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Author Subject: Car Written Off
ardandy

Seasoned Pro

Location: Keighley

Registered: 03 Feb 2005

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Post #1
My parents have just been rear ended and the guy has obviously owned up etc so no probs there.

Question is, if the car is written off (which is likely) how long do you get a rental car for (that his ins are paying for according to ours) before you find another car? I can't see them giving you one until you actually get a replacement as that can take months some times.

Also, anything else worth doing/watching out for when a car is written off and it's their fault? Will our ins give a good payout for it and then go after his or does his ins decide how much its worth?
Posted 11th Oct 2013 at 19:59
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stan_306gti6 Forum Admin

Location: Kent

Registered: 18 Jan 2004

Posts: 21,768

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Post #2
Sorry to hear that Andy.

Your parents insurer will pay for everything, then they will claim it back from the 3rd party. Yes

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Posted 11th Oct 2013 at 20:02
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dcc

Senior User

Location: Wales

Registered: 24 Feb 2009

Posts: 502

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Post #3
not true stan. I have been in a similar situation. It 100% depends on the people who youre insured with. Admiral will NOT give you a courtesy car to drive if your car is written off. they will offer you the services of a company called Albany Assurance, who are a complete bunch of knobbers. google them, they charger too much for hire cars, insurers of the other person can decline to pay under the prices being unfair. Albany can then claim the funds direct from you.

the best thing to do is sit and wait, see if the other drivers company ring you and offer you a courtesy car (if they agree it is their drivers fault) as soon as they do, then tell them you want to speak to your insurance first, and just double check with them that they're happy for this to happen. First hand experience of this.

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Posted 11th Oct 2013 at 21:09
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rich306

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Location: Portsmouth

Registered: 09 Aug 2009

Posts: 1,834

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Post #4
Always go through the third parties insurance especially if it is their fault!

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Richies Project Rallye

Electrical work carried out in Portsmouth

jamiek_uk2000 wrote:
You'll need to throw money at the car. Not on parts. Just stand near your car and throw loose change at it, I find this increases performance for a short period of time
- Top Tip!!!
Posted 12th Oct 2013 at 10:52
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gnrlee Forum Admin

Location: Leeds

Registered: 20 Aug 2005

Posts: 8,882

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Post #5
Yeah alot depends the insurance company's they all work differently
But if they do get a curtsy car then they will have the use of that car until they are paid out
At the agreed sum

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Posted 12th Oct 2013 at 13:21
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ardandy

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Location: Keighley

Registered: 03 Feb 2005

Posts: 6,053

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Post #6
Probable write off.



Posted 12th Oct 2013 at 15:04
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mechanical_repairs

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Location: leicester

Registered: 10 Jan 2005

Posts: 12,122

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Post #7
Jeez that's a good old whack, thing is though I would say the car is still worth quite a bit so may be repairable, hope the folks are ok.

Carl

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Posted 12th Oct 2013 at 15:13
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gnrlee Forum Admin

Location: Leeds

Registered: 20 Aug 2005

Posts: 8,882

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Post #8
I'm presuming the boots creased?
Looks like the chassis will be damaged too
I very much doubt that'll be put back on the road,..
The way it's looked at is if the cost of the repair is less than 60% of the value of the car
Then it'll be fixed if not then there written off cat C/D

There should be no question of fault if your hit in the rear
Then the insurance will rule in your favour

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Posted 12th Oct 2013 at 15:18
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rich306

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Location: Portsmouth

Registered: 09 Aug 2009

Posts: 1,834

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Post #9
I reckon its a Cat B Big grin

________________________________________

Richies Project Rallye

Electrical work carried out in Portsmouth

jamiek_uk2000 wrote:
You'll need to throw money at the car. Not on parts. Just stand near your car and throw loose change at it, I find this increases performance for a short period of time
- Top Tip!!!
Posted 12th Oct 2013 at 16:26
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craig-gti6

Regular

Location: kidderminster

Registered: 01 Jul 2012

Posts: 205

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Post #10
When I was involved in an accident I was given a hire car which was payed for by the third party's insurance. I had the car until I was payed out for my car.
Posted 12th Oct 2013 at 16:38
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ardandy

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Location: Keighley

Registered: 03 Feb 2005

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Post #11
Could've been worse, could've been my new car!
Posted 13th Oct 2013 at 15:41
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honestly3k

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Location: Berkhamsted

Registered: 06 Apr 2009

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Post #12
Had the exact same thing happen to me 3 weeks ago.
Obviously the 6 was written off, and I too have dealt with/am dealing with Albany Assistance.
My insurers are Elephant.

I very much doubt that will be put back on the road Sad

Hope your parents are ok, its fairly unpleasant being hit with that force - was it a lorry?

The whole process is not in anyway transparent really. If its a first time claim its difficult to find out what on earth is going on.

I had a hire car for 7 days, the way I understand it you can have the car for as long as it takes for you to get a replacement car OR you get a settlement payout for your damaged vehicle.

I wasn't really happy driving around in a 61 plate car that I was liable for so I sent it back asap.

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Posted 13th Oct 2013 at 16:29
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buzzbrightyear

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Location: hiding all receipts for car

Registered: 09 Jul 2008

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Post #13
That may get repaired, well i reckon it definatly would if it was a year or 2 newer.

