mother-in-law just reversed into my cossie!
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my mother in law just reversed straight into the front of my saff! was parked behind her and she didnt realise/look whatever! fook im mad, thing is she wants to go through her insurance which is fine and well but she's burst the front bumper, indicator, headlight bracket, grill and scuffed the leading edge of the bonnet, and managed to burst my new 500 intercooler!!!! so as you can tell im not happy. will it be a case of replacing the bits or will they want to put a standard intercooler back on it????
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my mother in law just reversed straight into the front of my saff! was parked behind her and she didnt realise/look whatever! fook im mad, thing is she wants to go through her insurance which is fine and well but she's burst the front bumper, indicator, headlight bracket, grill and scuffed the leading edge of the bonnet, and managed to burst my new 500 intercooler!!!! so as you can tell im not happy. will it be a case of replacing the bits or will they want to put a standard intercooler back on it????
If you have decleared the mods as 500 cooler and stated the Manifacture then they should replace that, if its coverd under engine mods upto a certen amount then you need to produce some recipts of intercooler.
Engine/Bodywork are not the same, so they will replace them acording to your policy. btw, its a very long winded process.
But if you aint declared anything, then good luck as they could well void your insurance.
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my mother in law just reversed straight into the front of my saff! was parked behind her and she didnt realise/look whatever! fook im mad, thing is she wants to go through her insurance which is fine and well but she's burst the front bumper, indicator, headlight bracket, grill and scuffed the leading edge of the bonnet, and managed to burst my new 500 intercooler!!!! so as you can tell im not happy. will it be a case of replacing the bits or will they want to put a standard intercooler back on it????
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OMG, not a nice thought.
How much does the repair have to be for them to declare write off?
Mine caught fire, done loom, ecu, snapped belts, melted tanks, melted injectors, melted bonnet soundproofing, doesnt look that bad tho, worried will now be written off!!!
How much does the repair have to be for them to declare write off?
Mine caught fire, done loom, ecu, snapped belts, melted tanks, melted injectors, melted bonnet soundproofing, doesnt look that bad tho, worried will now be written off!!!
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Seriously dont get your hopes up mate
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repairs costing more than 40% of the vehicles 'trade' value result in it being a write off!
so you can safely say its a gonna :-(
so you can safely say its a gonna :-(
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write it off!!!!!????? your fcukin jokin me! nah nah, all mod's declared yea, its her insurance though that its goin through, not mine...
she wont pay for it with cash cos her excess is Ł50 and shes got full protected ncb.... damage doesnt look that bad just grill/broken pierced the cooler thats the worst, bumpers split at the corner and bonnet can be easily fixed i would say..
COCHYN
as for her jaw good job it was her not the father in law thats all i can say im that mad!
RICK ASTLEY
shes got a face like a smacked arse!!!! certainly no milf thats for sure!
she wont pay for it with cash cos her excess is Ł50 and shes got full protected ncb.... damage doesnt look that bad just grill/broken pierced the cooler thats the worst, bumpers split at the corner and bonnet can be easily fixed i would say..
COCHYN
as for her jaw good job it was her not the father in law thats all i can say im that mad!
RICK ASTLEY
shes got a face like a smacked arse!!!! certainly no milf thats for sure!
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Bad Bad news![Surprised](https://passionford.com/forum/images/smilies/bigcry.gif)
I remember one of my bros ex,s mums reversing square on to the front of his escort cossie in her frontera the spare wheel made a right mess! went through insurance and it got repaired good as new!
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I remember one of my bros ex,s mums reversing square on to the front of his escort cossie in her frontera the spare wheel made a right mess! went through insurance and it got repaired good as new!
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It goes off a percentage value against the car, Best thing you can hope is youve got a sky high agreed value so theres more chance of a repair than a write off,
If it gets written off buy it back cash in lieu and youve got your car and a fistful of cash to sort it with.
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thing is its her insurance not mine thats being claimed against and i couldnt get a agreed value policy for it unless it was veiwed by a assesor likes of a guy from the rsoc etc.....
then if its written off it'll be a cat c/d etc! rather pay for it to be fixed myself than that!
god im not looking forward to tommorow now............................................... ..............
then if its written off it'll be a cat c/d etc! rather pay for it to be fixed myself than that!
god im not looking forward to tommorow now............................................... ..............
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were they both parked on the road? just wondering cos if its on the drive surely the insurance wont cover it as its on private land?
also...would have thought that insurance would write it off...:s
keep us updated! and good luck!
x
also...would have thought that insurance would write it off...:s
keep us updated! and good luck!
x
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it was on the drive at the house yea, shes spoken to her insurance and they said they're gunna get a guy to come check it over.....
can anyone advise me what the "trade" value would be?
thanks **caz** im gunna need it!!
can anyone advise me what the "trade" value would be?
thanks **caz** im gunna need it!!
