mplavery Posted March 20, 2008 Share Posted March 20, 2008 About a week ago when i was driven to work some old lady went up the ass of me, Anyways i was nice and carm because it was my 306 td so was not that botherd. I made sure she was alright and looked at the damage. Was not major she just cracked my bumper. Anywas i said would you like to do it through insurance or sort it between us. She said insurance. I was worried though since the car was a N reg and not worth much it would be written off. Anyways i got a call the next day saying she wanted to do cash, so i said for a new bumper and sprayed it will cost £480 but just give me £400 cash which she was fine with.I thought i will not replace it and be quids up GREAT...Anyways i week has gone and no chq. So i called her up and she said her son wanted to have a word. Saying he cant beleive it costs that much bla bla bla.He was saying all the bumpers are the same and cost about £150(Like i said i had the sports one with the xsi bumpers and it was £340.I was SOOOO ANGRY. Now she wants to go through insurance. I now have the risk of the car being a write off. So now the bill to them is going to be £500 if it gets carried out. I really hope it kills her on the insurance. OH he also said because she had a flash car i might of thought she had loads of money and was trying to rip her off.It was a new mini, Oh yea there loads of Fuc**ng money YOU TW*T) As you can see im not in the best of moods....Its a nice clean 306 td with sports bumpers as well . I will have to try and buy it back of them. Quote Link to comment Share on other sites More sharing options...
Daston Posted March 20, 2008 Share Posted March 20, 2008 if it was not your fault then they cannot write it off it is in your rights that it gets put back the way it was. Quote Link to comment Share on other sites More sharing options...
Scott Posted March 20, 2008 Share Posted March 20, 2008 if it was not your fault then they cannot write it off it is in your rights that it gets put back the way it was. Yip. Happened with one of the guys in my work. I wasn't sure if they couldn't write it off but i know its a damn site harder if your adament Scott =op Quote Link to comment Share on other sites More sharing options...
mplavery Posted March 20, 2008 Author Share Posted March 20, 2008 if it was not your fault then they cannot write it off it is in your rights that it gets put back the way it was. But if the repair is more then book value the car will be written off They will not repair a car if the repairs cost say £1000 but the car value is £500 the cost of the car being repared is going to be about £500 Quote Link to comment Share on other sites More sharing options...
marbleapple Posted March 20, 2008 Share Posted March 20, 2008 But if the repair is more then book value the car will be written off They will not repair a car if the repairs cost say £1000 but the car value is £500 the cost of the car being repared is going to be about £500 I think Datson is saying that if the car is damaged and it is someone else who did it, their insurance can't write it off, they have to fix it. If you claimed through your insurance though, they could write it off. Quote Link to comment Share on other sites More sharing options...
downimpact Posted March 20, 2008 Share Posted March 20, 2008 yes i agree only your insurance company can write off your car, as it's someone elses fault you can insist on it being fixed instead. As a general note when your insurance company decides about whether a car is written off, if the repairs total half the value of the car it's declared a write off. Good luck hope you get it sorted quickly. Quote Link to comment Share on other sites More sharing options...
RiceRocket Posted March 20, 2008 Share Posted March 20, 2008 Surely a cracked bumper cannot mean its a write-off Quote Link to comment Share on other sites More sharing options...
snake Posted March 20, 2008 Share Posted March 20, 2008 if it was not your fault then they cannot write it off it is in your rights that it gets put back the way it was. sorry not true,my mondeo was written off, a jag crashed into the back when i was stationary.it was classed as cat c if the repair cost is more than a precentage of the cars value its written off.Also if it is a write off you wont get a courtacy car .IF it goes for repair you will. you should be ok if its just the bumper good luck Quote Link to comment Share on other sites More sharing options...
mplavery Posted March 20, 2008 Author Share Posted March 20, 2008 well there is one thing i can do is that i will get money if its written off then i can buy the car back for £50 Quote Link to comment Share on other sites More sharing options...
snake Posted March 20, 2008 Share Posted March 20, 2008 well there is one thing i can do is that i will get money if its written off then i can buy the car back for £50 IF they write it off start looking at car prices so you have an idea of the market value of your car.don't take the first offer, for some reason its always low. Quote Link to comment Share on other sites More sharing options...
