General Car written off by drunk driver

[ChrisUK]

Personally I wouldn't even phone your insurance. The drunken idiot is clearly at fault so up-to his insurance to pay. Phone a solicitor there's reams of them out there that would take on your case without any form of payment and they claim their fee's from the third party. They will make sure you don't get left short and are fully compensated for the whole inconvenience and any 'out of pocket' expenses.

 

[Booth]

Just gonna see how it goes, im gonna try and get as close to 4000 as possible via how Monty said.

 

[Magic Johnson]

Hopefully the Merc driver gets a hefty punishment! Not nice to see at all!

I don't think you'll get £4000 for your car though, insurers very rarely pay out max value, look more towards the book value for a more realistic valuation. £2,800 in your case. Maybe £3,000.

 

[Booth]

Minimum I will accept is 3500.
I will try and get 4000 by showing examples like andy said.

 

[martwho]

use www.whatcar.com/valuations for a very rough estimate

wouldnt use this as the valuations are terrible!

 

[Magic Johnson]

Minimum I will accept is 3500.
I will try and get 4000 by showing examples like andy said.

That's not at your discretion, I'm afraid. They'll offer, you can argue the toss over how much it's worth but they very rarely give more than book value. It's only really in contention when debating the value of a collectors/classic car.

 

[payney1]

OMG

Sorry to hear about this mate, thankfully you weren't in the car at the time.

I hope this drink driver gets a hefty penalty, though in reality he'll probably just get a fine and banned!

Have you considered Gap Insurance for your next car?

http://www.carinsurance.com/kb/content10049.aspx

Well worth the money, though thankfully i've not had to use it.

Hope to see you back in a Grande soon

 

[Booth]

I'll have a look at that Payney Best I've found is with Admiral at the mo.

I've found a list of around 10-12 cars to send to the insurance of 06 or 56 reg grandes, 1.2 as well.....brace yourself...


....all around 5000.

 

[Magic Johnson]

Good luck. Should be the drunk fella that wrote it off paying for it though! In the end it'll be our premiums that will be.

 

[Booth]

No it won't because it's 0% my fault.

 

[ysidfa]

Dont worry about paying out the ass for insurance after youve claimed! Ive recently had quite a bad accident in my Grande 1.2 active and I was mega worried. I looked at a rough quote for next year and the price hasnt changed! Plusss.. im a new driver!
Hope things Get sorted man! Bad to hear of a Grande being wrecked!

 

[Booth]

Was it your fault?

 

[ChrisUK]

I'm guessing not if he's not paying more.

 

[IainG GPS]

Your claim will be settled by your insurer less your excess - your voluntary and compulsory

You will need to ensure you get all your unisured losses (your excess) back off the other party and or insurers.

Until you do so your claim will be classed as an at fault claim by your your insurer and may affect your renewal.

You also have to prove that you have received your excess back.

Should not be a problem in the circumstances but can be a pain.

 

[Magic Johnson]

It will affect your premium indirectly, and everyone elses too. This sort of thing (drunk drivers, uninsured drivers, illegal drivers etc) is why premiums are so high.

 

[Percyhahn]

very sad to see , sorry to hear about your loss.
when i was at fiat, they gave me a little card of a service they offer, if you have an accident, phone fiat accident aftercare http://www.fiat.co.uk/content/?id=20385 and they do everything for you, and fight it for you. its free for fiat owners to . don't know if it helps you at all, but thought id let you know

 

[Booth]

Bit late for that now. The assessor has said the cost of the damage is £5100 therefore written off.
I'm expecting a phone call either today or tomorrow for the first offer.

 

[Booth]

They offered me £2850.
Got £3700

 

[Magic Johnson]

Thought you said you'd only accept £4000!

So, you going for another Grande?

 

[Booth]

The minimum i would have accepted was £3500 really so im reasonably happy considering i got my grande for an absolute bargain at £2800 in july.
Yeah i really liked my grande so im gonna go have a look now!