V6 Xantia......... the beginning of another adventure

[DHallworth]

Mike,

The insurance company add the cost of the repair, along with the cost of the hire car etc. to make the total claim amount. It's not just the cost of the repairs that are factored into whether or not the car is repaired. I've got a friend who works for a car insurance company in Glasgow (they have little red phones running around on the adverts) who has told me this before.

David.

[Northern_Mike]

It's not I'm afraid. I don't feel the need to disclose my sources but that's not the way it's done. I'm 100% sure of it.

I'm actually so surprised at the mentality of some people on here with regards to insurance, accidents and claims that I'm out of here. Complete and utter hypocrisy.

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[daviemck2006]

I got paid 850 for a knackered old 106d that a car hit in the snow. The guys insurance phoned me the day after the bump and paid it into my bank there and then. It had a bent wing and broken door mirror. I had paid 300 for it 6 months previously. I got a wing and mirror in the same colour from the scrappy for 30 put them on and flogged it for 300. I said to the insurance guy if I refuse this it will cost you more. He said yes before they collected it, got an assessor to look at it, storage, a hire car probably about 3 weeks it could easily be over 2 grand. He had offered 400 at this point and I asked for a grand. So I was better off but the insurance company saved a fortune

[KP]

But assuming that is a wrong. When the cost of the repair is over about 60% they write them off as those incidentals are a COST of the repair. And what they tend to find is as they strip them down the cost goes up as other things are found to need doing so on a cost benefit basis it's quicker for them to get shut of the thing as when the process drags out it costs more in storage fees, time of people involved... I've been through the process enough times to have found out how it works and has changed over the years hence more and more cars getting written off as its just cheaper in the grand scheme of things

[Trainman]

The insurance assessor has been out today, purely by chance he was in the area, so asked if he could come. He has said in his opinion it will be a write off purely due to the lack of available New parts, and to be honest I agree.

He has said that he will be recommending it gets Class C status, which is good news, because I may yet be able to save her, I'm going over to my buddy with the body shop tomorrow, to see what he says before making a final decision.

[Mandrake]

Class C ?

Is it still moving under its own power or is the guard wedged against the wheel ?

[Trainman]

Rear bumper is touching the tyre, Simon, the only way to move it is in 'Mid High'

[KP]

That's semi good news at least. Is it just the arch liner or the bumper touching the wheel as there are only a few clips to get the arch liner out

[Trainman]

Mr W I'll keep my finders crossed for you and the Xantia
(

Hmmm wonder what they are..... Anyway......

I got a call the the third party insurer last night, asking me if there was anything they could? They told me their client had been in touch and accepted full liability fair play to him for that. They did make me chuckle when they offered to get me a like for like car

They also offered to have the car removed and put into storage (nice try......) which I duly declined. So at the moment, she will be a write off and depending on the cost of salvaging her, thats the plan

However, subject to the offer, I've decided that I don't want to keep her anymore, so I have two options, first, punt her on as a project, two, break her and salvage as much as possible. Which, what I'm leaning towards. Having said that, if I get offered the cost of salvage, then the whole car can go as it is.

So with that in mind, those of you that want bits, start building you list, and I'll keep you appraised as we go along......

[CitroJim]

I think Team WFA may have a discussion on this Steve...

A couple of questions. Do the rear doors open and shut normally and does the tailgate do likewise?

[Trainman]

Doors yes, boot floor has a bulge, but the boot shuts with a slam.

[CitroJim]

That, on the face of it, suggests she might be repairable Steve...

[KP]

I'll be first to chuck my hat in the ring at buying her off you in one go Mr W

Hopefully the 3rd party will see sense though as I have a feeling the value you'll be given is going to be a bit of a shock at which point I'd still opt to have them fully return her to the road

[Trainman]

That, on the face of it, suggests she might be repairable Steve...

According to the engineer, she would be, I was supposed to take her to a buddy with a body shop today, but the Peugeot need my attention more. I can give you a ring if you to have a chat about it later.

Will, I'll bear that in mind, once I've spoken to Jim....

[KP]

No worries Mr W you know me, I'll be over as soon as your ready and don't forget that tax you get back to

If all the bits still open I'd still be inclined to think as the parts are available and they won't be able to find another in the country even close (give me a call on this and I'll help you with this bit too ) then they will be stuck and the cost of repair(no courtesy car or such like helps) will be leaning them into the repair of it at your chosen bodyshopper