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Author Subject: Stuffed up the arse..
braymond

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Post #1
Some 21hours on, I'm still wide eyed and shaking my bemused head, after getting shunted from behind in traffic last night.

On the outside the car doesn't look so bad, stoved in bumper and panel above the bumper, cracked number plate - no biggy. By my relief was short lived when i then looked inside and found the boot floor is bent and creased accros the width, about 100mm in from the back. Its hard to image I wont be soon hearing the words "beyond economic repair" fall causally from the mouth of some insurance donkey. Sad

Ive had the Rallye some 4 years now, and have FINALLY got it where I want it, being the perfect compromise between road and track.

Its all bitterly bitterly disappointing.

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Posted 15th May 2012 at 14:58
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dangti6

aka JKshooter

Location: Taunton, Somerset

Registered: 15 Jun 2006

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Post #2
Sorry to hear that Sad

Is the car all above board RE insurance with everything declared?

Hope it works out for you.

What hit you and was there much damage to that?

It may end up being a write off with the option to buy it back. New bumper and repaired panel and you still have your car.

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    • Posted 15th May 2012 at 15:02
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    braymond

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    Post #3
    dangti6 wrote:
    Sorry to hear that Sad

    Is the car all above board RE insurance with everything declared?

    Hope it works out for you.


    Yes.

    And i have an agreed value of £4500 but I'm not sure thats going to be worth the paper its printed on..

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    Rallye-R

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    Posted 15th May 2012 at 15:03
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    stan_306gti6 Forum Admin

    Location: Kent

    Registered: 18 Jan 2004

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    Post #4
    Cry

    It will be a write off for sure. Yes Sad
    If you can buy it back and fix the damage, that will be your best option. Yes

    Absolutely gutted to hear this, always loved the looked of your Rallye. Sad

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    Posted 15th May 2012 at 15:08
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    dangti6

    aka JKshooter

    Location: Taunton, Somerset

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    Post #5
    I'm interested to hear how that goes.

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    • Posted 15th May 2012 at 15:11
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    braymond

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    Post #6
    stan_306gti6 wrote:
    Cry

    It will be a write off for sure. Yes Sad
    If you can buy it back and fix the damage, that will be your best option. Yes

    Absolutely gutted to hear this, always loved the looked of your Rallye. Sad


    Thanks

    What would be involved in repairing a creased floor? And more importantly, what is it likely to have done to the chassis? impact speed was low, prob 10mph, but it was still force enough to get folding.

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    Rallye-R

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    Posted 15th May 2012 at 15:13
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    aaron6

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    Post #7
    Mattyrallye had exactly the same damage as described. Was about a grand to fix properly. Sad
    Looks spot on now though! Smile
    If you go through insurance it'll defo be a write off. Or you can fix it yourself. Depends what your excess is and if the bloke who hit you will contribute instead of going through insurance.

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    Posted 15th May 2012 at 15:14
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    braymond

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    Post #8
    aaron6 wrote:
    Mattyrallye had exactly the same damage as described. Was about a grand to fix properly. Sad
    Looks spot on now though! Smile
    If you go through insurance it'll defo be a write off. Or you can fix it yourself. Depends what your excess is and if the bloke who hit you will contribute instead of going through insurance.


    Too late for all that, its already rolling down the insurance route.

    The other party has accepted full liability so I wont be claiming against my policy and therefore wont pay any excess or lose no claims *IF* its possible to repair. Otherwise I guess i'll look into buying it back and what options that leaves me.

    what I do know is that the whole situation is horses**t

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    Rallye-R

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    Posted 15th May 2012 at 15:20
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    braymond

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    Post #9
    And just to get a little more salt in the already open and infected wound, my VTS quick rack turned up today..

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    Rallye-R

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    Posted 15th May 2012 at 15:22
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    dangti6

    aka JKshooter

    Location: Taunton, Somerset

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    Post #10
    braymond wrote:

    Too late for all that, its already rolling down the insurance route.

