Just had crash !!!

bledd · 28 Aug 2009 at 08:42

Sukh said:
Apparently you don't have to accept their payout and can ask for a repair to your satisfaction?

^^

what did the other driver do after ploughing into you?

Swordfish · 28 Aug 2009 at 09:42

Images a promised.

Sorry, poor quality - trusty N95 again and it was raining !!

Just back from Garage and it appears that it wil be written off !!!

Swordfish · 28 Aug 2009 at 09:44

bledd. said:
^^

what did the other driver do after ploughing into you?

Sat in the car and Husband got out. She only got out of car when polcie arrived.

Duke · 28 Aug 2009 at 09:52

That is quite a wack there.

Janesy B · 28 Aug 2009 at 09:54

That'll be written off.

iaind · 28 Aug 2009 at 09:57

Janesy B said:
That'll be written off.

Locky · 28 Aug 2009 at 10:08

That will defo be a cat D write off.

Janesy B · 28 Aug 2009 at 10:12

Locky said:
That will defo be a cat D write off.

CAT C most likely.

BlastRadius · 28 Aug 2009 at 11:45

Did you just manage to put a dent in every corner of a Focus?

waso_dude · 28 Aug 2009 at 12:21

T cut it out

prob be a write off, looks like a lot of damage tbh, and you never know what else is damaged that isn't visable.

Goodluck with the claim!

cableguy2003 · 28 Aug 2009 at 14:48

Janesy B said:
CAT C most likely.

Neither if your anal about it . this is a civil matter and a third party have no right to write your car off.

Janesy B · 28 Aug 2009 at 14:54

They can. You just need to argue the toss with them.

cableguy2003 · 28 Aug 2009 at 14:57

Janesy B said:
They can. You just need to argue the toss with them.

They 100% cant, you dont have a contract with them so they cannot dictate value of your car. You can simply book your car in for repairs and give their insurance the bill. Trust me , just been through this. A third party cannot write your car off. They have to leave you as if nothing happened, if that means repairing the car (within reason) then your entitled to get that done.

iaind · 28 Aug 2009 at 14:58

To be honest I'd just negotiate a good value for a write off - its a low spec Focus, not a rare car and a replacement should be easy

Swordfish · 28 Aug 2009 at 18:16

Been to the Frod garage reccomended and they have prepared a quote but it does not look good.

Funny thing is ins com phoned me this afternoon to tell me the car that hit me claims I was drving towards them!! How can they even think that - there is minimal damage to the front of my car. It is clear that the impact was to my rear nearside, but I thinks its a time for the ins company to fight the matter out. Looks like it might fo legal as well.

JOY JOY

Can someone please tell me the difference between CAT C & CAT D write offs ?

PhillyDee · 28 Aug 2009 at 19:28

Swordfish said:
Been to the Frod garage reccomended and they have prepared a quote but it does not look good.

Funny thing is ins com phoned me this afternoon to tell me the car that hit me claims I was drving towards them!! How can they even think that - there is minimal damage to the front of my car. It is clear that the impact was to my rear nearside, but I thinks its a time for the ins company to fight the matter out. Looks like it might fo legal as well.

JOY JOY

Can someone please tell me the difference between CAT C & CAT D write offs ?

Thats why you need witnesses. By the looks of it, this isnt gonna be easy for you. I feel for you, I really do! Been there, done that.

Swordfish · 2 Sep 2009 at 20:04

Right - time for an update. Car is to be written off (repairs cost £4500).

Insruance co phoned today we agreed the price for the car but something strange with the payout.

I am getting £2000 after excess, but then becasue I pay my premiums monthly and am only 4 months into policy they took the remaining 8 months from the payout. Is this correct? They have said that when I insure next car they will work out a new premium from when I get it until policy renewal (29/4/10) and deducted what they reclaimed which is fair enough. What if I decided not to buy a new car I am then paying for insurace for 12 months and only getting 4!

InvaderGIR · 3 Sep 2009 at 11:17

Only right if you're cancelling the policy at the same time as making the claim, else you can change the car and carry on paying monthly without losing out on the policy.

loki101 · 3 Sep 2009 at 11:56

if non fault then you shouldn't be paying an excess?

MeAnBoY · 3 Sep 2009 at 11:59

loki101 said:
if non fault then you shouldn't be paying an excess?

Was thinking that too.