I am gutted, was planning on ordering my new furby vrs for september 05, but the other day at work one of the doctors drove into my car while it was parked :rotz:

She has scraped the paint off along the majority of the bumper and the headlight glass fell out afterwards. Anyway, I have to wait for an inspector to come and look at it from the other insurance company as I am claiming through them because I can't afford to pay my excess up front and then wait for it to be reimbursed.

I was told that the inspector may say the damage will cost more to repair than the value of the car ( 1989 Golf clipper cabrio ), so if this happens I am stuffed. I don't finish my nurse training until September and I was going to reward myself by ordering my furby vrs (If I passed and had a job lined up)

That way I could drive my car until then and put down a good deposite and have a couple of grand or so on finance (hence needing a job lined up).

I have been told that if they do write it off then I can negotiate a price with them to buy it back but I'm not sure how this works for getting it insured and selling it on and registration etc. anyone else been in the same boat? :(

cheers for any advice

Pix

Hiya Pix,

Never been in that situation as i am too young to drive!! easy way out of it!!!

Anyway-i'm sorry to hear about your car. Hope you get everything sorted out easily.

And good luck with your nursing course.

lorna

AAAAAARRRRRGGGGGGHHHH!!!! err dunno what to say really, never been in that situation. Good luck with it anyway

Any pics of the damage? Might simply need a repair to the bumper & a new light... not expensive...

...unless it's all been crushed in the impact?

Some scrote attacked my Micra with a wheely bin a week before I was due to trade it in for my Octy :eek:

Smashed the windscreen and put a big dent in the windscreen pillar

Much frantic phoning and

Basically if it costs more to repair the vehicle than the vehicle is worth or any unreasonable repair then it will be classed as an "insurance write off", it's interesting to mention that if a car is repaired a common mis-conception is that the car with show on a HPi register, it doesnt unless it falls into Categories such as A, C, D etc - a full list can be found by searching google.

My TDCi Zetec S Mondeo was worth 10k when I crashed it and the repair bill must of been 5k but it wasnt on a HPi register when I came to sell it, so in theory the new owner need never know!

If they do write the car off they will give you cash for the value of it, so just buy another cheap run around. The chances are though it will get repaired and i'm 90% sure it wont be on a HPi register, so you don't need to declare anything when you sell it (well you do, but I wouldnt as you'll get a reduced PX price).

I know some people have refused the original insurer's settlement figure in that situation. Also, you could buy the car back at a lesser figure and have it repaired more cheaply perhaps...??

You should beable to buy it back for i would say not alot of money and use it until you finish your Nursung course.

my brother did the same and we still have the car after getting it fixed.

the car was written off,we got

I think that you can demand that the person at fault's insurance company fixs the car regardless.

I'm sure my mate managed to get them to do that after someone ran into his car.

She has scraped the paint off along the majority of the bumper and the headlight glass fell out afterwards.

I was told that the inspector may say the damage will cost more to repair than the value of the car ( 1989 Golf clipper cabrio )' date='[/quote']

If that is all the damage, then, they may well write the car off, depending on how much it is worth (which as it is 16 yrs old, will not be much to be honest), just because it will be very difficult to source new parts.

I would see what they say and what they offer as I personally would tell them to shove it and just get the replacement parts from a scrap yard, if that is all the damage. Nothing a little elbow grease won't fix with too much problem.

If they offer a resonable amount, see how much it would cost to buy it back from them as you could end up with cash in hand out of this saga.

I am gutted' date=' was planning on ordering my new furby vrs for september 05, but the other day at work one of the doctors drove into my car while it was parked :rotz:

[/quote']

If you know who did it then it should be up to her to put it right. Explain to her the difficulty it has caused you and insist that she loans you the cost of putting it right until her insurance pays out. It may even be better for her to just pay you for a repair rather than go through her insurance and lose her NCB. It's all her fault after all.

Sal

If you know who did it then it should be up to her to put it right. Explain to her the difficulty it has caused you and insist that she loans you the cost of putting it right until her insurance pays out. It may even be better for her to just pay you for a repair rather than go through her insurance and lose her NCB. It's all her fault after all.

Sal

It was a doctor that hit the car; which meant the parked car was probably an NHS Patient rather than private and therefore was simply trying to jump the waiting list or being difficult...doctors are never wrong you know

Really sorry to hear about the car: it's the last thing you need in your final year with exams looming etc etc. Hope you get it sorted: I'd go down the route of bursting into tears in front of her and laying it on thick with a trowel about the emotional trauma etc....play her like a fiddle!

Several years ago I crashed my car (fell asleep at the wheel after 96 hours on duty, wonder why I fell asleep?) Anyway the Insurance Rats offered me a third of what I'd paid for the car three months previously.....when I asked where they got the valuation from they declined to reveal the source until I got really stroppy, then the told me they trawled through the classified ads in the City newspaper!!! I threatened to go straight to the Press with the story and miraculously got put on hold and then put through to a "manager" who regretted the mistake made and offered me 90% of the purchase price. His final words were "as long as you were kidding about going public with this story" Whoops!!!! Blown it now!!!

All the best with the exams and the Furby

One thing to bear in mind is that to buy it back and put back on the road then it must be a cat C or D write. If it's A or B (very unlikely in this instance) then the car cannot be put back on the road.

She has scraped the paint off along the majority of the bumper and the headlight glass fell out afterwards

You don't HAVE to have the car repaired - you could just leave it as it is and pop a new headlight in.

Is the headlight definitely fully caused by the accident or was it due to corrosion and it would have dropped out anyway?

If it is caused by the accident it sounds like the damage is a lot greater than it appears and a write-off is potentially inevitable at that age. Autotrader prices range from

Thanks everyone for your words of support, I am now waiting for an inspector from the hospital insurance company (she had a lease car from the hospital) I have been waiting over a week and three phone calls later I still havn't got anywhere. Beginning to think it's not worth it (I wonder if this is their ploy!). I might just go to the scrap yard and find a head light and put up with the scraped bumper, I don't think it's worth risking the hassle of having my car written off.

Thanks again, gonna continue with my dream of a furby when I qualify in Sept.

Pixi x