well i had a discussing with a tree tonight while driving home from colchester, essex.
whilst approaching a right hand corner, i was braking for the corner, was doing about 20mph, i then hit some black ice which resulting in sending me a nice staight line towards the said tree.
i did manage to steer to the right a bit, so instead of hitting it head on, it hit the headlight area.
looks like i will be contacting my insurance company in the morning to see what they can do about it.
things that need replacing are:
headlight complete with lens,
front fog light
front bumper
indacator
front grill
things that could be knocked back out,
bonnet (where it meets the wing)
wing (thats got a kink init)
dom [:(][xx(]
xantia & tree!!
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shaunthesheep
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DarkendViper
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shaunthesheep
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Homer
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Volvo V60 D4 180
Previous:
BX16RS (two of),
BX19TZI,
Xantia 2.0i saloon,
Xantia 2.0 Exclusive CT turbo Break,
Peugeot 807 2.0 HDi 110,
Renault Grand Scenic, 2.0 diesel (150bhp)
C5 X7 2.0 HDi 160 which put me off French cars possibly forever - x 16
headlight complete with lens, - Get one from a scrappers.
front fog light - live without it.
front bumper - Duct tape.
indicator - Scrappers again.
front grille - depends just how bad but it's only cosmetic anyway.
Straighten the rest as best you can then run it 'till something major drops off. Not eally worth involving your insurance company unless your no-claims is also insured and you don't have to pay any excess. Otherwise you'll still have to pay the excess (usually £100 but could be up to £250, maybe more) and your premium will go up by £££.
front fog light - live without it.
front bumper - Duct tape.
indicator - Scrappers again.
front grille - depends just how bad but it's only cosmetic anyway.
Straighten the rest as best you can then run it 'till something major drops off. Not eally worth involving your insurance company unless your no-claims is also insured and you don't have to pay any excess. Otherwise you'll still have to pay the excess (usually £100 but could be up to £250, maybe more) and your premium will go up by £££.
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shaunthesheep
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luckly enough my no claims is insured (phew), i contacted my local scrap yards this morning, but they havent got some of the parts i need, i did speak to gsf, some of the parts wont be back in stock until the first week in feb.
so it looks like i will have to contact my insurance company to get this sorted out + i dont want to be without a car being as i live in ipswich & work in colchester, ive checked the prices of trains & they want £10 per day for a return for a twenty minute jounary!!, so its looks like i will an insurance job.
dom
so it looks like i will have to contact my insurance company to get this sorted out + i dont want to be without a car being as i live in ipswich & work in colchester, ive checked the prices of trains & they want £10 per day for a return for a twenty minute jounary!!, so its looks like i will an insurance job.
dom
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shaunthesheep
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Don't be silly, where do you think the insurance body shop will get the parts from, the don't keep a stock pile you know !!!
Try contacting the various people on here dismantling thier motors, Dave Timms as an example.
Or wait for a week, and you can have my TD ( T&T ) for £250, need some ( simple ) work doing to it, but it runs.
Try contacting the various people on here dismantling thier motors, Dave Timms as an example.
Or wait for a week, and you can have my TD ( T&T ) for £250, need some ( simple ) work doing to it, but it runs.
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Homer
- Posts: 1503
- Joined: 26 Feb 2003, 10:52
- Location: Yorkshire
- My Cars: Current:
Volvo V60 D4 180
Previous:
BX16RS (two of),
BX19TZI,
Xantia 2.0i saloon,
Xantia 2.0 Exclusive CT turbo Break,
Peugeot 807 2.0 HDi 110,
Renault Grand Scenic, 2.0 diesel (150bhp)
C5 X7 2.0 HDi 160 which put me off French cars possibly forever - x 16
<blockquote id="quote"><font size="1" face="Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote"><i>Originally posted by shaunthesheep</i>
luckly enough my no claims is insured (phew), <hr height="1" noshade id="quote"></blockquote id="quote"></font id="quote">
From your description of the damage and the probable value of the car it's gonna be a write-off.
Here's how it works then. They will pay you what <b>they think</b> the car was worth an instant before it hit the tree (regardless of what you told them it was worth) and they will base the value on <b>auction prices</b>. They will then knock off your excess so if you have a £100 excess and the car was worth £400 they will give you £300. You can opt to keep the car, in which case they will knock off what they think the scrap value is, which they will overestimate (badly).
Then when it comes to renewing your insurance you'll have a 'fault' accident against your name so they'll bump up the premium, they'll continue to count it for the next five years. So even if it only adds £50 that's £250 over the five years.
In the long run you'll be out of pocket, in the short run you'll have them dragging their heels over paying out (from experience it will be weeks, if not months) so you'll either have to dig in your pocket for a new car or manage without in the meantime. And when they do get round to posting you a cheque you'll still have to go out and find a replacement car or repair the one you've got.
If it was a diesel it might have been worthwhile but the 1.6 petrol wasn't exactly popular when it was new.
luckly enough my no claims is insured (phew), <hr height="1" noshade id="quote"></blockquote id="quote"></font id="quote">
From your description of the damage and the probable value of the car it's gonna be a write-off.
