Is it a write off?

[Skodaph1boy]

I was rear ended yesterday with significant damage to my Fabia. Photo attached. 

 

Boot caved in and wont shut, bumper crumpled. Not sure about internal damage.

 

I want it to be a write off as its an unlucky car. 2nd time this has happened in 2 years (different person driving it each time).

 

Not sure if damage is borderline to be a write off. Its 17 plate with 23,000 miles. We buy any car estimate value at £6,000 although have seen same car on auto trader for £8,250.

 

What do you guys think?

 

Any help would be appreciated.

[TerFar]

Very difficult to make more than a guess. It looks like the lights are unscarred and the damage is mostly central. But what's happened behind the mauled facade is impossible to know untill the panels removed. I'd guess ~£3k to repair. But if it's a long job and involves car hire, it just may tip it into write off territory. 

[shyVRS245]

1 hour ago, Skodaph1boy said:

I was rear ended yesterday with significant damage to my Fabia. Photo attached. 

 

Boot caved in and wont shut, bumper crumpled. Not sure about internal damage.

 

I want it to be a write off as its an unlucky car. 2nd time this has happened in 2 years (different person driving it each time).

 

Not sure if damage is borderline to be a write off. Its 17 plate with 23,000 miles. We buy any car estimate value at £6,000 although have seen same car on auto trader for £8,250.

 

What do you guys think?

 

Any help would be appreciated.

Looks like the L plates were on the wrong car. Sorry you seem to attract morons who want to mate with your rear bumper.

[RickW]

I'd say a write off with all the time,effort paint and parts needed for a back to normal fix.

 

It'll and up being repaired and put back on the road in my opinion. 

[GeneralPurpose]

It's difficult to actually know from just looking at the picture. The exterior damage is easy to fix and won't take long. It's the unseen damage that will determine if the car is a write off. If the floor pan is buckled and it's extensive, then that would be a much more expensive job to fix. Don't forget the car is designed to look like yours does after a shunt. It prevents more serious damage in these lower speed hits. Most insurers now won't write a car off unless the cost of repairs exceeds around 60% of the total value of the vehicle. It used to be 50%. So there is probably a good chance the car will be repaired. They will likely take a middle figure for it's value of around £7k to use as the yardstick, but they may go higher with it's value making a write off less likely. Let us know how it goes please and good luck.

[mrgf]

% is usually calculated at 50% new car, 66% older car value, writes them off. If diesel, they will say its worth less and I have seen repairers severely overprice cost of repair, too. The hire of additional car becomes a separate issue, though. I would think this is just about a cost effective repair, looking at the photo.

Are you an instructor? If not and YOU were driving as a qualified driver, you could be penalised for driving with L plates... The insurer might even refuse to pay!

Edited 22 April, 2019 by mrgf

[Skodaph1boy]

7 minutes ago, mrgf said:

% is usually calculated at 50% new car, 66% older car value, writes them off. If diesel, they will say its worth less and I have seen repairers severely overprice cost of repair, too. The hire of additional car becomes a separate issue, though. I would think this is just about a cost effective repair, looking at the photo.

Are you an instructor? If not and YOU were driving as a qualified driver, you could be penalised for driving with L plates... The insurer might even refuse to pay!

No it was my girlfriend, a learner driver and I was the teacher. We had learner driver insurance in place for the day. Third party phoned up that day and admitted fault. So has been pretty painless so far. Has put her off doing top up lessons with me!!!!

[mrgf]

I understand that. I had a stupid pedestrian swing open a cab door, hitting my door and  mirror, with my student driving. He has yet to get behind the wheel, despite being the other guy's fault and a very slow impact. Reassurance, and gentle coaxing is the key.  Good luck with the lessons.

[2ndskoda]

Would not consider this to be a write off.

[Skodaph1boy]

Body shop took a look at it and insurer happy with cost to repair. Will be in the garage a good few weeks as its significant damage.

 

I was given a Hyundai i10 as a loan car - apparently that is a like for like to a Fabia? I had to fight to upgrade. Getting a Ford Fiesta or Vauxhall Corsa tomorrow to run around in for a few weeks.

 

I was wanting it written off, oh well will be sold in a years time at 3 year mark.

[singh946]

1 hour ago, Skodaph1boy said:

Body shop took a look at it and insurer happy with cost to repair. Will be in the garage a good few weeks as its significant damage.

 

I was given a Hyundai i10 as a loan car - apparently that is a like for like to a Fabia? I had to fight to upgrade. Getting a Ford Fiesta or Vauxhall Corsa tomorrow to run around in for a few weeks.

 

I was wanting it written off, oh well will be sold in a years time at 3 year mark.

 

That's a great news and hopefully you get your car back in no time. 

 

I can understand you would have wanted the car written off after seeing that damage but if its Non-Structural then nothing to worry about. A bumper and tailgate wont spoil the drive of the car  

[Skodaph1boy]

15 minutes ago, singh946 said:

 

That's a great news and hopefully you get your car back in no time. 

 

I can understand you would have wanted the car written off after seeing that damage but if its Non-Structural then nothing to worry about. A bumper and tailgate wont spoil the drive of the car  

The garage said it was signficant structural damage but insurer authorised the repair costs so not a write off.

 

Not happy - im thinking about selling a taking a hit as outstanding finance more than value of car at the moment.

[singh946]

1 hour ago, Skodaph1boy said:

The garage said it was signficant structural damage but insurer authorised the repair costs so not a write off.

 

Not happy - im thinking about selling a taking a hit as outstanding finance more than value of car at the moment.

 

Oh then that would certainly be a put off :( cant have nice things these days without it being damaged by somebody else. 

 

Hope you get sorted mate. 

[vc-10]

3 hours ago, Skodaph1boy said:

I was given a Hyundai i10 as a loan car - apparently that is a like for like to a Fabia? I had to fight to upgrade. Getting a Ford Fiesta or Vauxhall Corsa tomorrow to run around in for a few weeks.

 

I'd say the i10 would be like-for-like for a Citigo, but not a Fabia. Much smaller. 

[abaxas]

Just remember that like for like means everyone's insurance goes up in price.  Same with ULR.

[Skodaph1boy]

Pretty sure the driver was texting when driving (or some activity where she was not looking out) No proof of this. But there is no way this accident should have happened. Its a big open road and quite quiet at the time and would have seen the car some distance away. And obvs looked away as no way should she have hit the car that hard. Her excuse was Sorry, I thought you had gone (onto the roundabout).

 

 

[Skodaph1boy]

26 minutes ago, abaxas said:

Just remember that like for like means everyone's insurance goes up in price.  Same with ULR.

 

No, everyones insurance goes up because often people make silly mistakes. I wouldnt need to worry about a hire car and repair had this not happened.