2wdsaff

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????

Dicko&Vacant

iTrader: (3)

Id be more concerned about the fact theyd write it off personally....


Sarah

RSTurboSI

iTrader: (1)

All deppends on your policy pal.

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.

jhot80

they would prob write it off as they wont be able to get any new parts for it.

RSTurboSI

iTrader: (1)

All deppends on the Amount of damage. And age of the car. Condition of the car.

I would agree though, its a though and i may happen as insurance cant be arsed anymore.

D16PJM

Id say they would write that off due to the price of new parts if they are avalible ect, obviously you may be able to buy it back but will be down as a cat d or c.

Pete

COCHYN

And how is your mother in law's jaw looking now?

Glenn_

iTrader: (1)

How fast was she going to do that much damage.

Csm

Wouldnt need to be going fast, sierras are soft as shite unfortunatly

andy130

iTrader: (2)

am telling all u cossie owners to put your cossies some where safe, every day theres one written off

Rick Astley

Is she a MILF? If so, you may be quids in!

Rsmat

iTrader: (2)

gutted mate.. you got any pics lets have a proper look.

m4tt274

iTrader: (2)

LOL.

i would try an get cash. and the insurance would put a standard rad back on.
bonnet, headlight bumper indicators grill. i would recon about Ł450-500 and the Ł200 to paint it all.
but thats if u do most of it urself and find decent bits.

dom123

iTrader: (1)

the insurance will pay out for you to fix it with second hand parts, instead of writing it off.

jason_nike

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!!!

nugnah

i got spare bumper, 4x4 bonnet, headlights and grill if needed.

cheers jason

Csm

Seriously dont get your hopes up mate

cozzymatt

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 :-(

Moonstone Steve.

iTrader: (2)

I was told by an friend in the game that it would have to cover the value of the car before they right it off, could of been talking shit though.

Steve

Rich_bloor

if your fully comp, they have to fix it !!!

they wanted to write off our 1972 mini, but we said we wanted it fixing, so they had to !!!

2wdsaff

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!

2wdsaff

wtf????

dare i ask what "trade" value would be on it?

kidsRS

iTrader: (6)

Bad Bad news
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!

Big G

Bullshit.
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.

2wdsaff

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............................................... ..............

jason_nike

Gonna be a goner then.
Can you buy it back for perhaps spares? If so what would this cost then?

**caz**

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

2wdsaff

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!!

james kiely

iTrader: (5)

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

cozzymatt

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!

bbspolo

Whats a saff worth on trade then? Ł3-Ł3.5k tops

**caz**

no worries, i know that if it was me i'd be screwing! has she said what she will do if they do write it off? can't believe she did it in the first place...does she not like it

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

opposite lock

iTrader: (3)

this is my worst fear , i,d be keeping my mouth shut i reckon n get it sorted yourself if at all possible. Then maybe come to an agreement with her without insurance knowing

MikeR

I hope this misses is saying sorry in her special way for her mums fuck up

Mike

2wdsaff

ah fook this is just great! think im jst gunna tell her to forget it and sort it myself, theres no way im gunna risk a write off over this...

i'd rob her purse but she's as skint as shit............ still every penny counts as they say!!!

cheers for all your advise,ill let you know how i get on tommorrow!!!

2wdsaff

ha i wish, she's away down south on a 3 week course!

kosman

you poor fucker,id be well pissed off,hope you shall be barring her from coming round to yours from now on.

nealo

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!

matts1

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?

nealo

Fuck that, tell her to fuck off man theyl write your car off!! you have to remember they dont give a fuck is a cosworth they just think its an old ropey Sierra!!