Bryan_Jones Posted March 20, 2008 Share Posted March 20, 2008 IF they write it off start looking at car prices so you have an idea of the market value of your car.don't take the first offer, for some reason its always low. I've heard this too. Get what the car is worth. Hopefully it won't come to it anyway. Quite often insurance comapanys only go to 50% of the car value in repairs (well so I've heard). If the car is worth £1000 and the repair is £500 you should get away with it. Quote Link to comment Share on other sites More sharing options...
mplavery Posted March 20, 2008 Author Share Posted March 20, 2008 I written a mr2 off before, think they give you 3 offers from what i remember Quote Link to comment Share on other sites More sharing options...
Pig Posted March 20, 2008 Share Posted March 20, 2008 call if you want help, its my job to manage this type of thing. Quote Link to comment Share on other sites More sharing options...
mplavery Posted March 20, 2008 Author Share Posted March 20, 2008 call if you want help, its my job to manage this type of thing. Great thanks mate, will do if things dnt go well... Its just a load of hasstle that you dnt need , Its must of been really hard to spot a bloody bright red car bang in front of you....IN TRAFFIC! Quote Link to comment Share on other sites More sharing options...
Pig Posted March 20, 2008 Share Posted March 20, 2008 It needent be must hassel. Just call an accident managment company and let them deal with it! Quote Link to comment Share on other sites More sharing options...
downimpact Posted March 21, 2008 Share Posted March 21, 2008 call if you want help, its my job to manage this type of thing. out of interest then can another insurance company write off your car? Or only your own company? Quote Link to comment Share on other sites More sharing options...
stevie_b Posted March 21, 2008 Share Posted March 21, 2008 out of interest then can another insurance company write off your car? Or only your own company? That's the $64,000 question. I thought only your own insurer could force you to write off your car, but I have very little expereince of this. I did have a previous car that someone else ran into the back of (similar to this thread). The car was on its last legs anyway, so I let the insurers write the car off and give me the money. If I had wanted to keep the car on the road, perhaps I could have insisted that it be repaired no matter what the value/cost ratio was. Quote Link to comment Share on other sites More sharing options...
razza Posted March 21, 2008 Share Posted March 21, 2008 It needent be must hassel. Just call an accident managment company and let them deal with it! Quote Link to comment Share on other sites More sharing options...
Scott Posted March 21, 2008 Share Posted March 21, 2008 sorry not true,my mondeo was written off, a jag crashed into the back when i was stationary.it was classed as cat c if the repair cost is more than a precentage of the cars value its written off.Also if it is a write off you wont get a courtacy car .IF it goes for repair you will. you should be ok if its just the bumper good luck It is true. The only person that can write off your car is your insurer. If someone else is picking up the tab, ie the other persons insurance, then they must repair the car while it is safe to do so. If there is any structural damage that would jeopardise the safety of the car then it will be written off but if it can be repaired, it will. Same goes for modified cars. If someone bumps into you the insurance company must repair the car to the standard it was at before the incident regardless of value or cost. Example... Glass evaluation £200 fiesta with £1000's spent on it. Cracked bumper costing £200 not including paint. If its your fault the car will be written off, if its not your fault the other insurance company MUST repair it. The other insurance can push to have you write off your car but only with your consent. If it were me they would have to make a VERY good offer for me to be willing to do this. Scott =op Quote Link to comment Share on other sites More sharing options...
mplavery Posted March 21, 2008 Author Share Posted March 21, 2008 hopfully i can answer your qsts soon guys and gals...I will let you know what happens Quote Link to comment Share on other sites More sharing options...
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