Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Mr Hagon on 26 February 2009, 10:49:23
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To try and cut a long story short, I had an accident last week at a set of traffic lights where I hit another car. Hopefully everything should go in my favour as I had right of way and the third party performed a right turn when they saw a gap in the traffic and clearly didn't expect to see me!
Anyway, it's all going through the insurance and I had the expected letter yesterday saying that it was a "total loss".
So, another Omega bites the dust. Bit of a shame given that two weeks ago it had been serviced and MOT'd.
Here's some pictures of the damage:
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_917_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_918_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_919_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_920_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_921_lo.JPG)
Mark
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Farewell ..... :'( :'(
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Ouch!
As long as everyone is ok, thats the important thing.
Can always get another tin box on wheels ;)
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Ouch!
As long as everyone is ok, thats the important thing.
Can always get another tin box on wheels ;)
Yep, that's the SWMBO said when I spoke to her. I can replace Miggy, I can't replace me.
Neither myself nor the third party were injured and my airbag didn't trigger either.
The worst bit of it was the stark realisation that I would be without a car, but also without the car that I had lavished seven years of love and attention on.
Mark
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Im sure you will find another. shame though as looked a tidy car. :(
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Im sure you will find another. shame though as looked a tidy car. :(
Well I'm thinking estate this time, but seeing as the latest Omega I could get would be in excess of five years old I'm thinking of something else.
Mondeo. (Sit back and watch the flame!)
Mark
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Glad you're alright, but sounds like you might have suffered somewhat with the impact! You're considering a Mondayno over a Miggy :question :exclamation :question
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Thats written off :'(
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Thats written off :'(
Oh, yeah. Kinda knew it from the outset. I've spoken to the coachworks where the car was recovered to, and they've estimated repairs at over £4k, with parts alone at £2k. Clearly "uneconomic to repair".
It was only at WIM in July last year for four new boots and the rear track rod end arms to be replaced. At least I had a good few months of it running straight and true.
Mark
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What a shame - sounds like a good example and relatively low miles from your sig.
Does the bonnet open? would be intersting to see how the bits have been rearranged. Its a bit surprising the airbag didn't go off..
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What a shame - sounds like a good example and relatively low miles from your sig.
Does the bonnet open? would be intersting to see how the bits have been rearranged. Its a bit surprising the airbag didn't go off..
I haven't tried the bonnet, but when I had a good look the radiator had been pushed back but possibly not as far back as to hit the engine block.
Not having crashed a car so spectacularly before, I'm quite unsure about what will happen next. I assume "total loss" is final and even if the third party is found to be 100% at fault their insurer wouldn't pay for the repairs instead of writing off the car.
Mark
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They'll come out and value it.
Worth noting you can argue that valuation and they'll often increase their offer.
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They'll come out and value it.
Worth noting you can argue that valuation and they'll often increase their offer.
Yep. Throw the offer back at least once or twice and they will normally make a sensible offer to get rid of you. Get hold of plenty of Roger Budden adverts so you can support your claim that it's worth more than their offer. Also reciepts showing the care you've lavished on it won't go amiss.
Kevin
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Time for a 3.2 Elite, find an advert and INSIST.
BTW quite a few spares on yours - try to break it
Claim for inconveniance ect.
Lad at work managed to trade his N reg 1.6 Megane Coupe to a P reg 2.0 when a dippy cow crashed into it outside his house.
1 final thing - is it definately a write off and not bonnet, wing, bumper from a breakers?
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They'll come out and value it.
Worth noting you can argue that valuation and they'll often increase their offer.
Yep. Throw the offer back at least once or twice and they will normally make a sensible offer to get rid of you. Get hold of plenty of Roger Budden adverts so you can support your claim that it's worth more than their offer. Also reciepts showing the care you've lavished on it won't go amiss.
Kevin
This is where I should win, as I have kept absolutely everything to do with the car, particularly all the servicing invoices. They will definitely show how much care I've lavished. The insurer has actually asked for them, so I'm busy photocopying them at the moment.
