Do I claim or have a bash getting fixed?

mg3091

mg3091

mg3091

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Joined
15 Oct 2012
Posts
145
Location
Peterborough
Okay so yesterday morning I got hit by a lorry, long story short I need a pair of passenger doors, a wing mirror and a few bits straightening out here and there.
I wanted to see what you guys would do in my situation?

Have 8 years protected no claims, car is a 55 reg golf, probably not worth that much if I'm honest, it is looking at a Cat C write off.

Do I:-
Go through with the claim, the car would get scrapped and I'd get a payout (probably not enough to get me another half decent car which would suit my needs)

Forget the claim and have a go fixing it myself by replacing doors and whatnot or just letting a bodyshop take care of it?


I'm fairly adamant the insurance companies would keep a record of this, surely? Which would go against me when I need to get insured in the future despite it being a non-fault claim, whether I go through with the claim or not, it isn't like they can just "forget" about it is there?

The other issue being that the other driver was foreign and it's going to be a long process with dealing with foreign solicitors etc.


Bit of a kerfuffle really and I don't know which route to go down as I don't have a crazy amount of money to get things put right again.
 
The issue with insurance being that for the time being I'm stuck without a car and not enough money to get another sorted, I don't have a courtesy car on my insurance so they won't provide me with one either
 
Gaygle said:
As annoying as it would be paying out of your own pocket - i think you probably should in this case and just leave insurance completely out of it. The hassle you will get with insurance will be far more than it's worth IMO.

Having had a quick look on eBay, a pair of doors are £80 and a wing mirror is about £20. If you know someone who can fit them it'll end up costing about £200 all in.
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Yeah that's what I'm thinking to be honest, going to ring round a few body shops and see what they say, I've had the car checked over by a local garage who says structurally it's sound, they'd probably change 1 little plate for peace of mind where the impact took place but that's all.
 
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