Some complete tosses has pulled out from a junction and hit the side of my rs1800 today

I'm not really clued up on the insurance side of things. Have everything to prove he was at fault

Now I want to keep the car regardless and get it sorted. I have notified the insurance but that's as far as it's gone so far. I really don't want it to go through the insurance as they will probably write it off.

Minimal damage to his car, probably a respray of his bumper would sort it. Mine needs new door and rear quarter.

What's my options? Can I fix it myself? If I don't claim and he does on his will that effect me?

I know I'll have to foot the bill if it doesn't go through the insurance but I'm prepared to do that so that it doesn't get written off

Advice needed before I speak to the insurance

Cheers!

 

If it was his fault his Insurance Company will have to pay for repairing your car. If he claims on his Insurance company for his own damage they will want all of your details so I think you have to tell your insurance company about the accident.Why do you think your car will be written off? The damage has to be over a certain percentage of the cars value before its written off. As its a fairly rare car now it must be worth quite a bit? If your car had just had a few scratches then yes maybe repair it yourself but from the sound of it, it needs to be repaired properly.

 

It always amazes me that insurance company’s
Will pay for you to have your car repaired but then it’s classed as a right off in one way or another seriously devaluing the car should u ever want to sell it. I think if the cars fixed by an insurance approved bodyshop then that should be good enough to not have anything registered against it as long as it’s repaired to a standard that makes it just as good pre accident. My mate has a nice golf that someone hit the door, repaired at an insurance approved bodyshop but now he wants to sell it couple of years later and it’s worth fook all because of the record against it. I can understand if he got it fixed elsewhere. I suppose it would be open to abuse somewhere along the line if that was the case though

 

I'd imagine it would be a write of as its passenger door and rear quarter. Car will be worth nothing if it's a cat d/c. I'll ring them and see what they say

 

Gutted for u mate, nothing worse than someone hitting your pride and joy. A lady drove into the side of my saph once and damaged both o/s doors. Managed to straighten them to a point but still need new doors when I get the respray done

 

Cat C and D no longer exist. Its now S (structural) and N (non structural).

Its harder for someone else's insurers to write your car off, as they have a duty to return you, the victim of their customer, to the position you enjoyed before then collision, or else provide you with the financial wherewithall to restore you to the position you enjoyed prior to the incident. They will inevitably try it on, but theyre lawfully obliged to compensate you in full. A valuation from a DVLA recognised Ford club might help your case.

If you don't get your car fixed, or given the cash to buy another of equivalent value/quality you can raise a complaint with the financial services ombudsman, and they uphold over 50% of cases so if your claim is reasonable and justifiable you've a good chance.

Unless you've some emotional attachment to the vehicle, or it has some interesting provenance (it was once owned by Princess Di etc) its not worth the effort of buying it back unless you can get an N certificate, but even then you'll lose out if you ever sell it.

Glad you're OK though, that's the important thing.

 

back in the day you could claim of the t/p's insurance and they would fix it, not sure if it's the same now

 

I still cant see why it will be written off, I would see if his insurance company will agree to it being repaired first, surely the damage is not that severe?