Accident advice

£1710.00 inc VAT so far but the girl did say, obviously, that would be subject to change should they find anything else.

It's now at £1967.98. It's ready, so I'm going down to look at it tomorrow.

More excuses from my insurance, so I called the other side. Admitted total liability, had done for a while since being informed by their policy holder and claimed to have received no correspondence from mine. Which, given some of their sloppy excuse making, isn't very suprising. Result was very good customer service from the other insurer, and my being armed with all their relevent details to go whack mine with.

Given this is now the third or fourth time I've had to do their job for them I explained I wanted to close the claim as the other insurer will pay the invoice immediately. Obviously since they instructed the bodyshop they needed to check this although it wasn't put like that, before he went he promised to call back immediately which only resulted in my berating him for how often I was promised a call back that had never happened. Anyway came back within minutes and confirmed what I said was indeed true, fancy that, and he apologised for it apparently 'not being acted upon' at their end. He said that they would get everything finalised, at which point I interrupted citing total lack of confidence in their abilities and professionalism into which my excess of £200 could be lost in a never ending chain of BS telephone conversations, I want to close the claim and will be writing into complain. They waivered my excess and offered to open a phone complaint, I agreed to the former and refused the second having wasted yet more time of my day with them and I would take to writing later.

I'm going to see how well I get on with trying to extract a 'good will payment' refund out of them for wasted time and total lack of customer service. :)
 
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What about your alloy wheel, was that scuff already there or did you get it as part of the incident?

Part of the accident.

I did have a look at the scuff when I pulled the wheel off and it did look like it would polish out. I did mention it in the initial call to the insurers, along with the loose front suspension. There was also a kink in the bonnet, very small, but noticable that had been caused by the crushing of the wing.

Copy of the invoice I have today only has bodywork parts, so it'll be interesting to see what they've done and the initial 'engineer' assessment.

I'm basically going to take a marker pen with me, and drive it round their yard before signing it off. I suspect it isn't going to be leaving tomorrow somehow.
 
Of course it wont be satisfactory, it's a bloody bodyshop. I have never in my life seen one that bolts a car back together properly, let alone putting all the trim back oh and the interior will have an inch of sanding dust inside it now too I bet. :D
 
I spent a day and a half gutting it and cleaning it before it went, and any blemishes in titan silver are quite noticable.

No, I don't suspect it will be satisfactory either. I'm ready to be proven wrong though. I almost hope it isn't, it'll just give me even more to justify my complaints to date.
 
Right well, where do I begin.

My hopes of the bodyshop doing a good job were quickly dashed, the first time it came out it had a new gash down the n/s sideskirt, steering was all to shot still, new headlight was badly out of alignment and the angle motor was operating poorly, wing simply didn't fit right. How do I know this? Because they hadquite clearly bent the inner edge of the wing all the way down to fit it, with a noticeable gap where wing and bonnet meet the headlight. The bonnet emblem had also taken a hit and hadn't been swapped, and a small kink in the bonnet where the original wing pealed back to had been missed. I phoned insurer and complained, said I didn't want it to go back. I got some waffle about giving them a chance to fix their mistakes as they had been paid to do that job, so I agreed. This time I get a courtesy car, I don't need it, but I'll bloody well take it considering.

End result for take II? Well, they painted the sideskirt (ignoring a run at the jacking points), just super tightened the suspension to the point where it was difficult to turn the wheel (I'm not small, and the steering could hardly considered heavy) and the headlight hadn't been touched. Opened the bonnet and the whole engine was covered in a few mm of stour. Like everywhere, and I'm quite up on engine bay cleanliness. I suspect it was from machining out the kink in the bonnet, with it open I presume. I went in to speak to the manager, and he came out and said he'd take it in and align it and give the engine a clean. The wing looked marginally better, and the inner lip was now smooth, but I didn't get much of a chance to look at it there because of their yard. He showed me he'd 'wiped it', so at this point I said I wasn't very convinced about his work and said I'll probably take it to BMW to get them to double check everything. He looked sheepish.

I went and jet washed the engine bay for the better part of half an hour and had a good look about and could see that the wing was still sitting out of place with the lines wider than what had been previous. Next day I had it up on jacks on the drive, the n/s (not accident damaged side) of the bumper basically hadn't been reconstructed at all. Break duct completely missing, various bolts and screws missing which meant you could shake the bumper/wheel arch and get a 'bag of bolts' sound from the assembly. The paint finish on that corner was a bit rough, although nicely coloured from a distance, my (not accident damaged) n/s wing was scuffed to **** where they had clearly been machining off the paint or paint job on the bonnet, which coming to that had simply been repainted without any consideration to the stone chips - now sporting silver paint at least? - or clear coat which has formed two very small droplet sized runs next to the o/s grille. The bonnet had runs either side of the edge lip. The new headlight had been broken were the panel underneath clips in, making it sit out. Finally, in good light conditions the blending of the car was well hopeful at best.

The outcome of all this nonsense which has been ongoing since Feb was £200 compensation from the insurer and a profuse apology on the phone and in writing, and that I can nominate where the car could go. This was about two weeks ago. So I go to BMW franchise, who have a body repair centre out of town. Went to get a quote, and the bodyshop is utterly amazing I could write a separate thread on that, which was being passed onto the insurers, who would then in turn pass onto the original repair garage.

