#16: Re: Smash Author: pug_206, Location: essexPosted: Fri Oct 01, 2010 8:34 am ---- wing from peugeot a sport one was 84 pound i think but needed it sprayed as well go scrappy may be your best place
#17: Re: Smash Author: copey, Location: rochdalePosted: Fri Oct 01, 2010 8:59 am ----
Golfguy206 wrote:
whos fault was it (in insurance terms) ??
If he admitted he was in the wrong and you can prove you it, then it will be classed as a NON FAULT accident and should not affect you pol prem.
#18: Re: Smash Author: Danw_VVT, Location: Herts/LondonPosted: Fri Oct 01, 2010 9:07 am ---- mate if i was you id go to a garage get a estimate so you know what parts you need, i.e light wing etc. charge the guy who did it or depending how much its going to cost go through insurance. saves so much hassle as you dont have to waist your time and you get a courtesy car to p**s about in and no stress.
just my opinion thoguh!
#19: Re: Smash Author: rhysgerrard, Location: Wrexham, North WalesPosted: Fri Oct 01, 2010 9:22 am ---- Yeah im going to peugeot tomorrow, gunna get an estimate and then ask the guy what he thinks. If its going to be 300 quid ie new wing off ebay (£24.00), Respray about £100? then new light then ill see what he wants too do......
#20: Re: Smash Author: Danw_VVT, Location: Herts/LondonPosted: Fri Oct 01, 2010 9:24 am ---- dont forget to add a bit for your time if your doing it yourself mate!
#21: Re: Smash Author: rhysgerrard, Location: Wrexham, North WalesPosted: Fri Oct 01, 2010 9:32 am ---- Yeah no worries. Thanks for the advice pal. Just gutted. Its been a month since i passed today, what a bummer!
#22: Re: Smash Author: rhysgerrard, Location: Wrexham, North WalesPosted: Fri Oct 01, 2010 9:37 am ----
This is it, :'( *Crying*
#23: Re: Smash Author: Danw_VVT, Location: Herts/LondonPosted: Fri Oct 01, 2010 9:46 am ---- hate to say it mate but id deff go through insurance due to hidden damage chances. as mine wasnt that bad and as said cost alot of cash. this is what my wing looked like!
#24: Re: Smash Author: rhysgerrard, Location: Wrexham, North WalesPosted: Fri Oct 01, 2010 10:06 am ---- Ive looked it over though and it is JUST the front wing. Headlight brackets are knackard but thats it. Gunna see what happens tomorrow.
#25: Re: Smash Author: Golfguy206, Location: PeterboroughPosted: Sun Oct 03, 2010 6:47 am ----
STOP! Go through your insurance!!
You WON'T have to pay your xs, the car gets repaired properly, and it does not go against you!! You have nothing to fear and everything to gain.
Some insurance companies can refuse to reinsure you if you do the work yourself of the may ask for a vehicle safety check (SVA test, which you will have to pay if doing it yourself).
Take it from me (an insurance underwriter) a non fault claim (so long as the. Ost of the claim can be recovered from The third party) will NOT go against you. Ask for it in writing anyway that they are not going to increase you premium at renewal.
#26: Re: Smash Author: rhysgerrard, Location: Wrexham, North WalesPosted: Sun Oct 03, 2010 6:50 am ---- See that is what im worried about, aslong as the insurance doesnt go up the i dont care. I need to get my car fixed as its doing my head in now.
Thanks for the Advice Everyone....
#27: Re: Smash Author: Jamie1337, Location: Dorchester, DorsetPosted: Sun Oct 03, 2010 7:20 am ---- Looking at that damage it'll have broken at least one bracket holding the wing on, if not the wheel at the bottom too. I'd go through insurance. Better to be safe than sorry, since it's not your fault it shouldn't affect the price you pay next year for renewall.
#28: Re: Smash Author: Ali_H, Location: Chichester, SussexPosted: Sun Oct 03, 2010 9:44 am ----
Golfguy206 wrote:
STOP! Go through your insurance!!
You WON'T have to pay your xs, the car gets repaired properly, and it does not go against you!! You have nothing to fear and everything to gain.
Some insurance companies can refuse to reinsure you if you do the work yourself of the may ask for a vehicle safety check (SVA test, which you will have to pay if doing it yourself).
Take it from me (an insurance underwriter) a non fault claim (so long as the. Ost of the claim can be recovered from The third party) will NOT go against you. Ask for it in writing anyway that they are not going to increase you premium at renewal.
If it doesn't go against you why do they ask if you've had ANY accidents in 5 years regardless of fault
#29: Re: Smash Author: Lee, Location: EnglandPosted: Sun Oct 03, 2010 9:46 am ---- My mums insurance went up when some smack rat run into her
#30: Re: Smash Author: Coolspot, Location: East SussexPosted: Sun Oct 03, 2010 12:03 pm ---- I still say go the insurance route unless you have paid a garage to confirm a garmented cost of repair and found all the damaged caused from the accident.
Going the route of dealing with it yourself defeats the point of having insurance and paying out all that money per year unless its something tiny and easy to fix.
Bad points of doing the leg work is you still have a damaged car your car will only get fixed for what you say is damaged and you have to loose your car for the duration at you own cost. Lastly it may not be done to the level your insurance company are required to do. meaning you have wasted money and you still have to fix bits.
The garage may paint you car the required colour but may also not match it to the current which the insurance company will do.
Insurance company all the way IMHO unless you excess is stupidly high.
I believe the question about claims is something to do with seeing your last 5 years claims history to see if you are claiming for something every year. (like fraudsters)
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