A friend of mine just has his car written off

Matt82

Matt82

Matt82

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Joined
13 Mar 2004
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i think this is really sad. he has a 97 mk3 golf gti and this car was mint. 80k miles, was a "rare" colour too. i had done a lot of work on that car myself, he had recently sorted a running problem and put a new exhaust on.

the car was lowered just the right amount, but other than that was totally OEM and in amazing condition

he had a "light" bump into the back of another car the other day and the assessor valued the repair to the golf at just under £2k. they said they tried to keep it down because the car was so mint.

now its gone. theyll make a pathetic offer for the replacement value, you wont be able to get a car that age/spec/condition for near the money

so one mint golf coming to a scrap yard near you soon... such a waste!
 
bledd. said:
only if the other party is at fault*

*from what I've read on here...
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Correct - if you are not at fault you have a legal obligation to be put back in the position you were before the accident. Of course if it is his fault then its down to what the contractual agreement between him and his insurer is :(
 
oh he was one of those straight up guys that are totally above board

as for the salvage, ive suggested he try and get that back simply due to the money hes put into it and how nice the car is.

the assessor mentioned something about it being written off and not being allowed to be supplied back etc but he wasnt clear

as for the car, new bonnet, bumper, maybe slam panel, grille and headlight. rad is externally damaged, but still holds water and cools, but on what is effectively an old banger, that was enough to write it off
 
Take the settlement, buy it back, get it fixed, put your big-girl pants on & stop crying.

And since when has anything not custom/modified on a car been referred to as OEM. What is wrong with 'stock' or even 'original'?
 
If he disagrees with the valuation he should argue it with them and try to prove it, remembering £ spent does not equal value.

What category write off was it?
 
This is the problem - insurance companies value cars based on the age and mileage. Thats it. No account for condition, length of time owned, money spent on it, etc.

It seems daft that you can crash two 1999 Mercedes E320 - one you bought at the auction for 1500 quid because its ropey and one you've owned since new and spent many thousands keeping in concors condition and get the same payout offer on both because on paper they are identical cars.

This scares me every time I see somebody driving a little too quickly towards a queue I'm parked in. I dont have a hope in hells chance of getting another car like mine in the condition is in for book value.
 
WillyNelson said:
Take the settlement, buy it back, get it fixed, put your big-girl pants on & stop crying.

And since when has anything not custom/modified on a car been referred to as OEM. What is wrong with 'stock' or even 'original'?
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well anything not custom or modified is OEM. since when was everything OEM called stock or original? :D
 
[TW]Fox;14723560 said:
This is the problem - insurance companies value cars based on the age and mileage. Thats it. No account for condition, length of time owned, money spent on it, etc.

It seems daft that you can crash two 1999 Mercedes E320 - one you bought at the auction for 1500 quid because its ropey and one you've owned since new and spent many thousands keeping in concors condition and get the same payout offer on both because on paper they are identical cars.

This scares me every time I see somebody driving a little too quickly towards a queue I'm parked in. I dont have a hope in hells chance of getting another car like mine in the condition is in for book value.
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Don't insurance companies offer agreed valuation insurance for exactly the sort of situation you're talking about? (IE a car that is in mint condition, when it's age/milage would otherwise put it's price right down).
 
Wicksta said:
It says there that the opposite of OEM is aftermarket, which is what I assumed the context of Matt's post was. It has no aftermarket parts apart from the springs and everything else that has been changed is OEM stuff.
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Well he isn't starring in Fast and Furious so he should just say "original" ;) :D
 
but by oem i mean everything on that car (bar springs and dampers) is vw. the bushes, the brakes, the fluids, the exhaust, its all vw stuff on there

original, to me, would be unmodified using standard bits, but this car is beyond that

the interior is unmarked, literally. the paint has a one or two scapes, but not a single parking ding (unless the traffic light incident is counted lol)
 
Wicksta said:
For ages, and nothing. You're the only one moaning about terminology. :p
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Fair enough. I'd never heard it wrt cars until this week; this thread and some guy complaining abut the quality of the repair to his civic.

OEM makes sense when talking about parts, as in they're genuine VW bits, it's just a bit funny to hear it as a reference for condition/spec/look.

It's no real thing though...
 
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