Accident write off
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Barbs
Night Fury
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Accident write off
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.
It looks repairable to me. Do you think I should accept this offer? I would much prefer to have my darling car repaired
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.
It looks repairable to me. Do you think I should accept this offer? I would much prefer to have my darling car repaired
Night Fury- Took the roof down
- Posts : 48
Join date : 2015-09-17
Location : West London
Re: Accident write off
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.
Barbs- Admin
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Join date : 2015-03-14
Age : 62
Location : Doncaster, South Yorkshire
johntymac- The Wind in your hair
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Join date : 2015-04-14
Age : 71
Location : Stepps, Glasgow, Scotland
Re: Accident write off
Any update? What did you decide to do?
Barbs- Admin
- Posts : 2973
Join date : 2015-03-14
Age : 62
Location : Doncaster, South Yorkshire
Re: Accident write off
Not sure if this is the right choice, but I will accept their offer of £4,800 and find a low mileage replacement.
Night Fury- Took the roof down
- Posts : 48
Join date : 2015-09-17
Location : West London
johntymac- The Wind in your hair
- Posts : 115
Join date : 2015-04-14
Age : 71
Location : Stepps, Glasgow, Scotland
Re: Accident write off
can u keep your old one too? for parts?
Dr@gon- The Wind in your hair
- Posts : 195
Join date : 2015-05-30
Location : wiltshire
Re: Accident write off
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
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)
Night Fury- Took the roof down
- Posts : 48
Join date : 2015-09-17
Location : West London
Re: Accident write off
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.
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.
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Araf- Admin
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Age : 107
Location : 22 miles from Calais
Re: Accident write off
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
If only there was a garage we could all send our cars when something goes wrong
Night Fury- Took the roof down
- Posts : 48
Join date : 2015-09-17
Location : West London
Re: Accident write off
Front end shouldn't be a issue as that is just a Twingo.
Barbs- Admin
- Posts : 2973
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Age : 62
Location : Doncaster, South Yorkshire
Re: Accident write off
i would buy it of you
Dr@gon- The Wind in your hair
- Posts : 195
Join date : 2015-05-30
Location : wiltshire
Re: Accident write off
Sorry to see. Looks like at least the pay out is reasonable based on what's for sale on autotrader. Happy new year
Bullyboy- The Wind in your hair
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