Here's how it works then. They will pay you what <b>they think</b> the car was worth an instant before it hit the tree (regardless of what you told them it was worth) and they will base the value on <b>auction prices</b>. They will then knock off your excess so if you have a £100 excess and the car was worth £400 they will give you £300. You can opt to keep the car, in which case they will knock off what they think the scrap value is, which they will overestimate (badly).
Then when it comes to renewing your insurance you'll have a 'fault' accident against your name so they'll bump up the premium, they'll continue to count it for the next five years. So even if it only adds £50 that's £250 over the five years.
In the long run you'll be out of pocket, in the short run you'll have them dragging their heels over paying out (from experience it will be weeks, if not months) so you'll either have to dig in your pocket for a new car or manage without in the meantime. And when they do get round to posting you a cheque you'll still have to go out and find a replacement car or repair the one you've got.
If it was a diesel it might have been worthwhile but the 1.6 petrol wasn't exactly popular when it was new.
You'll then have the problem of getting a written off car officially roadworthy - I believe this involves a new MoT (can anyone confirm?) If the damage isn't too bad it'll be quicker and cheaper to DIY. Many scrapyard groups run web sites that allow you to specify what you need and the individual yards then e-mail or phone you back with their quotes. You can then pick and choose and buy by card for delivery by post. Try this first and you can cost both options.
Hi,
First I would concur with evrybody on taping it up checking it over and carrying on. I did that and you can get away legally with quite a lot. Duct tape is the best thing in the world as far as this is concerned and if you've got lense problems clear non yellowing waterproof tape. You can pass an MOT with these strapped on your lenses carbody etc;
If you have a minor incursion with another car a tree, bush or wall don't just drive away and look at the damage when you get home. I lost one of the sidelight lenses when I scraped a bush leaving Tescos' carpark. I went back picked up the smashed bits superglued them together, used clear tape to cover the whole thing including hole where bits were missing and restuck the whole thing to the body of the sidelight. It was only stuck on with mastic in the first place. and that repair passed the MOT Cost of a new lense £23.75 - £37.50 latter if you go to main dealer.
It is very hard to get money from insurance companies, in part because they are guarding our interests by not giving out too much and keep policies cheaper - mainly because they have to make profits for their shareholders -everyone wants cheaper insurance and they still want to be paid top pounds when they crash and best medcal treatment etc;
The following happened to me last year and I am basing this advice on my experience of being hit twice in one year when parked once by a person who admitted it and once by a twoc'er who the police took no proceedings against due to lack of evidence.
To protect yourself and gest the best possible return for your accident if you decide to claim.
Even if (some might say particularly if) you have a broker report the accident using the claim line and get the claim form from the company while also reporting the incident to your broker afterwards and telling the broker that you have reported it on the claim line. The significance of this is that immediately you tell the broker he will swing into action using his preferred contacts to deal with your accident. i.e he will be creating business for himself and local repair shops replacement car insurance and all that. But he may not report the accident per se but just send in a notification of an accident. You may feel he is doing you a great service deal etc but it may rebound on you later. For instance just 1day before my car was due to go into the brokers preferred workshop I was hit by the dastardly twoc'er. I told my broker and he said that the repair was cancelled because the repair had taken it over the value of the car. After that the insurance company kept referring to the last accident I had until July when I rang them questioning the dates. Oh they said we don't know anything about another accident! After an hour and a half of wrangling I had to report the accdent that I had the previous April to get a CLAIM NUMBER do get you Claim NUMBER yourself straight away!
Wait until you get the engineers decision on the payout. In my case the engineer rang me after not keeping the appointment we had agreed and told me the worst that he had looked at it and that it was i.e right -off but the value was very bad. At first for a few hours I sulked got angry sulked then I thought well I have legal insurance with my broker, but I thought they'll just support the insurers/brokers. Not a bit the Solicitor said that they were always pulling this stunt and she was sick of it. I told her the car was 2nd owner with full service history and that my independent Citroen mechanic (IMIMI) had said that they aught to have given me a decent amount for it.
She said write to them telling them it has a CFSH and send them a letter from the Mechanic on his letterhead paper.
I looked up the insurance company on the web and found a list of their directors. I wrote to the director of private car insurance. I said that I was returning their cheque. This is important don't cash any cheques until you have finalised a satisfactory deal.
I said they had misassessed the value and I was unhappy that my mechanic who is a qualified IMIMI has valued the car in his opinion at **** and I am not accepting your decision. To cut it short eventually it was sorted and I got 3 times what they had previously offered the car as scrap for which they deducted £70 and no right off. However the aggravation this caused was tremendous and I don't recommend it for your health or sanity.
With regard to right offs Cat A-C requires a Vehicle indentity Check (VIC ) current price is 26.50 or £34.00 for an out of hrs appointment http://www.via.gov.uk/about_us/contact_ ... _sheet.pdf
gives the details in pdf format if you've got an Adobe reader installed.
