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Accident write off

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Post by Night Fury on Mon 19 Dec 2016 - 10:49

Disaster struck last week on the way to work. A car pulled out of junction and collided with the front of my beloved Wind 1.6L, resulting in the passenger front being crushed. It seems that the driver of the other car was hooking around another car, so he attempted to cross the road without knowing what was coming on the other side.

To cut a long story short, the other driver admitted liability but theinsurance company says it will cost more to repair my car than its worth. I can't be sure if this is true, but I understand the insurance company will be able to cut its loss if they get the scrap value of the car. In the meantime they have offered me £4,800 to settle the claim, a value they refer to as the "blue book" value.


Accident write off Damage10

It looks repairable to me. Do you think I should accept this offer? I would much prefer to have my darling car repaired  Sad
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Post by Barbs on Mon 19 Dec 2016 - 22:20

The purple one (Ford Ka) is an insurance write off. Not me but I got it cheap because of it. I would ask them to pay out but give you the car. The problem is if its tail-ended or roof damage.

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Post by johntymac on Tue 20 Dec 2016 - 11:20

wind Embarassed

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Post by Barbs on Wed 21 Dec 2016 - 7:23

Any update? What did you decide to do?

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Post by Night Fury on Wed 21 Dec 2016 - 11:41

Not sure if this is the right choice, but I will accept their offer of £4,800 and find a low mileage replacement.
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Post by johntymac on Wed 21 Dec 2016 - 11:49

wind Very Happy

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Post by Dr@gon on Wed 21 Dec 2016 - 19:58

can u keep your old one too? for parts?
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Post by Night Fury on Thu 22 Dec 2016 - 15:14

No, the insurance company will sell it as scrap to cut their losses.

There is an interesting article: The truth behind category D insurance write-offs


Last edited by Night Fury on Fri 23 Dec 2016 - 9:24; edited 1 time in total (Reason for editing : Added link to newspaper article)
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Post by Araf on Sun 25 Dec 2016 - 22:31

I'm late to the party here, but usually the insurance company will let you have the car as part settlement - eg if they offer £4800 as full and final settlement but will get £600 for the wreck, they are happy for you to have the wreck and £4200 or thereabouts.
You would then have virtually a complete donor car (if you have the space) for spares and still have enough money for the replacement, or you could then collect the parts you need at your leisure, repair it and sell it as a repaired CAT D once it is all done.

Anyway, £4800 is a good offer, and should get you the best on the market, if you're having another Wind.

Glad you're okay. Smile

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Post by Night Fury on Fri 30 Dec 2016 - 15:27

I would be tempted to buy the wreck, as I think it is repairable. The problem is, I don't know of any garage that specialises in their repair, and could give me an accurate quote. Here in London, car repairs are expensive.

If only there was a garage we could all send our cars when something goes wrong Sad
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Post by Barbs on Fri 30 Dec 2016 - 18:24

Front end shouldn't be a issue as that is just a Twingo.

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Post by Dr@gon on Sat 31 Dec 2016 - 17:20

i would buy it of you Smile
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Post by Bullyboy on Sat 31 Dec 2016 - 21:39

Sorry to see. Looks like at least the pay out is reasonable based on what's for sale on autotrader. Happy new year
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