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Moonstone phase 7 gti6
My Project thread: http://www.306gti6.com/forum/showthread.php?id=119992&page=1
Posted 1st Nov 2013 at 16:15
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ardandy

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Location: Keighley

Registered: 03 Feb 2005

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Post #14
It's getting repaired!!!!!!!

Anything worth making sure of when picking it up? Any paperwork or checks that can be done to make sure its spot on?
Posted 1st Nov 2013 at 21:13
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rich306

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Location: Portsmouth

Registered: 09 Aug 2009

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Post #15
Excuse me? It's getting repaired?!

I doubt it will drive the same again....

________________________________________

Richies Project Rallye

Electrical work carried out in Portsmouth

jamiek_uk2000 wrote:
You'll need to throw money at the car. Not on parts. Just stand near your car and throw loose change at it, I find this increases performance for a short period of time
- Top Tip!!!
Posted 1st Nov 2013 at 21:29
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buzzbrightyear

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Location: hiding all receipts for car

Registered: 09 Jul 2008

Posts: 11,901

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Post #16
I reckon it will be ok, once the bumper and tailgates taken off the damage won't look as bad

Although saying that I'd be p**sed off it's not a write off

________________________________________

andrew315rawson@live.co.uk
Moonstone phase 7 gti6
My Project thread: http://www.306gti6.com/forum/showthread.php?id=119992&page=1
Posted 1st Nov 2013 at 21:35
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Niall

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Location: Epsom

Registered: 06 Jun 2012

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Post #17
Rich providing it hasn't creased the rear quarters at all, it will be a fairly simple repair. new tailgate, bumper, rear valance and probably a few interior plastics looking at that and pull out the boot floor.

Only thing id check is the panel gaps are even (no panels raised past others) and the boot lid opens and closes fine.
Don't forget you have a 3 year warranty on that work assuming they are using one of the insurers approved repair shops so over a period of time, check for even tyre wear as well.
Posted 1st Nov 2013 at 22:47
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bigbadbowen

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Post #18
Write off ! End of story !
Posted 1st Nov 2013 at 22:39
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dangti6

aka JKshooter

Location: Taunton, Somerset

Registered: 15 Jun 2006

Posts: 10,305

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Post #19
bigbadbowen wrote:
Write off ! End of story !


It's being repaired..

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    • Posted 1st Nov 2013 at 22:45
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    rich306

    Seasoned Pro

    Location: Portsmouth

    Registered: 09 Aug 2009

    Posts: 1,834

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    Post #20
    Niall wrote:
    Rich providing it hasn't creased the rear quarters at all, it will be a fairly simple repair. new tailgate, bumper, rear valance and probably a few interior plastics looking at that and pull out the boot floor.

    Only thing id check is the panel gaps are even (no panels raised past others) and the boot lid opens and closes fine.
    Don't forget you have a 3 year warranty on that work assuming they are using one of the insurers approved repair shops so over a period of time, check for even tyre wear as well.


    I would have to know that garages work to trust them hahahahahaha

    ________________________________________

    Richies Project Rallye

    Electrical work carried out in Portsmouth

    jamiek_uk2000 wrote:
    You'll need to throw money at the car. Not on parts. Just stand near your car and throw loose change at it, I find this increases performance for a short period of time
    - Top Tip!!!
    Posted 1st Nov 2013 at 23:09
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    bigbadbowen

    Seasoned Pro

    Location: Winchester

    Registered: 21 Nov 2003

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    Post #21
    dangti6 wrote:
    bigbadbowen wrote:
    Write off ! End of story !


    It's being repaired..


    I'd fvck it off as soon as it is - it will show up signs of being repaired sooner or later Yes plus it's worth feck all as crash repaired
    Posted 1st Nov 2013 at 23:19
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    jimmyhackers

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    Location: birmingham

    Registered: 14 Jun 2011

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    Post #22
    banger racer!!

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    Posted 1st Nov 2013 at 23:58
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    armzsc6

    Seasoned Pro

    Location: Crowborough

    Registered: 22 Mar 2008

    Posts: 3,445

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    Post #23
    My 306 estate was written off 2 weeks ago by an old twat driving straight in front of me as I approached a junction. He admitted fault straight away and reported the accident the same evening to insurers etc. I got a courtesy car the next day (paid for by my side but claimed back from his side)

    their policy is that you keep the car until the vehicle is repaired or if its a write off (which it was in my case) you are allowe to keep the car for 7 days after the day they post the cheque out to you.

    Only thing I have to do is attempt to reclaim the cost of recovery of the vehicle from the accident site to my work.

    ________________________________________

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    Posted 2nd Nov 2013 at 00:18
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    ardandy

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    Location: Keighley

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    Post #24
    60 hours labour my dad heard from ins.
    Posted 3rd Nov 2013 at 00:33
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    Lecktorious

    aka G.

    Location: Edinburgh

    Registered: 08 Jan 2009

    Posts: 920

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    Post #25
    Niall wrote:
    Don't forget you have a 3 year warranty on that work assuming they are using one of the insurers approved repair shops so over a period of time, check for even tyre wear as well.


    You 100% sure on that? With an insurance approved bodyshop I would have thought a year would have been more likely. Insurers don't want the liability hanging over them years after an accident. With most other GI it's a year warranty on any insurer approved repair network.

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    '98 Nile Blue 306 GTi 6
    Posted 3rd Nov 2013 at 00:41
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