the likes of parkers websites to see how much they walue your car at.

    It's good information to have when haggling with your insurance company as the contract that you have with them says they have to get you back into the same position you was in before the accident so they have to give you the money to buy an equal car, if their offer is below what it would cost you to buy the 'same' car again now at the age yours is then they are failing to meet the contract and you can hold out for more.
     
    SuperTyke, Jan 20, 2009
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  7. Sup

    SuperTyke Well-Known Member

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    Im not sure how its a rip off

    It's often better for the car to be written off rather than repaired
     
    SuperTyke, Jan 20, 2009
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  8. Euroman

    Euroman Well-Known Member

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    In 1990 I had a motorcycle accident.

    The bike shop asked me if I wanted the bike back or not, as I was in a lot of pain, the last thought on my mind was to ride a bike again so I told him I didn't want it back.

    His estimate to the insurance company was about £1700.

    He bought back of them it for £400, and he told me it had cost £50 in parts from a breakers to repair it and then within a week it was sold for £1200.
     
    Euroman, Jan 20, 2009
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  9. Sup

    SuperTyke Well-Known Member

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    But he was doing you a favour

    He was trying to help you out, you told him that you wanted the bike writing off so he put the quote to the insurance company high enough that they wrote it off for you and at your choice you got paid out for the full amount of the bike instead. How is that ripping you off?
     
    SuperTyke, Jan 20, 2009
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