    The other party has accepted full liability so I wont be claiming against my policy and therefore wont pay any excess or lose no claims *IF* its possible to repair. Otherwise I guess i'll look into buying it back and what options that leaves me.



    Unfortunately your premuim will increase though come renewal time as you will now be ticking the 'Yes' box when asked 'have you been involved in an accident in the last 5 years'. The fact it wasn't your fault, or your claim is irrelevant. You have been involved in one statistically.

    It's wrong, but it's how it works. You need to declare Yes to this, as if you don't and have another accident, it could be void.

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    • Posted 15th May 2012 at 15:24
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    roland rat

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    Post #11
    I have a large lump hammer and some heavy duty chains that would sort that in no time Wink

    On a serious note,gutted to hear about the car.

    Posted 15th May 2012 at 15:25
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    atterz

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    Post #12
    Gutted to hear this, seriously gutted.

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    Posted 15th May 2012 at 15:31
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    matt evans

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    Post #13
    Crap news. It'll be a write off for sure, i'd be inclined to get paid out, then buy the salvage back, what Ash said above would be my way of repairing it, then continue to use it as a track car, pocketing the difference.

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    owain wrote:
    Nothing involving a 306 can be considered worthwhile.

    Posted 15th May 2012 at 15:39
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    MCH_GTi6

    formerly mch

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    Post #14
    I'm sure I've heard you can refuse a "wright off" status, if you are not the party at fault you can request to be put back to the position you were in before and demand the car be repaired...

    And I'm sure if its the fault of someone else not you, you can choose your own place to have it repaired and dont have to use their approved bodyshop...

    Must be someone on here who's a bit more in the know

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    Posted 15th May 2012 at 15:43
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    dangti6

    aka JKshooter

    Location: Taunton, Somerset

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    Post #15
    MCH_GTi6 wrote:
    I'm sure I've heard you can refuse a "wright off" status, if you are not the party at fault you can request to be put back to the position you were in before and demand the car be repaired...

    And I'm sure if its the fault of someone else not you, you can choose your own place to have it repaired and dont have to use their approved bodyshop...

    Must be someone on here who's a bit more in the know





    If I was in a £200 car FC insured and it was hit so much that it was a banana with a twisted chassis, I could demand it be repaired?

    I think you would probably find it goes down the uneconomical to repair route and they pay you out for the value with you having little choice.

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    • Posted 15th May 2012 at 15:54
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    barry.rs

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    Post #16
    My step brother pushed a crease out of a boot floor (think it was on an Astra) by placing a sizeable piece of timber across the rear arches in the boot and a piece across the boot lip with a bottle jack between them.

    Worked a treat.
    Posted 15th May 2012 at 15:58
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    roland rat

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    Post #17
    Could even reshell it as theres a white one on ebay for spares or repair going cheap
    Posted 15th May 2012 at 15:59
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    braymond

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    Post #18
    roland rat wrote:
    Could even reshell it as theres a white one on ebay for spares or repair going cheap


    Surely the labour to do that would be more than the repair costs?

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    Posted 15th May 2012 at 16:04
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    roland rat

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    Post #19
    braymond wrote:
    roland rat wrote:
    Could even reshell it as theres a white one on ebay for spares or repair going cheap


    Surely the labour to do that would be more than the repair costs?


    Do it yourself you lazy turd! LOL
    Posted 15th May 2012 at 16:04
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    calibra306

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    Post #20
    MCH_GTi6 wrote:
    I'm sure I've heard you can refuse a "wright off" status, if you are not the party at fault you can request to be put back to the position you were in before and demand the car be repaired...

    And I'm sure if its the fault of someone else not you, you can choose your own place to have it repaired and dont have to use their approved bodyshop...

    Must be someone on here who's a bit more in the know
    correct!

    Your claiming off the offenders insurance and there policy would cover an amount higher for damaged caused to property or personal injury to others.

    Your car should be repaired no matter what the cost as it was not your fault and the insurance will pay the damages.