By the Buy (pun intended) resist the temptation to buy parts unseen from web ring scrap dealers (er sorry second hand parts suppliers) they're good with the bubblewrap but what's inside uugh!!! I know I've been had and it's a sad/bad experience. They try and send you the most of the dirt from their yard smothered on the parts also Stands to reason I suppose if I had thought about it duuh!
First I would concur with evrybody on taping it up checking it over and carrying on. I did that and you can get away legally with quite a lot. Duct tape is the best thing in the world as far as this is concerned and if you've got lense problems clear non yellowing waterproof tape. You can pass an MOT with these strapped on your lenses carbody etc;
If you have a minor incursion with another car a tree, bush or wall don't just drive away and look at the damage when you get home. I lost one of the sidelight lenses when I scraped a bush leaving Tescos' carpark. I went back picked up the smashed bits superglued them together, used clear tape to cover the whole thing including hole where bits were missing and restuck the whole thing to the body of the sidelight. It was only stuck on with mastic in the first place. and that repair passed the MOT Cost of a new lense £23.75 - £37.50 latter if you go to main dealer.
It is very hard to get money from insurance companies, in part because they are guarding our interests by not giving out too much and keep policies cheaper - mainly because they have to make profits for their shareholders -everyone wants cheaper insurance and they still want to be paid top pounds when they crash and best medcal treatment etc;
The following happened to me last year and I am basing this advice on my experience of being hit twice in one year when parked once by a person who admitted it and once by a twoc'er who the police took no proceedings against due to lack of evidence.
To protect yourself and gest the best possible return for your accident if you decide to claim.
Even if (some might say particularly if) you have a broker report the accident using the claim line and get the claim form from the company while also reporting the incident to your broker afterwards and telling the broker that you have reported it on the claim line. The significance of this is that immediately you tell the broker he will swing into action using his preferred contacts to deal with your accident. i.e he will be creating business for himself and local repair shops replacement car insurance and all that. But he may not report the accident per se but just send in a notification of an accident. You may feel he is doing you a great service deal etc but it may rebound on you later. For instance just 1day before my car was due to go into the brokers preferred workshop I was hit by the dastardly twoc'er. I told my broker and he said that the repair was cancelled because the repair had taken it over the value of the car. After that the insurance company kept referring to the last accident I had until July when I rang them questioning the dates. Oh they said we don't know anything about another accident! After an hour and a half of wrangling I had to report the accdent that I had the previous April to get a CLAIM NUMBER do get you Claim NUMBER yourself straight away!
Wait until you get the engineers decision on the payout. In my case the engineer rang me after not keeping the appointment we had agreed and told me the worst that he had looked at it and that it was i.e right -off but the value was very bad. At first for a few hours I sulked got angry sulked then I thought well I have legal insurance with my broker, but I thought they'll just support the insurers/brokers. Not a bit the Solicitor said that they were always pulling this stunt and she was sick of it. I told her the car was 2nd owner with full service history and that my independent Citroen mechanic (IMIMI) had said that they aught to have given me a decent amount for it.
She said write to them telling them it has a CFSH and send them a letter from the Mechanic on his letterhead paper.
I looked up the insurance company on the web and found a list of their directors. I wrote to the director of private car insurance. I said that I was returning their cheque. This is important don't cash any cheques until you have finalised a satisfactory deal.
I said they had misassessed the value and I was unhappy that my mechanic who is a qualified IMIMI has valued the car in his opinion at **** and I am not accepting your decision. To cut it short eventually it was sorted and I got 3 times what they had previously offered the car as scrap for which they deducted £70 and no right off. However the aggravation this caused was tremendous and I don't recommend it for your health or sanity.
With regard to right offs Cat A-C requires a Vehicle indentity Check (VIC ) current price is 26.50 or £34.00 for an out of hrs appointment http://www.via.gov.uk/about_us/contact_ ... _sheet.pdf
gives the details in pdf format if you've got an Adobe reader installed.
By the Buy (pun intended) resist the temptation to buy parts unseen from web ring scrap dealers (er sorry second hand parts suppliers) they're good with the bubblewrap but what's inside uugh!!! I know I've been had and it's a sad/bad experience. They try and send you the most of the dirt from their yard smothered on the parts also Stands to reason I suppose if I had thought about it duuh!
-
shaunthesheep
- Posts: 364
- Joined: 16 Jul 2002, 14:42
- Location: United Kingdom
- My Cars:
well just to give you an update.
car was taken to an approved repairiers, insurance enginer acessed it, then left me a message at home saying that the car is "beyond econicmicly repair", so this will be classed as a total loss.
i've heard people say that i should refuse their first offer? can anyone confirm this? or should i take their first offer?
dom
car was taken to an approved repairiers, insurance enginer acessed it, then left me a message at home saying that the car is "beyond econicmicly repair", so this will be classed as a total loss.
i've heard people say that i should refuse their first offer? can anyone confirm this? or should i take their first offer?
dom