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[dragonlord]

just had someone go in to the back of my elite at the lights

silver t reg 3l mini face lift full servis history 86 thousand on clock emasculate condition.

bumper been pushed in and up on passenger side

boot opens and shuts but bit of a catch clunk and not quite right

bumper sticking out a bit on near/passanger side looks like busted clip

but not much paint damage to bumper and not dented or cracked

dosent look like boot floor is affected

but thinking that insharance will find it an un economical reparable

what you guys think as i dont know mig body prices
and what the car would be worth


if it is a un econimical i want to keep and fix

what you guys think its worth as i dont want to get screwed by the insharance

gutted

[Lizzie_Zoom]

That is very sad news indeed!

After losing my CDX last October in the same way I know what you are going through!

However, from what you say the damage is certainly repairable, and maybe (if you are lucky)with insurance company money 8-) 8-)

This was the condition of mine, which had over £2,000 worth of damage.  I received a cheque for £1,650 from the insurance company.



Hope that helps!

All the very best

[mantagte]

don't know what the value is
but my best bet is that insurance comp will write it off as uneconomical repair and grade it as a cat c
which normally means a vic check and new mot
bought mine back last year for £50 from insurance after the same thing

[cem_devecioglu]

hi,check the rear door gap clearences..

[dragonlord]

 it was fairly light hit nowhere near as above pis shoory to hear about yours m8

door gaps  clearance ok small bit out on boot gap on pasanger side

gap between top of bumper and boot out and passenger side as well

i thing its mostly bumper mountings and tail gate bit what ever you pushed ever so slightly

it wont get wrote off a such but my insharance im 3rd party only

hes admited liability and in writeing was decent enouth

i rang his insharaince and told em im giving them a chance to settel and sort me a hire car

or if they mess around ill call a accident management company or file a county court claim as hes admitted liability and its a no brainer

stopped a lights he gos strait into the back of me while im stationary

they told me there going to get hold of him and contact me tommorow

[Lizzie_Zoom]

But it should be your insurance company that chase the other drivers insurance company and make a full claim.

You should not have to become involved direct with the other party.

[PhilRich]

it was fairly light hit nowhere near as above pis shoory to hear about yours m8

door gaps  clearance ok small bit out on boot gap on pasanger side

gap between top of bumper and boot out and passenger side as well

i thing its mostly bumper mountings and tail gate bit what ever you pushed ever so slightly

it wont get wrote off a such but my insharance im 3rd party only

hes admited liability and in writeing was decent enouth

i rang his insharaince and told em im giving them a chance to settel and sort me a hire car

or if they mess around ill call a accident management company or file a county court claim as hes admitted liability and its a no brainer

stopped a lights he gos strait into the back of me while im stationary

they told me there going to get hold of him and contact me tommorow

I'm sorry to hear you've had everyones worse nightmare come true mate  I hope everything is sorted in your favour very quickly 

[Zuffenhausen]

If you want to buy it back let them know now. I had a similar experience with a previous car, the insurance had sold it on to a breaker efore they had paid me out so didn't technically own the car at the time.

[Lizzie_Zoom]

If you want to buy it back let them know now. I had a similar experience with a previous car, the insurance had sold it on to a breaker efore they had paid me out so didn't technically own the car at the time.

That may not have been quite the case, as although the car may be moved to a breakers to save storeage fees at the garage, it is not broken up until full confirmation is given that you have accepted the insurance payment and released the car from your legal ownership.

A common insurance practice

[dragonlord]

my insharace is 3rd party only

so can not claim off them

as if had it go on so long when stuff has happed like this

that way iv gone strait to his insharance i told them
 i wont wait

sort it out or ill file a court claim with in 14 days

car is with me

im going to ask the vx dealer for a quote in the morning

[Lizzie_Zoom]

my insharace is 3rd party only

so can not claim off them

as if had it go on so long when stuff has happed like this

that way iv gone strait to his insharance i told them
 i wont wait

sort it out or ill file a court claim with in 14 days

car is with me

im going to ask the vx dealer for a quote in the morning

But it is a third party that has caused the accident, so surely it justifies a claim from your insurance company against them? :-/ :-/

EDIT:  Blimey you have me thinking about this one and wondering what the legal situation is when the third party accepts liability; should / can / will your "Third Party" insurance company mount a claim for you?      .........I wonder.......... :-/ :-/ :-/

[dragonlord]

they would  but drag there feet for ages last time something like this happend

it took two years to be payed when some dumbow

drove into while i was parked and smoking a fag on my driveway. with the engine not running a 3 Independet wicnesses


this one is a no brain he went in to back of me at the lights and has admited it in writeing

and i cant afford to wait 2 year while insharence prats play around and aint going to

they should know there have pay and it will cost em a lot more if i got to a no win nofee claims lot


so i figger give em a chance to pay up quick

as if i do there wont and start mucking me around

they pay in 14days or ill sue em strait away
myself

[Cliffo B]

Can you not think of it this way, just for now forget about insurance especially your 3rd party insurance, and simply think of your right to have a perfectly good claim for damage to your property thro the civil courts. Point this out to his or her's insurance co and it should sharpen their attention to your reasonable need to have your property restored to an undamaged condition.I hope you soon get a satisfactory conclusion after all your not to blame and the other party seems to quite fairly recognise this. Again hope it all works out ok

[dragonlord]

thanks that was what i was thinking

it was a him in a smartcar

[Varche]

Hope you get it sorted. I have yet to have a happy experience with car insurance claims ALL of which were other party fault.

Was it a Smart car that ran into the back of you? I went in one of those a few days ago and have never felt so vulnerable in my life!!