Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Del Boy on 22 June 2010, 22:58:40
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Well guys and girls you're a clever bunch, BMW want £1882 for a door seems a bit extreme to me being honest (luckily it's not me paying) and the insurance comapny are mucking me around a bit, finally got them to book it in at BMW next week, but would the insurance company send me a cheque for the repair in the post? If so can you guys help me and tell me how. Purely because I can get an entire M Sport kit painted and fitted on the car for £1200 and it'll look 10x better? And with the rest I can get an M Sport gearknob (have a spare in the garage anyway), M Sport steering wheel and an M Sport leather interior.
Is there anyway they would send me the cheque for the repair or am I just going to have to put up with a new door?
Thanks in advance :y
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I've obviously missed something... What's happened?
Oh... You could try asking the insurance company if you can arrange the repair... No guarantee it'll work but worth a try :y
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I've obviously missed something... What's happened?
Oh... You could try asking the insurance company if you can arrange the repair... No guarantee it'll work but worth a try :y
A bloke in a Lexus RX backed into my car last week (I think or the week before, must get that memory sorted out ;D) bent the door skin pushed it onto the side impact bar on the door pimpled the door out, some scuffing and a rather large dent in the door now >:( Anyway took it to BMW who said to me, you're fully entitled to have it in pre-accident condition (e.g no filler in the door), so I opted for a new door at his insurances' expense of £1882, they've been mucking me around and the rest I said above :y :y
I will defiantely ring them tomorrow and say that :y
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Would this not depend on the invoice raised by BMW for the total cost of the work done and whether it was sent to the insurance company by them direct or via you.
So if the work is estimated at £1900 odd, then surely the invoice would show that, leaving you little room for manoeuvre.
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Well guys and girls you're a clever bunch, BMW want £1882 for a door seems a bit extreme to me being honest (luckily it's not me paying) and the insurance comapny are mucking me around a bit, finally got them to book it in at BMW next week, but would the insurance company send me a cheque for the repair in the post? If so can you guys help me and tell me how. Purely because I can get an entire M Sport kit painted and fitted on the car for £1200 and it'll look 10x better? And with the rest I can get an M Sport gearknob (have a spare in the garage anyway), M Sport steering wheel and an M Sport leather interior.
Is there anyway they would send me the cheque for the repair or am I just going to have to put up with a new door?
Thanks in advance :y
Doubt you will be able to wangle it, as they are only liable for the repair, and rather than pay out and the job isnt donr properly then they tend to allways deal direct. Plus in effect what I think you are saying is that you want the repair money to repair and upgrade the car yourself.
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I've obviously missed something... What's happened?
Oh... You could try asking the insurance company if you can arrange the repair... No guarantee it'll work but worth a try :y
A bloke in a Lexus RX backed into my car last week (I think or the week before, must get that memory sorted out ;D) bent the door skin pushed it onto the side impact bar on the door pimpled the door out, some scuffing and a rather large dent in the door now >:( Anyway took it to BMW who said to me, you're fully entitled to have it in pre-accident condition (e.g no filler in the door), so I opted for a new door at his insurances' expense of £1882, they've been mucking me around and the rest I said above :y :y
I will defiantely ring them tomorrow and say that :y
Sorry to hear that Del.
Like I said... They may not play ball but the worst that can happen is they say no! ;)
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Who are you insured with Del, what are they like as a company, do you know anyone there?
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Well guys and girls you're a clever bunch, BMW want £1882 for a door seems a bit extreme to me being honest (luckily it's not me paying) and the insurance comapny are mucking me around a bit, finally got them to book it in at BMW next week, but would the insurance company send me a cheque for the repair in the post? If so can you guys help me and tell me how. Purely because I can get an entire M Sport kit painted and fitted on the car for £1200 and it'll look 10x better? And with the rest I can get an M Sport gearknob (have a spare in the garage anyway), M Sport steering wheel and an M Sport leather interior.
Is there anyway they would send me the cheque for the repair or am I just going to have to put up with a new door?
Thanks in advance :y
And we wonder why insurance is so expensive. You get to have a car done and dusted on the back of peoples policies. Typical Used car salesman. I am sorry for being blunt but when I had a cheque from the social a lot off peeps on here laid into me and I handed it back and quite rightly so.
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Who are you insured with Del, what are they like as a company, do you know anyone there?
We went through his insurance who are admiral.
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Your opinion Di think what you like, yes, I'm a trader everything I sell is fine and above board have no doubt about that, don't call me a typical used car salesman when you don't even know me as a trader nor a person. If they say no they say no, if they say yes, then I'll get the car done simple as.
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Your opinion Di think what you like, yes, I'm a trader everything I sell is fine and above board have no doubt about that, don't call me a typical used car salesman when you don't even know me as a trader nor a person. If they say no they say no, if they say yes, then I'll get the car done simple as.
Above Board getting all those extras, in my eye that is not above board and I doubt that the guy who owns the Lexus would see it that way either when he realises how much his premium will climb next renewal date. Just my opinion.