I will start another topic once I receive the first settlement offer, although the next time I speak to the insurers I may well ask if the car can be repaired if I'm not found at fault, i.e. the third party insurer is accepting liability.
Mark
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hope your ok after that crash mate looks nasty from the pics
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1 final thing - is it definately a write off and not bonnet, wing, bumper from a breakers?
Thats a 20 - 25mph crunch as a guess, that will need a lot more than chemical metal and panel beating...
Whatever happens, thats well and truely written off.
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1 final thing - is it definately a write off and not bonnet, wing, bumper from a breakers?
Thats a 20 - 25mph crunch as a guess, that will need a lot more than chemical metal and panel beating...
Whatever happens, thats well and truely written off.
Mine didn't look much better but was easily repaired Fartis wanted to write it off >:(
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Time for a 3.2 Elite, find an advert and INSIST.
BTW quite a few spares on yours - try to break it
Claim for inconveniance ect.
Lad at work managed to trade his N reg 1.6 Megane Coupe to a P reg 2.0 when a dippy cow crashed into it outside his house.
1 final thing - is it definately a write off and not bonnet, wing, bumper from a breakers?
I will see what I can do about getting the car as salvage and breaking it, but I wouldn't have anywhere to store it.
Again it would be good for plenty of spares: tyres, wheels, interior etc.
Indeed a write off, when you look at the total cost of parts and labour. The guy at the coachworks didn't even try and open the bonnet; he just totted up the bonnet, bumper, wing etc. and knew that it would be a write off.
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hope your ok after that crash mate looks nasty from the pics
No injuries, just p*ssed off that my pride and joy is bent out of shape!
Mark
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1 final thing - is it definately a write off and not bonnet, wing, bumper from a breakers?
Thats a 20 - 25mph crunch as a guess, that will need a lot more than chemical metal and panel beating...
Whatever happens, thats well and truely written off.
Yep it was about that speed, can't really see what damage the engine has received.
Mark
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1 final thing - is it definately a write off and not bonnet, wing, bumper from a breakers?
Thats a 20 - 25mph crunch as a guess, that will need a lot more than chemical metal and panel beating...
Whatever happens, thats well and truely written off.
Yep it was about that speed, can't really see what damage the engine has received.
Mark
Oh mine was a gate post at about 10 mph
(http://i91.photobucket.com/albums/k286/martinimber/car/DSC02965.jpg)
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1 final thing - is it definately a write off and not bonnet, wing, bumper from a breakers?
Thats a 20 - 25mph crunch as a guess, that will need a lot more than chemical metal and panel beating...
Whatever happens, thats well and truely written off.
Yep it was about that speed, can't really see what damage the engine has received.
Mark
Oh mine was a gate post at about 10 mph
(http://i91.photobucket.com/albums/k286/martinimber/car/DSC02965.jpg)
A minor tap in comparison...
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I will start another topic once I receive the first settlement offer, although the next time I speak to the insurers I may well ask if the car can be repaired if I'm not found at fault, i.e. the third party insurer is accepting liability.
Mark
Regardless of who pays, the insurers will choose the cheapest way out, and that's going to be a write off. No question about that. :(
If you want to break the car you could approach them after you've agreed a settlement and see what they will sell the remains for.
Kevin
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i reckon thats fixable,looks fairly cosmetic to me,and parts arent exactly expensive,eg irmscher grill on ebay now for 19.99...get the payout and try and buy it back from the insurance company i say!! :y
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i reckon thats fixable,looks fairly cosmetic to me,and parts arent exactly expensive,eg irmscher grill on ebay now for 19.99...get the payout and try and buy it back from the insurance company i say!! :y
Anything is repairable! Not worth the effort or cost though... That's serious damage and will need to be put on a jig to confirm everything's straight before it went on the road ::) ::)
Glad you're OK
RIP Miggy :'( :'( :'(
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just depends how much work you can do yourself...easy for me to say.....im a panel beater!