Quote from bmw to rectify this mess is a very tentative £2450, the original repair bill rose to £1980 after their second attempt ultimately failed attempt, and the cars value on the insurer is bang on £1995. The first garage had offered me £350 before I got the quote, which I rejected quite naturally. I'm not to sure on the details, because it's been between insurance people and the garage but I know the chief engineer has totally lost patience with the garage. I think they are mindful that this has a bit of a disaster, in almost every sense for them both on the claim and the repair, that they have now offered to just buy the car off me @ £2000. He said it's rare that they do this but he just wants to try and save face for the company for me as a customer, who really didn't need their involvement at all.

Which is over the value as there were three dents in the rear wings and a crack someone left me in the rear bumper, with a couple of scratched pieces in the interior needing replaced but other than that it is still quite clean.

I picked the car up for £1600 about a year and a half ago, and while I've put well more than £400 into it I would be incredibly lucky to get that back. That wasn't the point though, I was planning on sticking at least 100,000 miles on it.

So I sell the car to the insurance for £2000 or I go back to the original repair garage who will have to foot that buy out cost and offer them the opportunity to settle the liability for £1500-1750, saving the company some cost that is going to come to them one way or another, and I get to keep the car and fix this nonsense myself at profit.

Or, what do you think the chances are of me being able to sell to the insurance for £2000 but then also retain salvage rights?

Because having to find another car is a bit more of an inconvenience than waiting, repeatedly, for someone to fix it. And I have done a fair amount to it and don't want the thing needlessly scrapped, OR for the insurance to then take the car and to gain profit by way of salvage or re-reinstatement thus annulling any notion of them having been fiscally penalised for their own nonsense.

I take it you can still get cat c/d's back on the road?

Dilemma. Advice?
 
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Oh my, that's a wall of text. Here have some pictures instead.

bjm7.jpg


30tw.jpg


cu9p.jpg
 
You won't get the full £2k and salvage rights, you can knock off, they will take off at least what cartakeback.com would pay.

Take the £2k and find something to replace it, plenty of E46's for that price range :)
 
Are you sure?

Because I may have agreed to the proposed restitution and the complaint(s) are now closed, but I still have the right to take the issue up with the financial ombudsman. Or is it the insurer one?

If I let them have salvage rights, they could more than likely exceed the value they paid me in compensation and call me a pretentious whatever but I'm not willing to let that happen.

In saying that, I might propose what you say. It would make it simpler. I'm sure I could get some quotes from the local scrap yards no problem. ;)

On replacement - I know, but I quite like it, whole cooling system has been replaced as have control arm bushings and most accessible engine seals and serviceable items. Put a fair amount of blood and sweat into it, don't really just want to chuck it.
 
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Sorry but...

Of course it wont be satisfactory, it's a bloody bodyshop. I have never in my life seen one that bolts a car back together properly, let alone putting all the trim back oh and the interior will have an inch of sanding dust inside it now too I bet. :D


Utter ****ing shambles the lot of em.
 
Well, yes, I would find it hard to disagree. The BMW (and twelve other marque) approved body shop looked kick ass though.

Decided on course of action; hardball. I want the £2K and the car back, don't care how it has to be arranged, I'm not letting them just then re-sell it on at profit.
 
Sorry, but why aren't you just sending it to BMW to get repaired? The insurance company will simply claim from the garage that messed it up.

That was how it was going to work with my old A4 (except it would have been Macclesfield Audi claiming from the bodyshop, rather than an insurance company) before I convinced Audi to replace it.

Bodyshops... I hate them all.
 
Well, they’ve been trying to do this, but apparently the garage are dragging their heals about paying for repairs that exceed the car value and the insurance seem to be in agreement on that.

Nor am I willing to risk my own cash even temporarily in this nonsense, if it was getting repaired it was to be contracted via them.

Now, I could quite probably demand that the quoted rectification work is carried out but I won’t gain much that way.

So I spoke to the chief engineer today regarding his offer. I said I was happy to accept the over-valuation of £2000 on the proviso that I can retain salvage rights on the basis that this was not the preferred outcome and that since the crash in Febuary that I had repaired the vehicle in excess of the difference of that valuation in my favour.

He agreed and said that salvage value to the insurer is a contracted 18% of value, I then pushed further and said because I didn’t want either the repair garage or the insurer profiting in any way from this so in that I wanted the salvage to be of nominal value. This is where he said he couldn’t move, contact is water tight apparently and he couldn’t move on it even though he saw where I was coming from. So I’m looking at the moment of around £1650 + the £200 compensation + keep the car.

Which I intend to do. Once this has been completed I’m going back to their complaints team regarding this outcome and that their proposed solution means they have profited and complain profusely, and I will seek compensation to the value of the 18% salvage cost.

Why am I doing it this way? Because I can fix it myself for approximately £500 – 600. I may even not bother, and just sell the vehicle at below market value not rectified after it’s MOT in Novemeber. So it would be £1650 + £200 + £350? + car value.

£3500 for a £1600 motor?

At least this way I can get some sort of sense of profit from it as opposed to having one party spend a load of money on another to expensively put something right.

Lets see if I can take them to the cleaners! :D
 
Surely though once they pay you out for the car, it becomes a write off (probably cat d)?

So the car won't be worth anywhere near what it is now.
 
Surely though once they pay you out for the car, it becomes a write off (probably cat d)?

So the car won't be worth anywhere near what it is now.


I'm not sure it's actually getting written off per say, but I can certainly see how it would effect the value if it did. What is being proposed is the repair garage buy it from me and get to keep the car. I propose I keep the rights to the vehicle less the 'salvage' fee which I should recoup.

Either which way I would imagine that a cosmetically " written off " but fully road legal car would sell. I would hazard a guess around a grand.
 
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