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Is this likely to be fixed or written off?

Dave364
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Dave364 Collaborator

Dave364

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On my way home tonight someone pulled out on me so I now have a fair bit of damage to my car, the lady held her hands up and her insurance company is taking full responsibility. I am wondering if this is likely to be repaired, there's damage to the wing, headlight, bumper and bonnet that I can see. Cars getting picked up tomorrow but just wondering if anyone has had similar damage. Cars a 56 plate Vrs tdi with just under 100k miles

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labman1001 Rising Star

labman1001

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It's honestly hard to say with insurance but at a guess I'd say it's likely to written off as beyond economical repair ... At main body shop prices there will be a few thousands pounds worth of damage there for a car worth maybe £3,000

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silver1011 Veteran

silver1011

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Has the wheel taken any impact?

 

Is there definitely damage to the bonnet?

 

Assuming it is headlight, slam panel, wing, bumper and lower grill, fog light, wheel arch liner and associated fixings then I'd say you might well avoid a write-off.

 

What do you want, it fixing or writing off? Assuming the car is in good nick then do you think you could find another one for the amount the insurance company pays out?

 

If they do write it off ask to buy it back, have the work done a local trusted bodyshop for half the price that wrote it off and keep the car on the road.

Edited by silver1011
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Dave364 Collaborator

Dave364

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No wheel impact, it's just a bit of damage to the bonnet at the side of the grill, a bit creased so don't know if that would be fixed or need replacing?

I like the car so would like to keep it but if it's written off I would put extra cash towards a newer car. Only thing is I am in the process of selling my house and trying to find a new house so could do without the hassle right now. Would ask about buying it back if it comes to it, could work out ok.

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useyourname Contributor

useyourname

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On my way home tonight someone pulled out on me so I now have a fair bit of damage to my car, the lady held her hands up and her insurance company is taking full responsibility. I am wondering if this is likely to be repaired, there's damage to the wing, headlight, bumper and bonnet that I can see. Cars getting picked up tomorrow but just wondering if anyone has had similar damage. Cars a 56 plate Vrs tdi with just under 100k miles

 

Gutted for you...

The wheels look good :thumbup:

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grldtnr Enthusiast

grldtnr

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My lowly ambient,same year as yours,with less milage, was' modified' by a bus whilst parked,front wing,door,mirror, and a scrape down the side repaired back on the road ,2 yrs ago.

I'd say fair chance that they will fix it.

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octyal Proficient

octyal

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As the other party has admitted liability, then you are well within your rights to have the vehicle repaired - irrespective of cost involved - as it is her company that is footing the bill. Fight your corner (if you want to of course) to get the car back - if you are happy with accepting that it is going to be written off, then take the money and buy another one - however, make sure you get some idea as to what the current saleable value would be, not the trade price in the likes of Glass's guide, as that will be peanuts, the actual replacement cost of the same spec and age car, and fight for that amount.

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Dave364 Collaborator

Dave364

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Well I got it to a good local bodyshop yesterday and spoke to the guy there today, he said it's about £2300 to repair and they have sent all info to insurer. I phoned the insurance company who said they need their technician to check it to see if it will be repaired or written off and I should find out Monday or Tuesday, think it's the paperwork he's to check so don't see how it takes so long. Does anyone know what cost AGEAS would repair up to or what percentage to cause it to be written off? I'm not that confident they will want to fix it.

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Wardy Grand Master

Wardy

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Would all come down to the insurer's assessment report really.

 

Is that what the mean by 'their technician to check...' as in they haven't assessed the car yet?

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wiilydog Proficient

wiilydog

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Had a similar situation a few years back and they only repair up to the cars value so if its border line they may give you a choice of either write off or repair but the repair normally done on agreed amount so it may end up being done on the cheap if your car is worth less than £2.3k

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TK699 Community Regular

TK699

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In the past I have brought my car back off the insurance company after it was written off.

Didn't cost much but it was a very long time ago.

This might be an option to you.

You would need to look at how much the insurance company off you for the car.

Say they offer you £4000

Cost of repair £2300

Cost to buy the car back £500

That would give you £1300 in your pocket.

Not sure if you need to have an MOT after and you would also need to pay them up for the rest of your premium.

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petrolbloke Experienced

petrolbloke

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Welcome to the world of higher insurance premiums despite it being a non-fault claim.

 

Not always the case. My 2015 insurance was cheaper than it had ever been after a non-fault accident in 2014. The only small upside of having some twunt crash into me!

 

As the other party has admitted liability, then you are well within your rights to have the vehicle repaired - irrespective of cost involved - as it is her company that is footing the bill.

 

That's not how it works.

 

Well I got it to a good local bodyshop yesterday and spoke to the guy there today, he said it's about £2300 to repair and they have sent all info to insurer. I phoned the insurance company who said they need their technician to check it to see if it will be repaired or written off and I should find out Monday or Tuesday, think it's the paperwork he's to check so don't see how it takes so long. Does anyone know what cost AGEAS would repair up to or what percentage to cause it to be written off? I'm not that confident they will want to fix it.

Cat C is when the repair cost exceeds the value of the car. Cat D is when the repair cost is less than the value of the car but it's uneconomical to repair. So at £2300 repair cost, I'd expect the insurers to put yours in Cat D.

 

If you have somewhere to store the car, try and avoid it being taken away and incurring storage costs if possible and if it's not too late for that.

 

If it gets repaired - make sure they are done to a good standard. Check all bulbs still work as the filaments can break in a crash (happened to mine).

 

If it gets written off you should be able to buy the salvage for around 10% of the valuation. Obviously make sure you get a fair valuation especially if your car is better than average spec and has FSH (the price guides insurers use do not usually take these into account on cars of this age). You can then get the car repaired yourself, break it for parts or sell it on.

 

Don't need to get a new MOT unless your insurer requires it (mine didn't).

Edited by vrsTom
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silver1011 Veteran

silver1011

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Not always the case. My 2015 insurance was cheaper than it had ever been after a non-fault accident in 2014. The only small upside of having some twunt crash into me!

 

But it might have been even lower if you hadn't had the crash.

 

I've never known an insurance claim lower premiums before, we'd all be crashing on purpose!

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petrolbloke Experienced

petrolbloke

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But it might have been even lower if you hadn't had the crash.

 

I've never known an insurance claim lower premiums before, we'd all be crashing on purpose!

 

Possibly, but the premium was only £200 with 15k miles/year and business use so I doubt it could've been much cheaper. Just trying to point out that it's not always the case that you get shafted on renewal with a non-fault accident. As always, it pays to shop around though!

 

If you were crashing on purpose it wouldn't be a non-fault accident... ;)

Personally I wouldn't want to go through it again even if my insurance was free the next year.

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Dave364 Collaborator

Dave364

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Got the phone call today to say that the car is being written off, they have offered me £3800 or £3100 plus the car. This seems a not bad offer until I started looking for a replacement car. If I am buying something the same age I wouldn't want to buy private with no comebacks and the ones from dealers are nearer 4500, obviously a few cheaper but not near me in central Scotland. Will be having a good look online tonight to see what I can see.

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Vegasphil Rising Star

Vegasphil

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I'm sure you are doing it already but haggle for more money out of them. That sounds like a low amount to me. 

 

Give them your auto trader examples for replacement cars at a higher price. Also get the car back for that money - it's a no brainer!

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Dave364 Collaborator

Dave364

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Yeah I am planning to get the car back for that money and either fix, break or sell it but is a no brainer to buy it back for 700. I will speak to the insurance tommorow and can show them examples of cars and see what they say and keep yous updated

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