Few days ago my neighbour didn't put her handbrake on , or engage first gear, it rolled down our road and slammed into my Octy MK2 VRS, I just put on the road 1month ago. I'm gutted and worried about it being a write off, seeing it's 17 yrs old and done 220k km . Speed impact about 10-15 mph I guess. Pushed my car onto pavement with the force. 

 

Damage as.far as I can see being total amateur:

 

Rear quarter panel

Bumper / metal bumper frame

Hub/ axle

 

The rear wheel is not where it should be, misaligned , kind of like this angle :   \    so that has beared the brunt too.

 

Taking to repair garage soon locally, to assess damage , I fear the worst knowing in last how easy they are to write a car off. 

 

Your thoughts on cost/ opinions what's damage v appreciated . Thanks

 

Other car damage included incase we have some experts here who want to see that too.

 

 

 

 

 

The metalwork will pull out, the plastic can be reformed and any wheel alignment issues assessed and repaired.

 

On the basis that these things happen I would fix the wheel issue first and worry about the cosmetics at a later date.

 

Do you have a fuel leak? I see a suspicious wet patch on the ground.

Cheers for reply, I thought metalwork could be pulled out, are we talking welding pins and pulling out then removal pins/ sanding/  / paint / blend in?

 

Bumper would be great if they can reshape .. save on costs. 

Wheel alignment is prio indeed, all this will be done through insurers, so I hope costs are low to avoid write off.

 

Petrol leak.. unsure.. really hope not, it had been raining and may have pooled up in bumper a bit. It's rained hard today so I can't check, I'll take a closer look tomorrow hope nothings been pierced.

I did notice rust remains on the ground, and dirt.

 

 

UK insurers work to about 60% of the value of the vehicle to write it off.  I don't know about repair costs where you are but a working estimate where I am (north west England) is around 3-400 per panel to straighten and respray.  The insurers will be uncomfortable about repairs to the rear quarter as it's part of the main body shell.  I would look closely at the damage to the rear wheel/suspension setup as that affects your safety and not just how the car looks.

 

I don't know about shipping costs (but I can find out of you wish) but I have a rear bumper bar you can have if that's any use.  I took it off when I fitted a towbar so it's in good nick - although probably needs a wash by now   Alternatively you could take a look around locally for someone who has fitted a towbar as they'll have the same part surplus.

 

Are you claiming through your own fully comp insurance policy or from the Third Parties insurer as you have TPO or TPF&T cover?

 

I would say it is 100% going to be judged an uneconomic repair.

 

Sorry I did not see that you were from Belgium, not sure how an insurance claim works there but the judgement of an uneconomic repair will not chnage even if they work to different percentages.

Most likely to be uneconomical to repair.  Someone bashed my wing  and they wrote it off despite it just needing a wing. 

19 hours ago, J.R. said:

Are you claiming through your own fully comp insurance policy or from the Third Parties insurer as you have TPO or TPF&T cover?

 

I would say it is 100% going to be judged an uneconomic repair.

 

Sorry I did not see that you were from Belgium, not sure how an insurance claim works there but the judgement of an uneconomic repair will not chnage even if they work to different percentages.

I'll be claiming through my policy, its third party ,( can't get fully comp in Belgium if a vehicle is a certain age )  but I opted for legal protection , so in the event of things like this happening I'll dispute a pay out to get the max value for the car.. let's hope. Just replaced bloody oil cooler for 1.3k at the stealers, garage I bought car from in Netherlands refunded parts at least. 

I've had couple write offs when I lived in UK, and one over here ( mum's) and it's pretty similar, they offer way below what it would cost to find a same model ,year, colour, one with service history etc. 

 

I'm also fearing it's 100% going to be written off, I'm gutted for that, and the end result.. 

Been under the car today with wheel off ( yes safely supported the car ) I can see the suspension strut has been slammed in slightly, for the rest, I have no idea. No fuels leaks tho @MicMac

 

 

Uploaded 2 pics with wheel off and a vid, doesn't confirm much more, would it be safe to drive 3 miles to repair garage or should I get it towed?

18 hours ago, wiilydog said:

Most likely to be uneconomical to repair.  Someone bashed my wing  and they wrote it off despite it just needing a wing. 

What was your car worth at time?! Not a VRS right ? Just for a wing they wrote it off? I'd have just bought one myself and fitted it.  😞 I cringed on mine when I saw damage , rear quarter is a classic write off area I've heard in the past ..

19 hours ago, MikeTheThinker said:

UK insurers work to about 60% of the value of the vehicle to write it off.  I don't know about repair costs where you are but a working estimate where I am (north west England) is around 3-400 per panel to straighten and respray.  The insurers will be uncomfortable about repairs to the rear quarter as it's part of the main body shell.  I would look closely at the damage to the rear wheel/suspension setup as that affects your safety and not just how the car looks.

