CAR ACCIDENT INSURANCE QUANDRY - HotUKDeals
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CAR ACCIDENT INSURANCE QUANDRY

iglimpse Avatar
8y, 7m agoPosted 8 years, 7 months ago
Lorry reversed into my car last week (10 yr old very reliable toyota). He drove off and I had to follow him for 2 miles before I confronted him (he had no idea it had happened!). Dent to passenger rear above lights. Got a rough estimate approx £400 to fix. His firm said would have to go through insurance. My insurance company said need estimate from thier own garage.

Just been, stunned to find car might be a write off, as the cost of repairs coming near to the value of the car. Car does have a few scratches and other minor defects which are nothing to do with the accident, I am not looking for these to be repaired on this.

At the end of the day, cannot believe I might have to consider replacing my car and may welll be out of pocket, they have admitted responsibility for the accident. Have to wait to hear from insurance company now.

Any advice would be appreciated.
iglimpse Avatar
8y, 7m agoPosted 8 years, 7 months ago
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#1
cant advice u but good luck in all this.....
1 Like #2
It may be an insurance write off, but you'll probably find that the insurance company will offer you either the cost of the car and take the car or a 'token' amount and let you keep the car. I think it will still be classed by DVLA as an insurance write off, but if it lasts you a few more years of no trouble driving then fair play!
#3
No advice but all the same Really sorry to hear about this, hope all goes well :)
banned 1 Like #4
Don't know much about this to be honest but something that might interest you

few years ago Parents had an old run around motor, dad used it mostly for building work etc (bit of a parttime odd job man....he loves it sad sod) anyway.....

Parked it over night in dodgy area of town....Kids key'd it all over and smashed windscreen

Insurance said write off, would cost £300+ just to re-spray etc....so he got paid insurance money
Then he bought the car back! cost him hardly anything and he was left £200 quid up after everything was fixed!

Might be worth it if the car isn't that badly damaged!
1 Like #5
Your insurance company may let you buy back your car if it's been written off, that's if you still wan't it.
#6
Want to keep the car, sad but not in a position to think about upgrading at the moment and it is most reliable car I have ever owned.

No decision from insurance company yet, may not be write off. Just shocked, was not expecting it...nieve or what!
#7
This is weird some guy in a audi drove into my car a month ago, just needs a new headlight.
The insurance rang me up today have said they wont replace it as it costs too much so its a write off.
1 Like #8
if the repair is over 55% the value of the car then an insurance company will write the car off, as its not worth it with the admin fee's and if the repair isnt done right getting ti sorted again etc etc, my advice is to buy the car back and repair it yourself
#9
Get hold of one of those free solicitors that will act on your behalf in road accidents. Look for them to supply you with a replacement car till yours is fixed and full costs from the driver. See what they say. Persuing the driver for negligence may be a better solution than insurance repairs, this way you keep your car and simply have him pay for whatever it costs to repair. Did you report him to the police. you should. Negligence, danderous driving, and leaving the scene of an accident. A crime number will help with the freebie solicitor.
1 Like #10
If the accident was not your fault then you're entitled to have the car put back into the condition it was before the accident. The claim is against the other driver (and his insurance company). There is no real need to get your own insurance company involved. That is the legal position. However, in practice, things are never that straightforward. It would be almost certain that, if the sums involved are relatively small, your insurance company will agree a write-off, pay up the "value" of the car and then probably not bother with other insurance company. You would then need to pursue separately for any excess.

If you haven't already got legal cover with your insurance, you could get yourself an "ambulance chaser" (daytime TV is full of adverts for them) and seek the full costs of repair from the other driver and a few other expenses/damages. :thumbsup: This may well be long drawn out and the outcome is never certain. so you could end up with less than the write-off value.

Best bet is to find out from a decent repairer how much repairs will cost (cash rather than insurance job!) and then see what you're offered as a write off and how much they'll sell car back to you for and then decide what to do
1 Like #11
Tell your insurance co that you will not part with the car, it is uneconomical to repair, not exactly a write off, so They should pay you the cost of the vehicle and you can then get it repaired by a friend or small garage. Be frim, you do not have to have repairs done at their garage or part with the car, it belongs to you. I have insider knowledge as I own a crash repair garage and lots of work is stolen by large garages who have a deal going with some of the insurance companies. One in my town was recently exposed as they were sending in false estimates for more money and taking photos of different cars as proof. Remember its your car, you pay for insurance and your company or broker should be getting you the best deal. BE FIRM, DONT SETTLE FOR THE FIRST OFFER.
#12
wendyak;1991449
Tell your insurance co that you will not part with the car, it is uneconomical to repair, not exactly a write off, so They should pay you the cost of the vehicle and you can then get it repaired by a friend or small garage. Be frim, you do not have to have repairs done at their garage or part with the car, it belongs to you. I have insider knowledge as I own a crash repair garage and lots of work is stolen by large garages who have a deal going with some of the insurance companies. One in my town was recently exposed as they were sending in false estimates for more money and taking photos of different cars as proof. Remember its your car, you pay for insurance and your company or broker should be getting you the best deal. BE FIRM, DONT SETTLE FOR THE FIRST OFFER.


Yes he did take lots of photos, my car only.

I don't care that car is old. I don't want the big dent, or to change the car. (you are talking to the woman with a 23 yr old tumble drier). Hate changing things until they run out of life. As ever, it is all the time and hassle involved
#13
Update.

Got a call today, engineer from insurance company came out. More photos and full inspection again. He rang an hour ago, they are going to write it off :cry:

He did not give me the price. Said insurance would ring me tomorrow with a price.

I am worried how much I will get. Car not in A1 condition, scratches etc but now has big dent which it did not have before. Have looked up the price, £500 for good but £350 for poor condition. Would probably have got £350 before the dent

Engineer said I would need to return vehicle docs. I said I would need some time to get another car. Not given the option of them giving me the money
#14
tony_s1;1991250
If the accident was not your fault then you're entitled to have the car put back into the condition it was before the accident. The claim is against the other driver (and his insurance company). There is no real need to get your own insurance company involved. That is the legal position. However, in practice, things are never that straightforward. It would be almost certain that, if the sums involved are relatively small, your insurance company will agree a write-off, pay up the "value" of the car and then probably not bother with other insurance company. You would then need to pursue separately for any excess. If you haven't already got legal cover with your insurance, you could get yourself an "ambulance chaser" (daytime TV is full of adverts for them) and seek the full costs of repair from the other driver and a few other expenses/damages. :thumbsup: This may well be long drawn out and the outcome is never certain. so you could end up with less than the write-off value. Best bet is to find out from a decent repairer how much repairs will cost (cash rather than insurance job!) and then see what you're offered as a write off and how much they'll sell car back to you for and then decide what to do


Cheers. Rear shunt, comapny van and they have admitted their fault (I know that might not mean anything in the long run). Has gone to their insurance now anyway.

Don't have good opinion of ambulance chasers. Would be happy to take them to small claims court myself if it came to that (have issued papers many times for other things, none ever gone as far as court - settled on reciept of papers).

Real cost of repair, probably £350. Worst estimate for write off is £350:?

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