Yeah about that, makes logical sense. I'm actually considering the full respray now too with him.
Alright, sounds like a plan
Alright, sounds like a plan
Bought an old BMW M3, filled with regret...
- Thread starter mrk
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[TW]Fox;28926113 said:
I did actually figure this the moment I drove on the motorway earlier today. I shall be on the phone tomorrow to get it changed for sure, it is gutless. It is completely LOL though,. but gutless and not suitable for a comfortable drive up and down the motorway
The mileage is 77k. I do intend on getting my guy to repair it. The marker isn't a huge issue, but sure I agree to the general buying public they will see it as a huge turn off, but to any enthusiast who might be after a longer term ownership from a well looked after example once I'm done with it, maybe it won't matter too. Either way these cars are getting harder to find in good state of affairs as the years go on. I intend on keeping my car in the same condition it is in year round.
At the very least, the pocketed money from the settlement would go toward any losses from future resale due to the Cat D marker. But if the insurer gives a decent cash in lieu figure that isn't far off from the offer post salvaged Cat D, then maybe that's a worthwhile option instead as it means the car isn't marked at all then.
More waiting until tomorrow to find this out.
Interestingly I have legal cover and received a letter from my insurer's legal arm, Elephant Law, which they briefly told me about them on the phone and said a letter would be in the post. It explains how they will reclaim any losses, whether it's uninsured/expenses/injuries or whatever. I take it this means if Admiral don't play ball with a decent settlement figure, then I can pass it to Elephant Law to fight on my behalf?
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Yes the same group, I'm referring to each by their own name because I'm with one, the other guy is with the other..
I guess Elephant Law doesn't apply then 
The Ombudsmen, that's what I've been trying to think of all day!
Alright folks cheers. I think I have enough info that I need to sit back and see what offers they come back with.
The Ombudsmen, that's what I've been trying to think of all day!
Alright folks cheers. I think I have enough info that I need to sit back and see what offers they come back with.
The gist of it can be seen explained here: http://www.pistonheads.com/gassing/topic.asp?t=734000
I'm leaning on this option, I have not mentioned it to Admiral yet, as I want to see what settlement figures they come up with today first.
This is true in most regards, but as mentioned, I have no immediate intentions of selling the car within a reasonable time anyway - I don't change cars often, I had the 318Ci for over 5 years, for example! And have wanted an S54 powered car for even longer
By that time at least an E46 M3 will be even harder to find in good condition (Cat D or otherwise). If I do end up using the above option, then it means I get my car back, and it won't be categorised.
I can then have an agreed value put on it, if it happens again, then I'm in a much better position at not losing out to the system/
Yeah because my car is the same as that right?
I've already stated all the reasons why I'd rather not lose the car. The ones posted are good, but will still need similar money spent on them to get them to my car's standard. So i'd be spending a couple of k more of my own money - Which is a bit out of order since none of this was my fault in the first place.
If I get a good cash in lieu figure, then I'll take it. Means my car isn't marked Cat D, and happy days as I still will pocket a lot of ££££ post repairs. If not, then hey, the car remains in my ownership long term anyway as intended.
I've already stated all the reasons why I'd rather not lose the car. The ones posted are good, but will still need similar money spent on them to get them to my car's standard. So i'd be spending a couple of k more of my own money - Which is a bit out of order since none of this was my fault in the first place.
If I get a good cash in lieu figure, then I'll take it. Means my car isn't marked Cat D, and happy days as I still will pocket a lot of ££££ post repairs. If not, then hey, the car remains in my ownership long term anyway as intended.
That's pretty much my thinking, just as Jez pointed out early on. People are forgetting that it's not "just a car" - Well actually yes it is technically, but a lot of time, effort and care has been put into it to just drop ship and get another, which might end up being a lemon on top of all the additional time and effort and money it will need.
How can it not feel the same if the damage is only panel and exhaust damage and nothing has touched the axles/transmission though? Placebo might factor into it for many, but not all.
By lemon I mean mechanically. Mechanically my car is not a lemon. This much I know for certain!
Aye they have specifically stated the week for hire is dealt with individually and whatever outcome is of the settlement does not affect this. So I have a hire car until Tuesday at the very least.
It's not terrible, but it is quite poor. Sure it has some options like tomtom nav, bluetooth music, dab and so on, but it has no climate control, no pdc, the gearbox is "whack" and the engine is pretty dire too.
I don't think it will actually go offroad that well. Maybe climb a few pavements? Such a fashion utility vehicle.
I've phoned this morning to swap it over, been promised a call back from a manager after he's sourced an Insignia from another branch. This was at 08:30.
It's been interesting to drive though, I hate high seating positions, and the seats are not comfy at all. The headlights are woeful at night too. I found myself asking "why does this exist" many times on the drive home last night from a work function.
