Car accident

focus130

focus130

focus130

Associate
Joined
9 Aug 2006
Posts
311
Location
Leeds
After 20 years of driving had my first bump on Tuesday. My car needs a new bonnet, bumper, front light and possibly other things. My fault, sun blinded me and I didn't see the car in front stop. Hardly a mark on their car. The car is with the insurance for repair.

Was thinking of trading the car in next year anyway so I wondered will this show up on the cars history if someone did a search. I know a write off would appear but wasn't sure about just a repair for body damage.
 
Depending on the car/age/value, that much damage is potentially a write off anyway. It's likely it will be recorded as a Cat N
 
focus130 said:
Car is a 2016 Fiesta ST. Unlikely, to be a write off.
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You'd be surprised, just what you've listed will run into the £1000's when being charged to an insurance company. Then you've got anything else the repairers find and decide to tag on.
 
If it's not written off then no marker will show up if anyone does a future search.

Just make sure you don't accept a sub standard repair - particularly with regards to panel gaps and paint
 
tom_e said:
You'd be surprised, just what you've listed will run into the £1000's when being charged to an insurance company. Then you've got anything else the repairers find and decide to tag on.
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Yeah, my mate had a rear bumper resprayed and a new rear light on an Insignia done in June after a biker ran into the back of him, was over £1100. When I spoke to my insurance they asked me to list the obvious damage and he told me that it might be a write off. He then entered the details into a computer who told it him flagged as send to garage for repair. If they find more work I guess it is a possibility. TBH, I wouldn't be too upset if it was. The fact it had been in an accident would be always at the back of my mind, and I have a GAP insurance policy that would get me back into a new car.

rodenal said:
If it's not written off then no marker will show up if anyone does a future search.

Just make sure you don't accept a sub standard repair - particularly with regards to panel gaps and paint
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Thanks. Will check the gaps and paint fully.

Strangely, the air bags didn't deploy I guess we would be talking write off if they had due to the cost of replacement. I was doing way under the speed limit of 40, because of the sun, probably less than 30. Her car hardly any a mark on it.
 
focus130 said:
Car is a 2016 Fiesta ST. Unlikely, to be a write off.
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Having had 2 vehicles with similar damage in the past written off, then I wouldn't be so sure.

A genuine headlight for example is probably £250, a bonnet/bumper/front end is several different parts (once you've included all the various small trims and inserts), add paint on top.

And that's without any damage that you can't necessarily see - damaged slam panel, radiator mounts, radiator etc
 
Armageus said:
Having had 2 vehicles with similar damage in the past written off, then I wouldn't be so sure.

A genuine headlight for example is probably £250, a bonnet/bumper/front end is several different parts (once you've included all the various small trims and inserts), add paint on top.

And that's without any damage that you can't necessarily see - damaged slam panel, radiator mounts, radiator etc
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Still that would need to run up to near 10k for that to happen, a whole new fiesta front end isn't going to come close to that unless the whole car is twisted
 
p1RATE said:
Still that would need to run up to near 10k for that to happen, a whole new fiesta front end isn't going to come close to that unless the whole car is twisted
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Nope - it wouldn't, doesn't have to exceed the cost of the car, just a substantial part of it.
 
Should say it is a Fiesta ST 200. Autotrader are currently list them in the £15k region, so I would imagine it would have to cost about £7-8k for repair to be a write off.
 
Armageus said:
Makes quite a lot of difference - should be fine then. A "normal" ST is nearer £8k-£9k, so would take much less to be written off.
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Yes, there seems to be a £3-4k premium over a similar age ST-3. Unless there is other damage I guess it will be repaired.
 
Armageus said:
Nope - it wouldn't, doesn't have to exceed the cost of the car, just a substantial part of it.
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Generally the insurers will look at the total of repairing Vs writing off do whatever costs them less. If they write the car off they get to sell the salvage so offsetting the extra cost of writing the car off.
 
Quick update. Car is getting repaired. Damage is two new front headlights. One I knew of given I had to pick it off the road. Clips are broken on the other. New bonnet, bumper and grill plus other bits. Intercooler and radiator also getting replaced.

Repairer said £1000s before write off. But did agree marginal on an St-3 of the same age. He described it as a front end rebuild. Also looks worse than it is. They are designed to crumple with a lot of plastic and plastic clips he said.
 
Car was returned today after nearly 7 weeks. They had to replace a chassis leg as well so extensive repair as engine and gearbox out.

The accident repair damage look fine, but there was a scratch on the passenger door and a damaged alloy that weren't there before the accident. They didn't argue and took it back for further inspection.
 
As I said on Fiesta ST thread car part-ex'd a couple of weeks ago for a new Fiesta ST3.

Was just looking on dealer web site and noticed the car wasn't there anymore and assumed it had been sold. At that point the dealer phoned and asked me if it had a tracker as it had been sold, but then stolen in broad daylight whilst awaiting handover to the new owner.

Thinking of getting a tracker for my new car now.
 
focus130 said:
As I said on Fiesta ST thread car part-ex'd a couple of weeks ago for a new Fiesta ST3.

Was just looking on dealer web site and noticed the car wasn't there anymore and assumed it had been sold. At that point the dealer phoned and asked me if it had a tracker as it had been sold, but then stolen in broad daylight whilst awaiting handover to the new owner.

Thinking of getting a tracker for my new car now.
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Lol that made me smile. I wonder how many cars are left running outside a dealers for a few minutes and get taken only for the salesman to walk out and realise it’s gone five minutes later!

what did you trade it in for?
 
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