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Old 29-03-2014   #16
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Re: Write off or repair?

Unbelievable.What a shame,proper bad news mate.I would think the rear lower quarter is repairable,the door is just a straight swap.My wifes first 500(wr60 fha) got hit by an uninsured gobsh.te in Toys are us when it was just 6months old.That looked very similar to yours,same height but the full side.New wing,new door,rear quarter jigged.Turned out ok in the end.Good luck.
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Old 02-04-2014   #17
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Re: Write off or repair?

I've just heard back from the insurance......
Cat D write off and 1345 if I want to keep the car or 2150 if I let them have the car!!! If I keep the car I have 60 days to repair and mot the car and send them proof. Otherwise they will cancel my insurance. What a load of b####cks.
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Old 02-04-2014   #18
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Re: Write off or repair?

What's the basis of the 1345? Are they saying the scrap value would be 805?

Do you think you could get it fixed for 1345 (or less!)

I know exactly what I'd do - leave the crease, dab some paint on it to stop rusting, take the money, get an MOT and have a beer! But I know you're quite a car-proud sort, and you've already spent wads making yours look like you want it to.
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Old 02-04-2014   #19
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Re: Write off or repair?

I would be asking how they arrived at the market value for a car where there were less than 35 examples ever sold, and the last advertised one went for 40% more in the last month!
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Old 02-04-2014   #20
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Re: Write off or repair?

Yes they say the salvage value is 35%! I can't see a breaker paying over 800 for a written off Croma.
What annoys me is that insurance is supposed to be there for repairs if they are ever needed. I have an accident that wasn't my fault and I am the one out of pocket.
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Old 02-04-2014   #21
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Re: Write off or repair?

Quote Originally Posted by evo-number-one View Post
I would be asking how they arrived at the market value for a car where there were less than 35 examples ever sold, and the last advertised one went for 40% more in the last month!
I said that to the assessor but he said they have to go by Glasses guide price which is 2300 less my 150 excess. I am going to fight it but don't know the best way to go about it.
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Old 02-04-2014   #22
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Re: Write off or repair?

they are trying it on its your car they cant charge you so much to keep it, current scrap price is 100-120 a ton

why did he refuse a cash in lieu settlement?
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Old 02-04-2014   #23
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Re: Write off or repair?

They use Glass's guide for their first offer, but it's negotiable beyond that. They're usually completely reasonable once you talk to them. There's no limit to the amount they will increase it by, but you need to show them why they should.

It's no use ringing them up and moaning - you need to put together evidence in a nice readable format. Basically, you need to be able to go out with their wad of cash and buy something that's the equivalent of yours. So get on your computer and print lots of car ads out. The closer spec to yours the better.

Put together a document that compares yours against the ads you've enclosed. E.g. this one is x but it's higher mileage, this one is y but it's a lower model. Then argue towards your conclusion that z is the amount they would need to pay you to put you back where you were before the accident. Make it businesslike, not moaning!

The 150 excess will need to come off this amount, but you can claim that back from the idiot's insurers directly. You can also add any other expenses to the excess at the same time, e.g. letter writing, hire cars, phone calls etc, etc. You could possibly also claim for the cost of transferring your body kit too, although I'm not sure how well you'd do with this one - I've never seen it done before but it's worth a try.

Good luck.
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Old 02-04-2014   #24
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Re: Write off or repair?

Quote Originally Posted by dave View Post
why did he refuse a cash in lieu settlement?
I'd assume the estimated repair cost is more than the assessed value.

You may find that if you can persuade them it's worth more then that might mean they want to pay for the repairs instead of writing it off. It depends on the amounts involved.

E.g. if the repair cost is 2800 and you persuade them it's worth 3000 then they'll just pay for the repairs instead of writing it off.

Depending on whether you want it repaired or written off, you could tweak your valuation either above or below the repair cost. E.g. you might be happier with a write-off just under the repair cost than you would be with getting it repaired.
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Old 02-04-2014   #25
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Re: Write off or repair?

this one is 3k and its done 950,000 miles

http://cgi.ebay.co.uk/ws/eBayISAPI.d...E:B:SS:GB:1120
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Old 02-04-2014   #26
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Re: Write off or repair?

Thanks for that Dave. In reply to your earlier question; apparently cash in lieu is not an option when it's written off?! That's what they told me anyway.
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Old 02-04-2014   #27
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Re: Write off or repair?

they shouldn't have written it off, when a bloke went into the back of my punto the guy said it would be a cat d if i didnt want cash in lieu settlement, but as i was taking the cash in lieu it wont have a cat on it. and that had a bent boot floor. i got more money than the car was worth
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Old 02-04-2014   #28
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Re: Write off or repair?

What's the thing about sending them the MOT then? Are they going to not mark it as written off on the register if you prove it's roadworthy?

I forget the categories, but I doubt it's wrecked - it's just the repair cost vs the car value that's the issue. As I said, if they increase their valuation then it may become repairable.

How many thousands do a garage want to hit it with a hammer a few times then gob some filler on?
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Last edited by Doofer; 02-04-2014 at 15:56.
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Old 02-04-2014   #29
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Re: Write off or repair?

The mot gets cancelled and I have to re mot it once the damage has been repaired.

The 1st engineer I spoke to was definitely trying it on because he basically said take it or leave it. He was pushing me to accept straight away and when I said I wanted to think about my options he said he would ring back this afternoon, an offer that I declined.

The second person gave me a lot more options (but still not the full picture methinks) and they have elevated the case with my 4k valuation in mind and also put a query in as to why the salvage value is so high.

The car is driveable and legal while this goes on, so I am in no hurry to accept their first offer. They still haven't had a response from the knob that hit me.
Once I accept an offer my mot is voided and the insurance gets reduced to 3rd party until the repairs have been carried out.

How would they treat me if it was my fault????
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Old 02-04-2014   #30
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Re: Write off or repair?

Quote Originally Posted by dave View Post
they are trying it on its your car they cant charge you so much to keep it,
Sounds like OP is going though his insurer and not directly through 3rd Parties, so they can

The bit about insurance being cancelled is BS though, I'd be contesting that as you don't HAVE to repair it, you could take the money and keep the car as it is providing its roadworthy.

CAT D doesn't require re MOT either, our Panda was CAT D when 3 months old, didn't get MOTed until it was 3 years old.

Who you insured with OP? Sounds like they need naming and shaming so we avoid them like the plague!
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