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 Posted: Tue Sep 28, 2010 2:32 pm |
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Joined: May 31, 2010
Posts: 838
Trade Rating: +3
Location: United Kingdom
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| Jeebers! wrote: |
| sorry to hear about your car mate. the good thing is shes taking the blame so that saves alot of hassle. how bad is the damage? |
it's not too bad, hopefully should be fixable ...
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Posted: Sat Feb 04, 2012 2:07 pm |
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Joined: Dec 15, 2011
Posts: 136
Trade Rating: 0
Location: Plymouth, Devon
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| sillyhilly wrote: |
| wardie_206 wrote: |
Was u in the car mate?? If so get down the diva and hold your neck lol!! Wiplash claim little £1300-2000 claim mate!
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You f*****g pikey scumbag. |
Well f*****g said. What a d**k.
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Posted: Sat Feb 04, 2012 3:30 pm |
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Joined: Feb 10, 2010
Posts: 4014
Trade Rating: +2
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| ratykat wrote: |
| sillyhilly wrote: |
| Ash wrote: |
| sillyhilly wrote: |
| wardie_206 wrote: |
Was u in the car mate?? If so get down the diva and hold your neck lol!! Wiplash claim little £1300-2000 claim mate!
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You f*****g pikey scumbag. |
"Ash and 35632234 Young Drivers likes this" |
Yes, it's little scrotes like this which mean I was paying (and still am) double to most females the same age...
He's also the reason the insurance in my 1st year cost the same as the car itself.
Idiot. |
completely agree. |
+1
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Posted: Sat Feb 04, 2012 3:31 pm |
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Joined: Dec 15, 2011
Posts: 136
Trade Rating: 0
Location: Plymouth, Devon
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| Big_Rich180 wrote: |
| ratykat wrote: |
| sillyhilly wrote: |
| Ash wrote: |
| sillyhilly wrote: |
| wardie_206 wrote: |
Was u in the car mate?? If so get down the diva and hold your neck lol!! Wiplash claim little £1300-2000 claim mate!
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You f*****g pikey scumbag. |
"Ash and 35632234 Young Drivers likes this" |
Yes, it's little scrotes like this which mean I was paying (and still am) double to most females the same age...
He's also the reason the insurance in my 1st year cost the same as the car itself.
Idiot. |
completely agree. |
+1 |
I'd be over the moon if my insurance cost the same as my car did. Instead, my insurance costs 3347, and my car cost 650.
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Posted: Sun Feb 05, 2012 3:14 am |
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Joined: Jan 29, 2011
Posts: 6526
Trade Rating: +10
Location: Westhoughton, Lancashire
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Seems like the days of having a bit of a minor damage bump settled at the roadside have gone.
Depending on how bad the damage is, by the time you pay the excess and the increased premium for the next few years, it can work out cheaper to pay cash for the repairs. If you haven't contacted the insurance already, go get a quote from a garage. Do the neighbourly thing and go and see her and explain that it could cost her more by going through the insurance and show her the quote. She might write you a cheque there and then. You go get the style of bumper you want (insurance will only pay for what it left the factory with unless you get a nice repairer who orders the wrong part), and then any body damage gets done by the repairer of your choice.
If you have told the insurance, with some companies you might still be paying an increased premium for the next 5 years for a non fault claim.
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Posted: Sun Feb 05, 2012 12:51 pm |
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Joined: Jan 07, 2012
Posts: 111
Trade Rating: 0
Location: Fife
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(insurance will only pay for what it left the factory with)
No they won't, you have the right to have the car restored to the condition it was before the smash. Same as you can take it to a repairer of your choice no matter what they may say otherwise.
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Posted: Sun Feb 05, 2012 1:39 pm |
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Joined: May 12, 2011
Posts: 104
Trade Rating: 0
Location: Bournemouth/Newcastle/Kent
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| Fifer wrote: |
(insurance will only pay for what it left the factory with)
No they won't, you have the right to have the car restored to the condition it was before the smash. Same as you can take it to a repairer of your choice no matter what they may say otherwise. |
pretty sure that will only be the case if you declared any modifications, OEM or not, on your policy
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Posted: Sun Feb 05, 2012 1:44 pm |
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Joined: Feb 07, 2010
Posts: 3666
Trade Rating: +59
Location: Scotland
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All depends on your insurer and what the policy covers you for, so arguing about it is pointless.
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| '98 Nile Blue 306 GTi 6
'04 Obsidian Black 206 GTi 138 | |
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Posted: Sun Feb 05, 2012 1:51 pm |
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Joined: May 12, 2011
Posts: 104
Trade Rating: 0
Location: Bournemouth/Newcastle/Kent
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| G. wrote: |
| All depends on your insurer and what the policy covers you for, so arguing about it is pointless. |
This
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Posted: Sun Feb 05, 2012 1:54 pm |
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Joined: Jan 29, 2011
Posts: 6526
Trade Rating: +10
Location: Westhoughton, Lancashire
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If you go to a non insurance approved repairer it can take longer for the repairs to be authorised, and if the insurance company don't have an account with the repairer then they can delay releasing your vehicle back to you until the payment has cleared. Most insurance approved repairers can start work immediately upto a certain amount without having to wait for authorisation, that's why it's better to use them rather than choose one of your own if the insurance are picking up the tab.
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Posted: Sun Feb 05, 2012 2:13 pm |
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Joined: Jan 07, 2012
Posts: 111
Trade Rating: 0
Location: Fife
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All depends on your insurer and what the policy covers you for, so arguing about it is pointless.
Not in a no fault accident it doesn't. The others insurers have a duty to put you in a position as you were before. That's why you can also claim hire car costs during the repair.
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Posted: Sun Feb 05, 2012 3:08 pm |
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Joined: Nov 27, 2010
Posts: 11520
Trade Rating: +10
Location: What's it to you? ? ?
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I wouldnt touch an insurance approved repair place with a barge pole, most of them just churn out endless p**s poor repair jobs.
I rather use a bodyshop I pick or have the car written off.
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| Toyota C-HR GR Sport 2.0 Hybrid with JBL & Alcantara packs. | |
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Posted: Sun Feb 05, 2012 3:09 pm |
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Joined: Mar 27, 2010
Posts: 3017
Trade Rating: 0
Location: Running from Ant and Lee and Adam...........
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What did I say that a mod has changed?
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Posted: Sun Feb 05, 2012 3:10 pm |
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Joined: Mar 27, 2010
Posts: 3017
Trade Rating: 0
Location: Running from Ant and Lee and Adam...........
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And why are we replying to a old thread :S
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Posted: Sun Feb 05, 2012 3:18 pm |
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Joined: Jan 29, 2011
Posts: 6526
Trade Rating: +10
Location: Westhoughton, Lancashire
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| Ash wrote: |
| And why are we replying to a old thread :S |
That will be my fault for not reading when the thread was started after someone replied to it. At least someone has used the search function to find it in the first place
Be nice to know what happened with the repairs in the end.
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