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you have to be careful,as i had a similar thing happen to me ,but the saff bumper will have gone in to damage the grill and bounced back out resulting in the chassis legs being pulled in .[its worth measuring]
i had to have the car jigged at the time ,the only visible damage was a broken light and indicator,the damage cost over 3500 to put right
if it were mine i wouldnt let her claim off her in surance if it reulted in your car being wrote off,its just not right.
cheers james
i had to have the car jigged at the time ,the only visible damage was a broken light and indicator,the damage cost over 3500 to put right
if it were mine i wouldnt let her claim off her in surance if it reulted in your car being wrote off,its just not right.
cheers james
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just double checked with one of my mates who is a claims assessor, cars upto 5 years old it is 60% of vehicle value, any older and its 40%.. sometimes they waver it but with them trying to get as many cars off the road as possible its not looking good!
sorry dude.. looks like your gonna have to smash her face in and rob her purse!
sorry dude.. looks like your gonna have to smash her face in and rob her purse!
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it was on the drive at the house yea, shes spoken to her insurance and they said they're gunna get a guy to come check it over.....
can anyone advise me what the "trade" value would be?
thanks **caz** im gunna need it!!
can anyone advise me what the "trade" value would be?
thanks **caz** im gunna need it!!
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im interested to know if they would do anything as i said above being a drive way makes it private land...can anyone who deals in insurance advice on this and whether it makes a different being private/public land??
x
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just double checked with one of my mates who is a claims assessor, cars upto 5 years old it is 60% of vehicle value, any older and its 40%.. sometimes they waver it but with them trying to get as many cars off the road as possible its not looking good!
sorry dude.. looks like your gonna have to smash her face in and rob her purse!![Surprised](https://passionford.com/forum/images/smilies/bigcry.gif)
sorry dude.. looks like your gonna have to smash her face in and rob her purse!
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i'd rob her purse but she's as skint as shit............ still every penny counts as they say!!!
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cheers for all your advise,ill let you know how i get on tommorrow!!!
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What people have said about 40% value of the car is correct.
If the parts and labour charges come to more than 40% of the BOOK price, not pistonheads price.. TRADE PRICE which will be fuck all these days, they will write the car off!
They done the exact same thing with my mates R32 GTR skyline - he paid 7k for it and he crashed it and damaged the bonnet,wings,headlights,an alloy and various other little bits on the front and the insurance company written it off due to the fact that on their trade price system the car was worth nowhere near 7 grand.
He tried his absolute best and got all kinds of adverts from pistonheads and auto trader saved and emailed them to show thats how much it would cost for a replacement car, he never got the value of his car but i think they eventually paid out more than it was worth on trade.
Good luck mate is all i can say!
If the parts and labour charges come to more than 40% of the BOOK price, not pistonheads price.. TRADE PRICE which will be fuck all these days, they will write the car off!
They done the exact same thing with my mates R32 GTR skyline - he paid 7k for it and he crashed it and damaged the bonnet,wings,headlights,an alloy and various other little bits on the front and the insurance company written it off due to the fact that on their trade price system the car was worth nowhere near 7 grand.
He tried his absolute best and got all kinds of adverts from pistonheads and auto trader saved and emailed them to show thats how much it would cost for a replacement car, he never got the value of his car but i think they eventually paid out more than it was worth on trade.
Good luck mate is all i can say!
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Wouldn't think this is a biggy mate, you can get prices to fix the car at your own garage - I did this years back.
You basically price up sourcing the parts second hand and get a reasonable estimate and if it is below the 40% then they should be fine but wont guarantee the work iirc.
If it is above 40% but you really want the car, then you can see if they will pay you 40% and put the rest in yourself to get it sorted.
As they wont purchased the car from you, it shouldn't be written of or go on hpi.
Only sticking point i can see is if the assessor wants to get the car off the road - sounds daft, but my sister had a CTR and the assessor really didn't want her to have it back, even when she said she could get it repaired and he admited it could be, he still said he wasn't keen on her having it back.
Was very odd, he then went as far as to raise the offer for the car to the maxium by putting the car down as A1 in order for her to make it to good to turn down.
The only reason I can think is that he or someone he would see the car go to would make a decent chunk out of breaking it?
You basically price up sourcing the parts second hand and get a reasonable estimate and if it is below the 40% then they should be fine but wont guarantee the work iirc.
If it is above 40% but you really want the car, then you can see if they will pay you 40% and put the rest in yourself to get it sorted.
As they wont purchased the car from you, it shouldn't be written of or go on hpi.
Only sticking point i can see is if the assessor wants to get the car off the road - sounds daft, but my sister had a CTR and the assessor really didn't want her to have it back, even when she said she could get it repaired and he admited it could be, he still said he wasn't keen on her having it back.
Was very odd, he then went as far as to raise the offer for the car to the maxium by putting the car down as A1 in order for her to make it to good to turn down.
The only reason I can think is that he or someone he would see the car go to would make a decent chunk out of breaking it?
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it was on the drive at the house yea, shes spoken to her insurance and they said they're gunna get a guy to come check it over.....
can anyone advise me what the "trade" value would be?
thanks **caz** im gunna need it!!
can anyone advise me what the "trade" value would be?
thanks **caz** im gunna need it!!