OP
OP
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.
General Write off or repair?
- Thread starter halilson
- Start date
Currently reading:
General 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?
why did he refuse a cash in lieu settlement?
Last edited:
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.
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.
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.
this one is £3k and its done 950,000 miles 
http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&item=201065620934&ssPageName=ADME:B:SS:GB:1120
http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&item=201065620934&ssPageName=ADME:B:SS:GB:1120
This post contains affiliate links which may earn a commission at no additional cost to you.
OP
OP
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.
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
Last edited:
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?
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?
Last edited:
OP
OP
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????
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????
Last edited:
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!
OP
OP
ESURE. I have been with them for years because they have always been the best price - now I know why!!! The more I go over what the first bloke said, the more I realise he was hoping for a quick settlement by filling me with bulls##t.
Did I mention it was ESURE??
Did I mention it was ESURE??
Try a solicitor as it's not your fault. They will have to pay his fees. Why not suddenly develop whiplash whilst you're at it?
Bare in mind too that if you do repair, it will still be a Cat Do write off. Which means that when you come to sell it will be worth a lot less. As Cromas are worth eff all when they are perfect I wouldn't like to think what that figure might be.
Bare in mind too that if you do repair, it will still be a Cat Do write off. Which means that when you come to sell it will be worth a lot less. As Cromas are worth eff all when they are perfect I wouldn't like to think what that figure might be.
No they won't as they've started the claim they have the legal right to take over and complete (subrogtion I think, might be wrong, the word escapes me). As they've started no 3rd party solicitor will be interested in getting involved unless paid directly.
For future reference for anyone, if a none fault claim always persue the 3rd party insurer direct, it can sometime be more hassle, but if you know what you're doing you've far more clout. If you go through your own then you'll be bound by their T&C's
No they won't as they've started the claim they have the legal right to take over and complete (subrogtion I think, might be wrong, the word escapes me). As they've started no 3rd party solicitor will be interested in getting involved unless paid directly.
For future reference for anyone, if a none fault claim always persue the 3rd party insurer direct, it can sometime be more hassle, but if you know what you're doing you've far more clout. If you go through your own then you'll be bound by their T&C's
Yes you are right, I claim tiredness in my defence as I was on my way home from work at the time.
Agree about pursuing third party insurers (obviously let your own insurance company know for information only). As a biker there is a great company called Biker's Legal Defence who are bike claims specialists that pursue this lot for you. Don't know if there is anything similar for car owners.
there is "call fiat first" ok for the car side of things but useless for getting a fair settlement for injury.
not sure if these do individuls http://www.ulr.co.uk/ but they are the ones who put me intouch with the company that got me the good settlement with the punto.
not sure if these do individuls http://www.ulr.co.uk/ but they are the ones who put me intouch with the company that got me the good settlement with the punto.
The salvage value sounds silly, and I wonder whether the assessor gets a bonus if you accept his offer?
Sounds like you're heading towards the real world though.
Do you know what the repair cost is? There's a good chance they'll repair it if a write-off would cost more.
Sounds like you're heading towards the real world though.
Do you know what the repair cost is? There's a good chance they'll repair it if a write-off would cost more.
Be very very careful with all claims management companies (especially that Fiat-sponsored one)- do lots of googling and check every word in every contract. These are shark-infested waters!
Edited to add: Don't assume all "solicitors" are pillars of the community either. Often even if you get a real "solicitor" company you may find that an untrained school-leaver is the one actually handling your claim.
There is no reason to use one at all if you're happy to write a few letters and emails and make a few phone calls. Some insurers may try and bully you as an individual, just don't let them.
Last edited:
http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&item=201066428770&ssPageName=ADME:B:SS:GB:1120
don't let insurance see that one, but seems cheap if you wanted another one
don't let insurance see that one, but seems cheap if you wanted another one
Last edited:
This post contains affiliate links which may earn a commission at no additional cost to you.
That one might be a "bit" down on power compared with Hal's current ride
OP
OP
Thanks for all the advice. Sadly I have come to the conclusion that my Croma is headed for the Fiat scrappy upstairs. It's given me over 2 years of fun with a little frustration but I have been very fortunate and not had the majority of woes that seem to hit the Croma. Back to petrol now because the mpg doesn't substantiate the maintenance costs.
This forum has been invaluable and I will keep checking in.
All I've got to do now is haggle some more with my insurance company!
This forum has been invaluable and I will keep checking in.
All I've got to do now is haggle some more with my insurance company!