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#364215 - 8th Nov 2009 10:05pm Insurance issue
Snodvan Offline

Forum Addict

Registered: 19th Mar 2008
Posts: 1289
Loc: Wallasey Village
Advice wanted please

My car was rear ended recently. I was stationary at the time having been stopped because of an accident in front. Not a huge amount of damage because it is a tough car (Land Rover). The other one was a proper mess! My insurer has said their approved garage will do whatever is needed and under the insurance terms I will get a car to use while the repair is being done. They have confirmed my NCB will not be affected.

The issue is that my 12 year old Landy cannot have a big value. Any advice on how to ensure that the insurers do not decide to write off my Landy? I need it and why the heck should I have to suffer because some other daft bugger was not watching where they were driving?

Snod
_________________________
5 Precepts of Buddhism seem appropriate. Refrain from taking life. Refrain from taking that which is not given. Refrain from misconduct. Refrain from lying. Refrain from intoxicants which lead to loss of mindfulness

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#364216 - 8th Nov 2009 10:10pm Re: Insurance issue [Re: Snodvan]
Tony_1985 Offline

Forum Master

Registered: 19th Aug 2006
Posts: 2421
Loc: Ellesmere Port
If its only a small amount of damage and not damaged the floor pan of you car in any way, it should only be a Cat D write off at most

which means you will be able to get it back and repair it for minimal cost without having to get a VIC test from VOSA/DVLA

Because its a 12 year old vehicle, unfortunately it is likely that this will happen

It's just a waiting game with the Insurers i'm afraid

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#364312 - 9th Nov 2009 12:26pm Re: Insurance issue [Re: Tony_1985]
Snodvan Offline

Forum Addict

Registered: 19th Mar 2008
Posts: 1289
Loc: Wallasey Village
Had the underside etc checked today and no damage there. The only damage is to the tailgate itself - which needs to be replaced. Technically it could be straightened/ filled etc but the local guy says that from a labour point of view that would not be economic compared to a new tailgate (or if pushed good secondhand). Repair cost for new quoted at 660. The repairer organised by the insurers will charge a lot more than that I suspect.

Snod
_________________________
5 Precepts of Buddhism seem appropriate. Refrain from taking life. Refrain from taking that which is not given. Refrain from misconduct. Refrain from lying. Refrain from intoxicants which lead to loss of mindfulness

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#364927 - 11th Nov 2009 9:49pm Re: Insurance issue [Re: Snodvan]
mandi83 Offline
Newbeee

Registered: 15th Oct 2009
Posts: 11
Loc: bromborough
I wrote my car off a few years ago, (skidded on ice, landed in some traffic lights, not completly my fault), the damage was literally bodywork, told my insurance company at the time that I wanted to buy the car back and get it repaired myself.
Took quite abit of pursuasion, spoke to the fella who checked the car over (for the insurance company) and was told the list of parts I needed to find, because of the age of the car ('93, but only had 40,000 on the clock) he put it down as cat D.

Bought it back for 100, the parts came through at a few hundred, and labour about the same. It worked out that I paid out what the insurance company gave me for the accident.
There is a site that sends an email out with all your parts on and if anyone (scrappies) have them then they contact you.
For me, because my car wasn't really very common, my seconds came from a scrappy in london! But I've had my car 3 and a half years since the accident, and had I spent that money on getting another 2nd hand car, it would never have lasted me this long!

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