hi guys this afternoon at 2.15 i was driving to a friends and a woman pulled out of a side junction and smashed right in to my passengers wheel i got her details etc but i think my car will be a right off the wheel looks like its been pushed in and the steering is really bad its so light i had to drive home it was 2 mins from my house and the car was sliding i got to the car park turned the wheel and the front end slid on the road my car is a y reg fiat punto 1.2 16v if it was a right off how much would they give me for it im worried its not going to be much and i wont have enough money for another car. im so angry i love my car, any advice would be great thanks heres some pictures.

And they say WOMAN are better Drivers?
Sorry about the woman crashing into yo but get car on ramp to check damage to [chassis] ect.

Mybe she was on phone and playing a tulu plus driving as woman are better at ??????

It could be a simple fix or it could be expensive you cant tell till you get it in bits

It could just be a bent wishbone or the entire chassis could be stuffed....

whatever andy?its a older car?

miff121 said:

whatever andy?its a older car?

Click to expand...

well he has 2 chances insurance co's seem to go in phases of writing cars off for minimal damage or repairing them even if they look beyond hope..

A colleague's '05 Yaris was side swiped by a woman who pulled out without looking. My colleague was pushed into the opposite verge. The damage looked like a slightly detached bumper and a wing ding, but the insurers determined the chassis was deformed, and wrote it off. She has just got £3,600.

She has replaced the Yaris with a two year old C4 1.6 Diesel, 40,000 miles and fully specced. I think she paid c.£4,500 for the Citroen.

it will go to the garage on monday i think they will pick it up, i think its worse then it looks, the steering was really bad and the wheel has been pushed in lots, do u think i would get at least £1000 for it? if it is written off?

so u think i should get atleast £1000 for it then ?

In this climate and current economic state you will be lucky to get a grand for it, i dont think you will get anywhere near it, probably half of that £500

Everyones tightening their belts, insurance companies as well

well every where i look theres puntos same as mine and even a couple years older and there selling for £1200 -£1400 £500 is a bit low my brother works for vospers and said i should get around £1000

fletcher11 said:

well every where i look theres puntos same as mine and even a couple years older and there selling for £1200 -£1400 £500 is a bit low my brother works for vospers and said i should get around £1000

Click to expand...

Basically technically they've got to pay you what it would cost to replace the vehicle, so the price of the vehicle and what it would cost to physically get another one. But not many people know this so they try to pay just what you'd get if you sold the car.

Go onto eBay and see what they're going for. If need be print off and quote listings

Hope it will be repaired though.

Jon.

thanks so much Most Easterly Pandas thats a great help, most puntos i have seen same age as mine are going for £1200 on autotrader i will look on ebay and print some off.

If they do write it off, don't just accept their first offer, it will be on the low side. As MEP has said get quotes for a replacement to back up your refusal.

Good luck

Trev

so if they ring me and say its a write off and offer me something an amount thats very low what do i say i dont accept that i dont know my rights on this, i have been looking on ebay and auto trader and all the cars i found that are in the same condition as mine some even with stupidly high milage are still over a grand i have saved the sites but my printer is not working so i cant print them off.

i had a look at that web site but i didnt know what amount i would be offered as i know nothing about cars and have no experiense with writing off cars.

fletcher11 said:

well every where i look theres puntos same as mine and even a couple years older and there selling for £1200 -£1400 £500 is a bit low my brother works for vospers and said i should get around £1000

Click to expand...

they probably havent have loads of scratches down the side, a damaged/buckled wheel and potential suspension damage

This thread may be of interest https://www.fiatforum.com/cinquecen...n-off-but-practically-nothing-any-advice.html

note how much he bought it back for, and its not much older than yours and has less damage

1999 punto mk2s still go for over £1500

fletcher11 said:

so if they ring me and say its a write off and offer me something an amount thats very low what do i say i dont accept that i dont know my rights on this, i have been looking on ebay and auto trader and all the cars i found that are in the same condition as mine some even with stupidly high milage are still over a grand i have saved the sites but my printer is not working so i cant print them off.

Click to expand...

If they ring you up, say you don't wish to discuss the matter over the phone, and that your only willing to do it in writing. That way you A) have an audit trail for yourself, B) don't trip yourself up on the phone (I'm forever doing it ), C) will give you more time to think about what you want to say, and read through what they're written to you

thanks for all your help i will have to wait and see what happens now i get the hire car tomorrow and the garage is meant to ring me to let me know whats gonna happen and when they will pick my car up, i just wanted to get all the information i could before the garage takes it, my brother has coem round and had a good look and he said it will be a write off for sure, he friends girlfriend had the same happen to her 3 years ago it was a fiat punto same as mine was but was a year older they offered her £1500 she said no and they came back and offered her £2000 for it i know that was 3 years ago.