I don't think it will actually go offroad that well. Maybe climb a few pavements? Such a fashion utility vehicle.
I've phoned this morning to swap it over, been promised a call back from a manager after he's sourced an Insignia from another branch. This was at 08:30.
It's been interesting to drive though, I hate high seating positions, and the seats are not comfy at all. The headlights are woeful at night too. I found myself asking "why does this exist" many times on the drive home last night from a work function.
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This one is the "Longitude" version. The 1.4 with 140HP. It's not smooth or quiet, but I guess it's not meant to be. Looking at the top gear review, yeah it seems to cope well off road, even if it doesn't feel like it will on the road.
Surely it has to be better than a RENEGADE!
Obviously less luls than one though, to be fair the Jeep does provide comical amounts of it. Wonder if there's a farm near by, may as well get it a bit dirty.
Obviously less luls than one though, to be fair the Jeep does provide comical amounts of it. Wonder if there's a farm near by, may as well get it a bit dirty.
First offer from Admiral is £9400. They said they only used Glass guide and only calculated for age and mileage, but have 2 other sources to recalculate the figures once I quizzed about that figure not being acceptable. They also asked for screengrabs of used examples of the same model year car and of similar mileage. I have sent them 5 examples of such cars that range from £12000-£13,000.
Cash in lieu is a promising option then it should be well above £5000 going that route, let's see what 2nd offer they come back with.
Cash in lieu is a promising option then it should be well above £5000 going that route, let's see what 2nd offer they come back with.
Elephant specifically stated to me numerous times my policy won't be affected by this as it's a non fault incident and the other party admitted fault virtually immediately and are handling the entire thing. So if they do ramp up my premium next year, I have some ammo! The call people state all calls are recorded for insurance purposes, so they have no excuse.
Hmm I'll definitely be keeping an eye on it come July next year when renewal time comes!
I suppose that's why people mentioned some folks recoup such losses by using those injury claims people, as to them the system isn't fair - Which let's be honest it isn't fair to those not at fault for the accident. Doesn't make such claims morally right of course but the system allows them to do it, so it is done.
In an ideal world the at fault party should be footing all losses, expenses, bills and fee increases the non fault party goes through following the accident. But stats trumps fairness. I've looked through the Elephant Law paperwork in greater detail, and it does outline that they will recover from the third party any amount I've had to spend on anything as a result of the accident. So it's not just limited to claiming back from an uninsured driver, which is good. But I've not spent anything, so have little use for this as of yet.
I have spoken to my bodyshop guy this morning and enquired about a ballpark figure based on what has been described. He's estimated a mates rate of £1500 + parts. he's also given me the option of going the new BMW part route as he can get them at trade prices so this is also a possibility, especially for the exhaust bits, I'd still be pocketing a decent sum at the end. I'd also be paying a bit extra on top for a full respray.
A layer or two of 476s later and my car should look like it just left the factory.
I'll then use some of the pocketed change to consider the brake calliper refurb I've had on the to do list for a few months. £45 each. Essentially I'll be able to wipe out said to do list and still have plenty of cash left over to get the Evolve Eventuri airbox I've been lusting for finally
In an ideal world the at fault party should be footing all losses, expenses, bills and fee increases the non fault party goes through following the accident. But stats trumps fairness. I've looked through the Elephant Law paperwork in greater detail, and it does outline that they will recover from the third party any amount I've had to spend on anything as a result of the accident. So it's not just limited to claiming back from an uninsured driver, which is good. But I've not spent anything, so have little use for this as of yet.
I have spoken to my bodyshop guy this morning and enquired about a ballpark figure based on what has been described. He's estimated a mates rate of £1500 + parts. he's also given me the option of going the new BMW part route as he can get them at trade prices so this is also a possibility, especially for the exhaust bits, I'd still be pocketing a decent sum at the end. I'd also be paying a bit extra on top for a full respray.
A layer or two of 476s later and my car should look like it just left the factory.
I'll then use some of the pocketed change to consider the brake calliper refurb I've had on the to do list for a few months. £45 each. Essentially I'll be able to wipe out said to do list and still have plenty of cash left over to get the Evolve Eventuri airbox I've been lusting for finally
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Although I'm in the last category, sitting in traffic when suddenly whack!
I've used him a number of times in the past and forwarded customers to him, so he does look after me a bit. He also seems to get a lot of insurance work so plenty of business it would seem.
I've never had an issue with his work before though hence why I'm not too concerned.
Swapped the Jeep for the Insignia today.
Swapped back for the Jeep.
Insignia had a vomit inducing smell, had coffee stains, has an engine that shook the car and generally was awful. The Jeep at least is different.
Swapped back for the Jeep.
Insignia had a vomit inducing smell, had coffee stains, has an engine that shook the car and generally was awful. The Jeep at least is different.