General Ouch!

[momoe]

Had my first accident in 10 years today, taken out by a lane changing lady whose mirrors weren't working.
Multi has front bumper, wheel, wing and drivers door damage, tracking is shot and the steering wheel isn't pointing where it should, at least it drives.

I'm more f###ed off as the car is/was running well and I was looking forward to
getting through to 2013 without any car hassles.
I'm with LV who have a good name so hopefully it'll all be relatively painless, I'll keep
you updated.

 

[scoobie]

thats not good,,i have a set of silver bumpers for sale if ya need them...with fog lights as well..

 

[widemouthfrog]

Sad to hear that momoe. No injuries to yourself I hope?

Are you going to try to fix it yourself, or wait and see what LV have to say?

 

[boilermansab]

Sorry to say It will be written off no doubt...
Won't take much really..a short trip to the bodyshop = £££

 

[Most Easterly Pandas]

Unfortunate

Hope you get what its going to cost to replace like for like without to much hassle.

 

[pete123]

Is it a write off and if so since its all running ok are u gonna buy it bk off insurance if they don't repair or is the car a total loss

 

[boilermansab]

Good call pete123, I done that with my coupe 20vturbo that sadly got wrote off...bought it off them for £157 then sold it on for £400 so clawed some mooney back there...it may well not come to that...but if it does, you are well in you're right to buy it back off them!

 

[Most Easterly Pandas]

If OP claims directly from 3rd party they won't need to buy it back as the 3rd parties insurance company have no right to salvage, but sounds like they're going through their own.

 

[pete123]

Good reply most east pandas I'm not sure how all insurance company's work never had accident but have brought some cat d and c vechiles but I am still not 100 per cent on why they cat them I call a write off something that is smashed to prices or bent underneath

 

[urchin]

our seicento got written off a couple of years ago vandals rolled it onto its side in the middle of night we brought it back and repaired it it was a cat d so a new mot and it was back on the road however when it came to insurance renewal time we had trouble insuring it as it was on the register as a total loss and a few places refused to insure it.

 

[Most Easterly Pandas]

I am still not 100 per cent on why they cat them I call a write off something that is smashed to prices or bent underneath

Its due to the reason its been written off, IE if beyond economical repair (normally a CAT C) or if claim costs will be higher than vehicle value. IE car may be worth £7k but only £4k to fix, but if its going to take 4-5 weeks to repair due to having to order parts, when a courtesy car is prices up, along with other costs, might make it cheaper to pay out for vehicle value in cash.

Lots of different reasons.

 

[Most Easterly Pandas]

our seicento got written off a couple of years ago vandals rolled it onto its side in the middle of night we brought it back and repaired it it was a cat d so a new mot and it was back on the road however when it came to insurance renewal time we had trouble insuring it as it was on the register as a total loss and a few places refused to insure it.

Its interesting as to if it needs to be declared upon insuring the car after being written off, as a no point is it normally asked, or in a policies small print.

 

[pete123]

So the insurance company must suffer a loss somewhere when u but them back from a claim I now understand the cad d and c but if u think about it they pay out a grand on a car and then sell it bk for scrap value

 

[pete123]

Sorry to take space up momoe just wondered about the above

 

[Most Easterly Pandas]

So the insurance company must suffer a loss somewhere when u but them back from a claim I now understand the cad d and c but if u think about it they pay out a grand on a car and then sell it bk for scrap value

The company will normally offer buy back for the cost they'd sell it to a breaker for as scrap.

The rest they'll take as a loss.

Unless its a 3rd party insurance company, who will take a complete loss if you don't let them take the car as salvage.

 

[N&J]

Be interested to see how this pans out. I dread the same happening. I've had my 04 roundnose from new and have 93,000 on the clock now so she's probably worth nothing much, but we'd hate to lose her.

Nick

 

[urchin]

Its interesting as to if it needs to be declared upon insuring the car after being written off, as a no point is it normally asked, or in a policies small print.

we didnt tell them they told us as soon as we told them the reg number

 

[momoe]

N&J, spot on!

I've had the car from a relatively low mileage, have done lots of work on all the usual Multi weak points and now have a reliable, economical car which isn't going to depreciate much, just fitted a new battery as well!

On looking over the car in daylight, there's a bulge on the n/s/f tyre where I must have bounced off the kerb, wheel will need checking out too, other than that it's bumper, wing and door.

I'm now waiting for the assessors to view the car next Tuesday, My insurers aren't happy with the car being driven due to the steering issue so have arranged a courtesy car.

Car arrived and was rejected half an hour later as the heating didn't work, 11 plate Seat Alhambra with 27k - AA man came round and reckoned the heater matrix valve had gone which was buried in the middle of the dash - More than a few hours labour there!
It's a lovely car, quiet, handles well, brisk and well appointed but without heating it's no use to me.
Apparently, they're supposed to detect faults but if it's fault logic can't work out there's a problem if the coolant temperature is 85c and the matrix heater is16c (ambient) with the matrix valve open, then maybe there's an issue.

When cars like the Multi are gone, we'll have cars like the Seat to deal with, CANBUS wiring, heavy reliance on electronics and less mechanical interfaces.
I only hope their complexity is reflected in their second hand value which I expect to be very low after 6-7 years.

 

[momoe]

I was looking at cat C and D cars earlier (just in case!), I got an online quote for the car and then contacted LV and asked them about cat C insurance.

Their stance is that if the car has a VIC (VOSA inspection certification) and a valid MOT, i.e. Roadworthy then they have no problem with insurance.
They don't even want sight of the VIC but may require it in the event of an accident.
Sounds pretty straightforward, even sensible.

 

[Most Easterly Pandas]

I was looking at cat C and D cars earlier (just in case!), I got an online quote for the car and then contacted LV and asked them about cat C insurance.

Their stance is that if the car has a VIC (VOSA inspection certification) and a valid MOT, i.e. Roadworthy then they have no problem with insurance.
They don't even want sight of the VIC but may require it in the event of an accident.
Sounds pretty straightforward, even sensible.

Good to know, one of our CAT D's is currently with LV.