Accident. Not good news... End of the road? - Page 3

dave lincs · 26th April 2024, 06:22

Quote:

Originally Posted by AndyN01

Thanks for the reply.

Absolutely do NOT let anyone take the car away. It will "vanish" and then the only "discussion" shall be about money.

Sounds like Admiral have decided that it's definitely a 3rd party 100% liability so are not interested in putting any time or effort into it. This is probably a great result for you.

Be prepared to have an "interesting" discussion with Hastings or whoever they have appointed about the "value" of the car. Get as much info as you can (Reebs pulled an ace out of the pack for the history of mine

) look at actual sale prices etc. etc and I sure you've got a shed load of history/invoices etc. to back up your value.

All the best with it.

Andy.

Very true and always a good idea to print off adverts of cars the same for sale and if they say the car is only worth £700 suggest they find and deliver you one

The most likely outcome will be an offer of money in lieu of repairs

Cable Tie · 30th April 2024, 21:47

Hi Andy pm sent re tailgate in brg

john116 · 1st May 2024, 00:47

Surely just easier to pay someone to fix it, and forget insurance. In Australia, based on the fact the car is more or less worthless, I refuse to pay for insurance. If it gets damaged, the money I save on not having insurance, I can just use to pay to fix it. It's SO difficult to get anyone to pay up, insurance is more or less useless.

Matt_75 · 1st May 2024, 09:44

Quote:

Originally Posted by john116

Surely just easier to pay someone to fix it, and forget insurance. In Australia, based on the fact the car is more or less worthless, I refuse to pay for insurance. If it gets damaged, the money I save on not having insurance, I can just use to pay to fix it. It's SO difficult to get anyone to pay up, insurance is more or less useless.

Insurance is a legal requirement in the UK, you can't drive on the public roads without it. Agree on the difficulties of getting these companies to pay out / pay a fair amount. I'm sure if I wrote of my 75 they would offer a derisory amount.

What happens in Australia if you hit a 3rd party? Presumably you're personally liable for their repair costs? In the UK you can get 3rd party insurance (i.e. insurance that only pays out for the other party) but it's often not much cheaper than fully comprehensive insurance.

Vossy · 1st May 2024, 13:46

My last car was written off with only a broken headlight

it was 15 years ago now and the insurance company was Saga, Vectra estate that I had owned for many years, the insurance company wrote it off without looking at it. It was the third parties fault, she pulled out of a side road and into me, she admitted fault.
I kept my car and a small wedge of cash, but I had to take it to DSVA to be checked after replacing the headlight and a new MOT, my MOT was only a month old then.
Strangely, since then Saga have always refused to quote me for any car insurance even though the other insurance company fully funded the claim

I was looking at Footman James next to get a guaranteed valuation. I did check, and it wasn't much more than my renewal.

30th April 2024, 21:47	#22
Cable Tie Regional Secretary Orange grove ztt cdti Join Date: Jan 2014 Location: Torquay Posts: 2,411 Thanks: 2,297 Thanked 1,381 Times in 818 Posts	Hi Andy pm sent re tailgate in brg __________________ Dreams do come true

1st May 2024, 00:47	#23
john116 Avid contributor Rover 75 Saloon Join Date: Nov 2018 Location: Sydney Posts: 179 Thanks: 82 Thanked 41 Times in 21 Posts	Surely just easier to pay someone to fix it, and forget insurance. In Australia, based on the fact the car is more or less worthless, I refuse to pay for insurance. If it gets damaged, the money I save on not having insurance, I can just use to pay to fix it. It's SO difficult to get anyone to pay up, insurance is more or less useless.

1st May 2024, 13:46	#25
Vossy Why? ... MG ZT+ Cdti Auto saloon. Join Date: Jul 2014 Location: Blockeswich, South Staffs Posts: 1,550 Thanks: 173 Thanked 483 Times in 330 Posts	My last car was written off with only a broken headlight it was 15 years ago now and the insurance company was Saga, Vectra estate that I had owned for many years, the insurance company wrote it off without looking at it. It was the third parties fault, she pulled out of a side road and into me, she admitted fault. I kept my car and a small wedge of cash, but I had to take it to DSVA to be checked after replacing the headlight and a new MOT, my MOT was only a month old then. Strangely, since then Saga have always refused to quote me for any car insurance even though the other insurance company fully funded the claim I was looking at Footman James next to get a guaranteed valuation. I did check, and it wasn't much more than my renewal.