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Old 02-04-2014   #31
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Re: Write off or repair?

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??
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Old 02-04-2014   #32
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Re: Write off or repair?

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.
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Old 02-04-2014   #33
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Re: Write off or repair?

Quote Originally Posted by Radlet6 View Post
Try a solicitor as it's not your fault. They will have to pay his fees.
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
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Old 03-04-2014   #34
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Re: Write off or repair?

Quote Originally Posted by Most Easterly Pandas View Post
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.
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Old 03-04-2014   #35
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Re: Write off or repair?

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.
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Old 03-04-2014   #36
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Re: Write off or repair?

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.
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Old 03-04-2014   #37
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Re: Write off or repair?

Quote Originally Posted by dave View Post
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.
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.
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Last edited by Doofer; 03-04-2014 at 14:37.
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Old 04-04-2014   #38
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Re: Write off or repair?

http://cgi.ebay.co.uk/ws/eBayISAPI.d...E:B:SS:GB:1120

don't let insurance see that one, but seems cheap if you wanted another one
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Old 04-04-2014   #39
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Re: Write off or repair?

That one might be a "bit" down on power compared with Hal's current ride
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Old 04-04-2014   #40
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Re: Write off or repair?

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!
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Old 04-04-2014   #41
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Re: Write off or repair?



First dibs on the DAB
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Old 04-04-2014   #42
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Re: Write off or repair?

when they come to collect it say you lost the keys, they will get naff all at salvage auction then
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Old 05-04-2014   #43
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Re: Write off or repair?

I'd have kept it, plus the money, and the dents - I reckon you could get them up to 2k + keeping it, minus any non-cosmetic repairs needed and a pot of silver hammerite. But I'm not the sort to spend money on body kit, accessories or a hairbrush either.

Good luck - we still want to know the outcome, even if you are abandoning your friends and getting a normal car instead.
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Old 05-04-2014   #44
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Re: Write off or repair?

Quote Originally Posted by dave View Post
950,000 !!!!!!

Shirley some mistake?
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Old 05-04-2014   #45
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Re: Write off or repair?

Quote Originally Posted by Most Easterly Pandas View Post
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!
late to this but all is correct
even vosa cant cancel an mot
if you are indeed talking to your insurer why?
you need to be put back in the position you were in prior to accident at third parties expense
these people offering you silly figures work for insurers on a commission salary basis ie the less you get paid means they earn more
salvage buy back is usually 10 to 15 % if they are abi members and their protocol allows as many small prints now mean copart get them all
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