ellicoss

Hi all right had a smash in my 3dr which has damaged the hole front end ie bumper ,bonnet ,grill ,headlights ,drivers wing,drivers door,drivers inner wing,slam panel,cross member etc anyway a engineer has looked at the car and said it can be repaired so i said dont think ford have the bits which there reply was then we will have to make a cash settlement for you to get it repaired with second hand stuff which i said fine anyway they have offerd me a rubbish amount to repair it and i have refused the cash settlement can i say i want paying out on the car beings they cant repair it cheers all

rickbartlett

yeah,id ask 4 a payout ,then buy it back off the insurance company 4 a percentage,then fix it mate

ellicoss

am i right in thinking if they cant repair with geniune panels they cant repair it

rickbartlett

yeah im preety sure they wont repair with 2nd hand panels mate.u could probly get copied panels but they never fit rite and would spoil it

turbolee

iv had a car that was repaired before with second panels cos there was nt
new ones so prob depands on insurance company plus i didnt want the car to be writen off

fordrs2005

iTrader: (4)

the majority of insurance companys now use replica panels like imperial , hadrian etc in stead of genuine ones on cars over 3 years old now and u have to remember its a d or e reg car if u dont have an agreed valuation they,ll give u whatever they want

JonnyBravo

This happened to me a few years ago, I asked for a cash settlement and dealt with my own bodyshop.

cossie604

iTrader: (2)

I bought a copy o/s/f wing for my 3dr and it fitted better than the oe wing I eventualy fitted (only fitted oe just because its got a ford stamp ). Trouble with alot of NOS is it can lose it shape/form over time, you'd go a funny shape if you were made to sit in a warehouse for 20-25yrs

Cant you get a repair estimate from a RS specialist? That way they could price up and source all the parts required, so the quote will look less like guess work to the insurance company.

jacko

i can help find all the bits and do the work and may even be interested in buying it if you dont want it in the end

RobCarden

some insurance companies make a pay out and then won't sell you the car. they would rather crush it!!! worth double double checking

tabetha

At the end of the day there is NO hard and fast rule, it is whatever you and the insurance company agree on, remember it is YOUR car not thiers and they CANNOT settle unless you agree.
Pattern panels are std practice, and having used Hadrian they fit perfectly well, most of these older panles are made using dies that were used to make the originals anyway, as cost of a die is Ł100,000 +, so not cost effective for a 25 year old car, the old dies are sold off, a bit worn out etc, as the more stamps they do the more wear they get.
Just tell the insurer you wish to settle on keeping the salvage, which is normally charged for at 10% of the accident value, insurers are happy to do this if you offer to sign a disclaimer as it saves them scrapping costs.
I have done this with 3 different cars, just took money from insurer and repaired myself, though I am driving around in a "write off" at the moment, it has a dent in the rear 1/4 about 1" long and 1/8" deep, and a scrathed bumper, but got Ł480 repair costs, just keep forgetting to do it!!
tabetha

gaz s1

boncaster gave me a cash settlement to repair my s1 a few months ago after it was backended and i made a few quid out of it and it wasnt on the register
Any car over 20 years old you dont buy back they give you for free or thats what boncaster told me anyway/

fordrs2005

iTrader: (4)

am not saying ur a lier but cant see the insurance company just giving u a 20 year old ford having watched a mk2 rs2000 , series 1 and mk1 escort go thru the salvage lately and the price they make the insurance company know this and make most of the money back tey pay out