Crash - Need Advice Please

merlin said:
None of the Subaru dealers around here actually have their own bodyshop.

Sure they'll take the car and repair it for you - but in fact it's simply getting sub-contracted out to whoever they're in bed with that particular month.

Have you actually seen the Subaru dealers bodyshop with your own eyes?

Cos it might not actually exist...
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Ive not seen a bodyshop, but I have seen the workshops. The car wont need to go to a bodyshop because theres no damage to the body.
 
ci_newman said:
There could be chassis damage though....
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I think (and hope) its pretty unlikely as I didnt hit the kerb that hard, and it was a side impact with the wheel taking the full force of it, hence the bent wishbone which probably took most of the shock.
 
Supposed to hear back from the insurance company about the full cost of the repair tomorrow. They ****** about for 2 weeks and its been a total nightmare so far, and when I spoke to A Plan this morning, he said that the garage mentioned that its a borderline write off. Obviously I am fuming now as A Plan told me that to write the car off the damage needs to be 70% of the total value, in this case £8400. Must have been a hell of a lot more than a bang to the wheel. Guess I will just have to wait till tomorrow :(
 
hmm garages are a right nuisance as are insurance companies.

from the damage you describe its not that bad, but who knows about the underside of the car.

problem with insurers is nthat they will insist on NEW parts all over and obviously the garages are setup to charge them full whack for labour, parts and paint. (where necessary) which may put it @ risk of being a write off, wheras you could probably have picked up the parts 2nd hand, or new just not OE for a fraction of that cost.

at the end of the day it was a decision which needed to be made, either bite the bullet and pay out privately to get it fixed or incur excess payments + loss of NCB's.

there will be days you will look back and wish you'd done the other, but i thnk the same is true which ever you had chosen.
 
ci_newman said:
Could I ask what tyres were fitted to the car (as a matter of interest!)?

It'd be interesting to know whether these top-spec (if you had them fitted) tyres can prevent aquaplaning...
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Doesnt really matter TBH. I aquaplaned with decent tread on GY F1s and they are supposed to be decent performance tyres. If the puddle is deep enough it doesnt matter what top spec tyres you are using.
 
Nickg said:
hmm garages are a right nuisance as are insurance companies.

from the damage you describe its not that bad, but who knows about the underside of the car.

problem with insurers is nthat they will insist on NEW parts all over and obviously the garages are setup to charge them full whack for labour, parts and paint. (where necessary) which may put it @ risk of being a write off, wheras you could probably have picked up the parts 2nd hand, or new just not OE for a fraction of that cost.
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Well, that would be because they expect to return it to factory fresh condition (or reasonably close) for the damaged parts, not 'nearly good enough but cheaper'. Likewise they wouldn't want the liability risk of using non specified or 2nd hand parts...

at the end of the day it was a decision which needed to be made, either bite the bullet and pay out privately to get it fixed or incur excess payments + loss of NCB's.
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Which still won't save him that much unless he deliberately omits the accident when asked about it by future insurers... Which will be alright until he claims...
 
Dolph said:
Well, that would be because they expect to return it to factory fresh condition (or reasonably close) for the damaged parts, not 'nearly good enough but cheaper'. Likewise they wouldn't want the liability risk of using non specified or 2nd hand parts...



Which still won't save him that much unless he deliberately omits the accident when asked about it by future insurers... Which will be alright until he claims...
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nearly good enbough but cheaper parts - can and sometimes are of better quality than the OE stuff...but anyway,

what would be your favoured way to deal with such a situation?
 
If you plan to keep the car for a long time and do not care about residual value, a writeoff could be good news.

You get paid market value for your car but can buy the salvage at a low price. Then you fix it.

You are then quids in, but your car will be a Cat D or C registered vehicle.
 
Nickg said:
nearly good enbough but cheaper parts - can and sometimes are of better quality than the OE stuff...but anyway,

what would be your favoured way to deal with such a situation?
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I'd want my car fixed to the original standard, and I don't trust a company to determine which non OE parts are 'good enough' to meet that. I've seen plenty of pattern parts that are downright crap, and once you start cutting corners (or more accurately, giving other people permission to cut corners without your verification of whether the corner they have cut is appropriate) then you can easily lose out.
 
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