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As mentioned before, regardless of who was at fault, a written off car is a written off car, also regardless of its perceived value to the owner......RIP Mig
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I would be amazed if any insurance company agreed to repair that.
Apart from the obvious panel damage,there are probably quite a few damaged components between the bumper and the front of the engine block,not to mention front chassis legs/inner wings etc;
If they let you keep it you could make a few quid by breaking it though.
having recently sold a Mundaneo I would never advise anyone to buy one.Depends on your budget though.If I wanted reliability above character I would buy Japanese.If you enjoy a bit of tinkering under the bonnet,than you could do worse than another Omega,someone on here got a nice one with LPG a few days ago for under a grand. :y
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make a fun track day car...if you wanted to do a rough fix and get a lsd in there!!
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Repairable but deffo insurance companies wont accept..
so rip off :'(
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I would be amazed if any insurance company agreed to repair that.
Apart from the obvious panel damage,there are probably quite a few damaged components between the bumper and the front of the engine block,not to mention front chassis legs/inner wings etc;
If they let you keep it you could make a few quid by breaking it though.
having recently sold a Mundaneo I would never advise anyone to buy one.Depends on your budget though.If I wanted reliability above character I would buy Japanese.If you enjoy a bit of tinkering under the bonnet,than you could do worse than another Omega,someone on here got a nice one with LPG a few days ago for under a grand. :y
Well I'm not technically minded, to the point where I throw myself and various body parts at my local Vauxhall Masterfit dealer every six months. At least I've built up a good relationship with the Service Manager.
Mark
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(http://i202.photobucket.com/albums/aa163/vxl_v6/31122008.jpg)
(http://i202.photobucket.com/albums/aa163/vxl_v6/09012009.jpg)
Mine was estimated as at least 5K to fix....
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I have no idea if this is true or not .... but I was told some while back (about 8 years) that :
If the fault is not yours and you are claiming off the other parties insurance DIRECTLY, they cannot use the "market value" clause in the contract ... because YOU have no contract with them. The only contract that exists is between their client and themselves. You have the right to insist that the car is returned to the state is was immediately prior to the incident.
If you claim via YOUR insurance then the clause can be invoked by YOUR insurers, as you have a contract with them, and it is up to them how they claim from the other parties insurers.
This all came about when the Granada was rear ended and they wanted to write it off, I was about to try this attack, after rejecting my insurers offer, when they appointed an independent assesor who decided he would not write it off and it was then repaired, without me taking this approach. As I say .. might be a load of rubbish ... any Insurance Claims Experts among us ???
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To try and cut a long story short, I had an accident last week at a set of traffic lights where I hit another car. Hopefully everything should go in my favour as I had right of way and the third party performed a right turn when they saw a gap in the traffic and clearly didn't expect to see me!
Anyway, it's all going through the insurance and I had the expected letter yesterday saying that it was a "total loss".
So, another Omega bites the dust. Bit of a shame given that two weeks ago it had been serviced and MOT'd.
Here's some pictures of the damage:
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_917_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_918_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_919_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_920_lo.JPG)
(http://www.mhagon.demon.co.uk/omega/crash/20090218_IMG_921_lo.JPG)
Mark
If the same happened to me & i saw the Beastie looking like that i'd lose it, drag him out of his car...red mist...police van...handcuffs...mind your head son...sat in a cell picking teeth out of my knuckles.
You've got more self control than me mate. :(
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In my case there was no one to claim against or anyone claim against me as I was the third accident on the scene with no one else involved. I just decided to modify the crash barrier then spin a 180 degrees and slide sideways past the fire engine and upturned car in lane 1.
What you cannot see on the first picture is that the road is actually sheet ice, it was nearly impossible to stand up on it. The upturned car was acccident 2, out of shot there are two cars up the embankment - accident 1 and behind the fire engine are another sixteen vehicles - accident 4.