    Dont accept a write off as they will try this as an easier option and to get an older car off the road!

    I had someone hit me years ago causing damage to rear quater and alloy wheel damage and rear bumper and they offered me a settlement to write off so I just said no I want it repaired so they went back to other insurance company and said no im not accepting anything other then a full repair.
    Obviously if they can get away with a clousure offer then they will alway offer it first to get out of a garage bill.

    Check ya policy as it will cover in excess to cover third party loss ie damage to property, just checked mine and its £20,000,00

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    Posted 15th May 2012 at 16:05
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    dangti6

    aka JKshooter

    Location: Taunton, Somerset

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    Post #21
    calibra306 wrote:
    MCH_GTi6 wrote:
    I'm sure I've heard you can refuse a "wright off" status, if you are not the party at fault you can request to be put back to the position you were in before and demand the car be repaired...

    And I'm sure if its the fault of someone else not you, you can choose your own place to have it repaired and dont have to use their approved bodyshop...

    Must be someone on here who's a bit more in the know
    correct!

    Your claiming off the offenders insurance and there policy would cover an amount higher for damaged caused to property or personal injury to others.

    Your car should be repaired no matter what the cost as it was not your fault and the insurance will pay the damages.

    Dont accept a write off as they will try this as an easier option and to get an older car off the road!

    I had someone hit me years ago causing damage to rear quater and alloy wheel damage and rear bumper and they offered me a settlement to write off so I just said no I want it repaired so they went back to other insurance company and said no im not accepting anything other then a full repair.
    Obviously if they can get away with a clousure offer then they will alway offer it first to get out of a garage bill.


    But how about if the damage was really quite substantial.



    I imagine there are limits. And when those limits are reached, it really could be tough tits, here's a payment.

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    • Posted 15th May 2012 at 16:12
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    calibra306

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    Post #22
    That is a little OTT lol

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    Posted 15th May 2012 at 16:14
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    dangti6

    aka JKshooter

    Location: Taunton, Somerset

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    Post #23
    Agreed, but that's because there is a limit. As far as an insurance assessor is concerned, is for example 3k in repairs for a 306 excessive? If so, yet it's not your fault - how far can you push the demand?

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    • Posted 15th May 2012 at 16:17
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    braymond

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    Post #24
    dangti6 wrote:
    calibra306 wrote:
    MCH_GTi6 wrote:
    I'm sure I've heard you can refuse a "wright off" status, if you are not the party at fault you can request to be put back to the position you were in before and demand the car be repaired...

    And I'm sure if its the fault of someone else not you, you can choose your own place to have it repaired and dont have to use their approved bodyshop...

    Must be someone on here who's a bit more in the know
    correct!

    Your claiming off the offenders insurance and there policy would cover an amount higher for damaged caused to property or personal injury to others.

    Your car should be repaired no matter what the cost as it was not your fault and the insurance will pay the damages.

    Dont accept a write off as they will try this as an easier option and to get an older car off the road!

    I had someone hit me years ago causing damage to rear quater and alloy wheel damage and rear bumper and they offered me a settlement to write off so I just said no I want it repaired so they went back to other insurance company and said no im not accepting anything other then a full repair.
    Obviously if they can get away with a clousure offer then they will alway offer it first to get out of a garage bill.


    But how about if the damage was really quite substantial.



    I imagine there are limits. And when those limits are reached, it really could be tough tits, here's a payment.


    Well mine isnt like that so I'm slightly encouraged by this

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    Rallye-R

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    Posted 15th May 2012 at 16:18
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    braymond

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    Post #25
    roland rat wrote:
    braymond wrote:
    roland rat wrote:
    Could even reshell it as theres a white one on ebay for spares or repair going cheap


    Surely the labour to do that would be more than the repair costs?


    Do it yourself you lazy turd! LOL


    lazy INCOMPETENT turd, if you dont mind!

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    Rallye-R

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    Posted 15th May 2012 at 16:20
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