 

I don't know about shipping costs (but I can find out of you wish) but I have a rear bumper bar you can have if that's any use.  I took it off when I fitted a towbar so it's in good nick - although probably needs a wash by now   Alternatively you could take a look around locally for someone who has fitted a towbar as they'll have the same part surplus.

 

Agree with you, I'll focus mainly on the safety aspect and go from there on. I have no idea what a bumper bar looks like , are.we talking the crash bar that's non curved? Shipping anything outside UK. is a nightmare, tho I am popping through to UK in June with my polo, so who knows , I might be in touch with you 

Was the noise in the video the tyre rubbing?

 

If I was going to suggest so you could fit some washers on each wheel stud to space it out but of course they are wheel bolts, otherwise have someone in the back with a watering can and no spout to open the door and pour water on the tyre when it starts to smoke, drive very very slowly of course, not something I should really be suggesting but it got me home a mile having overloaded my trailer with ballast and bent the suspension units causing the wheels to camber into the woodwork.

1 hour ago, J.R. said:

Was the noise in the video the tyre rubbing?

 

If I was going to suggest so you could fit some washers on each wheel stud to space it out but of course they are wheel bolts, otherwise have someone in the back with a watering can and no spout to open the door and pour water on the tyre when it starts to smoke, drive very very slowly of course, not something I should really be suggesting but it got me home a mile having overloaded my trailer with ballast and bent the suspension units causing the wheels to camber into the woodwork.

Yep forgot to add , tyre is rubbing.. I'm planning to get.some v cheap steelies with crap tyres , fit those before going to the repair garage,  incase it wears tyre side out, my zenith 18s have new bridgestones , and refurbished to new  couple months ago , fearing I won't see the car again I'm going to keep them for my next octy or sell to recoup some losses if worst happens and she's written off.

Thx for the tip for the tyre

I have a set of steelies with legal but lethal ditchfinder winter tyres (old and no grip even in cold conditions) and they are in La Somme so not a million miles from the Belgian border dependant on where you are.

 

You can have them for free if it helps you, I bought another set cheap down here that had good tyres, another waste of money really because  since November when I put them on till they came off a couple of weeks ago there were probably only 2 days where the temperature and conditions would have warranted them.

 

They actually have genuine Skoda wheeltrims which look quite good, with them no insurance assessor could complain, I actually prefer the look of the black rims to the alloys so found some cheap black embellishers.

4 hours ago, Octy1tdi said:

What was your car worth at time?! Not a VRS right ? Just for a wing they wrote it off? I'd have just bought one myself and fitted it.  😞 I cringed on mine when I saw damage , rear quarter is a classic write off area I've heard in the past ..

No it was not a VRS but a L&K 2.0TDi with 216k miles on it  - insurance paid out £1,700 but I bought it back for £400 and repaired it myself.

Don't you have a skinny spare wheel you could substitute temporarily?

17 hours ago, MicMac said:

Don't you have a skinny spare wheel you could substitute temporarily?

I got a 15incher, but I've just bought set of winter wheels for 50euros, which I'll be putting on 

17 hours ago, wiilydog said:

No it was not a VRS but a L&K 2.0TDi with 216k miles on it  - insurance paid out £1,700 but I bought it back for £400 and repaired it myself.

Glad to hear you got it sorted, you beat the insurers on that one ! Guess you had the black leather heated seats etc? Sold now is she? 

18 hours ago, J.R. said:

I have a set of steelies with legal but lethal ditchfinder winter tyres (old and no grip even in cold conditions) and they are in La Somme so not a million miles from the Belgian border dependant on where you are.

 

You can have them for free if it helps you, I bought another set cheap down here that had good tyres, another waste of money really because  since November when I put them on till they came off a couple of weeks ago there were probably only 2 days where the temperature and conditions would have warranted them.

 

They actually have genuine Skoda wheeltrims which look quite good, with them no insurance assessor could complain, I actually prefer the look of the black rims to the alloys so found some cheap black embellishers.

Thanks JR for the offer, you're around 2.5 hrs away from me, I just got back on a local trip from picking up a set of winter steels, 15inches, with reasonable tread for 50 euros. So I'm happy about that..

 

Update to this thread, my broker says they'll base value of write off on other cars for sale in area, ( 1 only in Belgium )  and what i paid , and expenses for oil cooler etc, hopefully if worst happens I'll get most of money back and possibly have some very nice refurbished Zenith 18s in the shed still..

8 hours ago, Octy1tdi said:

Glad to hear you got it sorted, you beat the insurers on that one ! Guess you had the black leather heated seats etc? Sold now is she? 

Yes just sold it last week, it had a cream interior.