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[Diamond Black Geezer]

Have to say a similar incident happened when father clouted a road sign in the old TD... bumper was actually ok, bar a couple of snapped clips, but the rear crossmember was deformed, boot dented heavily (lights ok, though)

Basically...

Car insurance write off - why even bother ringing anyone? Waste of everyone's time so...

-New 2nd hand bootlid in the same colour off OOF
-Ratchet straps attached to something sturdy, like a tree, gatepost, another parked car etc.. pull crossmember and boot lip back out
-Fettle, mallets etc.. until boot shuts again.
-New 2nd hand bumper in similar(!) colour off OOF

Total cost about two days and £50ish... That's no specialist tools (unless you count ratchet straps) no specialist knowledge, no specialists' time, just some common sense and a couple of days... well, that's if we discount the initial lack of common sense in having a car with worn wishbone bushes, incorrect camber at the rear, consequential greasy handling causing the car to 180 on a country road in the first place, of course 

[ronnyd]

Assessor came today(to my house), definitely writeoff, . But i still have the car and will wait for offers from my
insurers.(AXA), then will see my local body shop to get it roadworthy again with temporary repair if poss.

[zirk]

Assessor came today(to my house), definitely writeoff, . But i still have the car and will wait for offers from my
insurers.(AXA), then will see my local body shop to get it roadworthy again with temporary repair if poss.

Dont even know why you are dealing with your Insurance, you wasn't even in the Car when it happened. Should have dealt directly with His Insurance Co, and if they got stroppy, then get an Independent Assessor to deal with them and claim His costs from them.

Another black mark on your Insurance record through no fault of yours now.

 

[Magwheels]

AXA, round the corner from me, their assessor was from Hooper's no doubt.

Make sure you get them to get an admission of liability from the other insurer that way you know they will make a full recovery and you will not lose your excess etc.

Can be wise dealing with your own insurer as if you deal with the TP insurer you have no FOS referral rights.

If they make you an offer ask from where the data comes from and insist they send the valuation data over.

If you get stuck PM me.

[ronnyd]

Both myself and the TP are insured with AXA, me with Swinton and him Swift Cover which was why i went through
my broker. Should have first offer tomorrow or Monday.

[Magwheels]

At least being a "friendly" claim they can't blame the other insurers for any delays.

AXA underwrite a multitude of policies so not a surprise they might insure both of you really.

But be aware FOS referral rights still apply.

To be honest AXA are not a bad business to be dealing with.

We await your offer

[Broomies Mate]

That's bad new in my experience.  The insurance company will, in effect, be claiming against themselves.

In this scenario, they will be looking to minimise the costs all round.

If they were claiming against another underwriter, cost wouldn't be an issue..........

[ronnyd]

Just heard from insurance company, they have valued car at £830 plus i get to keep it. Am seeing my local body shop
about repairs as it is very reliable and i want to keep it,(better the devil you know etc.) Mileage is 96k. It,s been
assessed as Cat C. Any thoughts anyone? TIA.

[Diamond Black Geezer]

Sounds great news to me. Get as many parts 2nd hand but decent as poss, therefore giving you the chance to go bananas at the bodyshop. Better than getting brand new parts, which there's then not enough money left in the kitty for a decent respray, if you follow? Looking forward to hearing the progress. 

[Magwheels]

Told you they wasn't that bad!

Cat C means you will need to get a VIC , not to much bother. It just checks the vehicle identity and is there to help stop ringing etc.

VIC costs about the same as an MOT but the checking stations are few and far between. That's why I recommended a CIL as it would not have gone on the register as a prev t/loss and no VIC required.

Still not too bad an outcome.

[05omegav6]

Told you they wasn't that bad!

Cat C means you will need to get a VIC , not to much bother. It just checks the vehicle identity and is there to help stop ringing etc.

VIC costs about the same as an MOT but the checking stations are few and far between. That's why I recommended a CIL as it would not have gone on the register as a prev t/loss and no VIC required.

Still not too bad an outcome.

All well and good, but insurers have a nasty habit of logging the salvage as a category loss BEFORE they let you know, regardless of any previous instruction

[ronnyd]

Couldn,t screw any more dosh out of the insurers, tight gits. Have had car straightened out, looks ok apart from the
dent in the boot. Will decide what to do next spring. Car is now cat C so do i get certificate from insurers or do i just
go ahead and arrange for a VIC check? This is all new to me so any info would help.TIA.

[Diamond Black Geezer]

There's a mint boot in my local scrappy in Z147 with a prodrive spoiler, not gold, I know, but just a thought if none other get offered

[05omegav6]

Firstly, your insurance will be reduced to Third party only until you have a VIC check done.

Needs a fresh Mot then book it in with VOSA. Current Mot should still be valid, but a new confirms the car is currently roadworthy when it is presented for the identity check.

Once checked, you will receive a new V5 with a note on the front page saying it has had a VIC and why

[omegod]

You don't need a Vic , any subsequent owner would need to though! You can throw £45 away if you want to though. Btw your mot is still valid just in case you were wondering