So last week I had a lady in a Ford B Max kindly park her car in my boot. I was static on a slip road (the traffic in front was also static) and she ran into me at 40-50 mph. As you can imagine, I'm a little sore and the car is a write off.

My car has had a remap, a detachable tow bar fitted and an aftermarket headunit fitted in the last 6 months by myself. Now I understand my car is not heavily modified, but they are all declared on my insurance.

My question is... Should her insurance company pay for these as well? Because in my eyes her insurance is meant to put me in the same position I was in before. And the money they're offering me atm is not enough to cover fitting the equivelant mods onto a new car.

Anyone had any similar experiences or can anyone help me?

I understand the towbar might be fecked, but can the radio not be removed?

Remap obviously is an issue which might be difficult

Admittedly the radio can be removed. But the car is currently in a garage a bit of a distance away. But I would have thought her insurance should cover anything I have declared on my insurance. Especially as the list is not exactly huge. Without the radio, we're talking about 750 quid to replace what has been damaged.

I realise I may not get the rrp of each mod, but surely they should acknowledge them and compensate accordingly?

I understand your concern but I have a feeling the insurers will argue that the car is not worth more than standard market value just because it has been mapped. I suspect you'll struggle to get them to consider it as worth an extra consideration. You might have some success if you have legal expenses cover for uninsured losses.

 

Hope it progresses well for you.

Sadly in the eyes of the insurance a car is market value and that is that. Doesn't matter if you covered it in cottonwool and waxed it regularly or not really given a monkeys uncle about it.

 

I would contact the mapper and see if they will come to an arrangement with you, they may help you out with the new vehicle (it's worth a shot).

 

Chances are, with that impact speed you will probably have a legal team "concerned about you" and try to offer extra help to recover expenses and injury, I would discuss these extra options/mods that are not being covered and see if they will help with this.

Time to dig in.

 

The insurance company has an interest in paying you as little as possible. They aren't going to offer you more than they need to.

 

From the other threads on here over the years it appears to me that there is an element of negotiation involved when arriving at the final payout.

 

As the mods are declared and it's a non-fault accident I'd be wanting to be back in a car of the same specification and of equal value.

 

Find a Fabia MC on Autotrader at the same age and on similar mileage, price up a detachable towbar, new headunit and remap and add it all together.

 

That to me is the 'market value' of the car that they've just written off.

Exactly what I was going to say, they need to make good the car, mods n all. If when I had it my Fabia was written off with all it's mods and they offered me stock money I'd be taking it as far as I had to to get what I needed to replace it, including the mods. 

 

I suspect with a little back and forth you'll be able to negotiate roughly the right amount, ask if you can take the headunit out and the remap is £250ish? I think you'll be alright tbh as it's not a huge amount of extra money over a stock one. 

I doubt they will cover the remap but I would ask for them to fit the same spec towbar and swap the head unit over.

But never take the first offer.

I doubt they will cover the remap but I would ask for them to fit the same spec towbar and swap the head unit over.

But never take the first offer.

I'd agree with this.

 

Your mapper will probably do something for you too if you let them know what happened as you've paid for the software once.

I've seen a nominal £100 charge to remap a like for like replacement after a write off,

I had an accident in nearly identical circumstances but wasn't on a slip road.

 

The initial payout offer was rediculously low (£4,000) and I asked them to find me the same car (model, engine, colour and mileage) for the same amount and I would happily take the money.

 

They then went on Autotrader and found a car the same model and engine but not colour or mileage for £5,000 but I argued the green colour they proposed was worth a lot less than the blue I had (Auto trader prices backed this up). I then produced them two examples of similar cars for sale on Autotrader (The only two that matched) and they agreed to pay the value of the lowest one which was nearly £6,000.

 

I also had an aftermarket exhaust that was demolished in the impact. As their assessor agreed it could not be removed and transferred to another car they also paid the retail price for it on producing a receipt. All of the internal aftermarket bits such as stereo and metal heater knobs etc they allowed me to remove if I wanted to keep them but wouldn't pay me for them. The only problem was they had moved the car at this point from the bodyshop to a scrap yard so I had to drive 50 miles to remove the bits.

Edited 26 November, 201510 yr by JamesVRSmk3