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How will me getting all those extras make the car not above board? How will his insurance premium rise anymore than it would have considering that the insurance company will be paying out exactly the same amount, but they won't have to pay for a courtesy car either will they? If they pay BMW the £1882 + a courtesy car that'll work out more than them just paying me the £1882. As you said though your opinion which you're fully entitled too. I just don't see where you're coming from with his premium rising as it'll rise by the same amount or less due to no courtesy car, as he was in the wrong for hitting a stationary car.
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How will me getting all those extras make the car not above board? How will his insurance premium rise anymore than it would have considering that the insurance company will be paying out exactly the same amount, but they won't have to pay for a courtesy car either will they? If they pay BMW the £1882 + a courtesy car that'll work out more than them just paying me the £1882. As you said though your opinion which you're fully entitled too. I just don't see where you're coming from with his premium rising as it'll rise by the same amount or less due to no courtesy car, as he was in the wrong for hitting a stationary car.
Actually Del mine and others who insure with Admiral will be paying a bit each towatds your BMW as there is no way that the guy that hit you will brunt the whole cost over how ever many years, coz he is entitled to insure with anyone as his renewal is due.
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Should this repair cost only £1200? You said so.
Why should the person who damaged your car have to pay for all the M Sport extras? Then you are able to shift the car for a lot more than it is worth right now. Try telling Admiral that you can get it painted and put right for £1200 and can I have a cheque for £1800 so I can upgrade the interior to make me a lot more profit. I think they might let you get away with that. Then again they might not.
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Well whichever way you look at it they'll be paying out £1882 either way so if they don't give me the money then they'll pay more for a courtesy car. I'm in a win win situation really, well I'm not as I had a buyer lined up for last week but that was lost due to the car being hit. I'd much rather he hadn't hit it but he did through no fault of my own.
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No Di, the repair is £1882 as quoted by BMW for a door, I can get the stuff for £1200 then get the rest of the stuff for the rest of the amount. Not try and get £1882 out of them, they're paying out £1882 not £1200.
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Well whichever way you look at it they'll be paying out £1882 either way so if they don't give me the money then they'll pay more for a courtesy car. I'm in a win win situation really, well I'm not as I had a buyer lined up for last week but that was lost due to the car being hit. I'd much rather he hadn't hit it but he did through no fault of my own.
I totally agree with you there Del, And I would be really gutted as well, and have been in the past when had cars totalled by uninsured drivers, A long time ago I had 13 cars on a saturday morning, by the time I went to bed early hours of Sunday I had 6 left. 7 totalled in less than 24 hours, my insurance went up to 14k a year.
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Hmm... I think you've got the wrong end of the stick Di... He's just looking to get the repair done at his choice of repairer (which everyone is entitled to do) who happens to be able to do the extras for the same price as BMW want for a basic repair.
This is not comparable to your situation which you referred to ;)
Afraid you're jumping up and down about nothing... Perhaps you've had a bad day ;)
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Why can't I word things like that :D Much simpler :y
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Hmm... I think you've got the wrong end of the stick Di... He's just looking to get the repair done at his choice of repairer (which everyone is entitled to do) who happens to be able to do the extras for the same price as BMW want for a basic repair.
This is not comparable to your situation which you referred to ;)
Afraid you're jumping up and down about nothing... Perhaps you've had a bad day ;)
Not had a bad day, quite the contrary, but if he can get it done at a reputeable repairer for £1200 get it done. And that should be the end of it. He is trying to wangle the extra £600 for they toys and that in my eyes is not fair, to anyone who insures a car, people doing these things increase premiums for us all, including himself.
Oh and by the way, there is a way of doing it, and is quite simple really. ;) ;) ;) ;) ;) ;)
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I said I can get the extras for £1200 not get the door done for £1200. I'm not trying to wangle anything because either way they'll be paying £1882. So explain how that is wangling when they'll be paying that amount to BMW if I don't get the cash?
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Hmm... I think you've got the wrong end of the stick Di... He's just looking to get the repair done at his choice of repairer (which everyone is entitled to do) who happens to be able to do the extras for the same price as BMW want for a basic repair.
This is not comparable to your situation which you referred to ;)
Afraid you're jumping up and down about nothing... Perhaps you've had a bad day ;)
In that case LD, would Del not only be entitled to claim - or the insurance only be required to pay out - for the actual cost of repair? In the case of his garage of choice - £1200.
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The garage never said £1200 for the repair, they'll have to order a door from BMW thus adding postage onto the £1882 so it'd be more wouldn't it? What I said was the extras could be got for £1200. LD actually summed everything up perfectly in his post.
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what are you talking about - your car needs repairing, the insurance company will pay for this repair, you have the right to decide where you want the work done but if it is not at their approved bodyshop then the assesor will want to see your car.
the only way to get what you want is for your garage to fraudulently claim by bumping up the price :-? ::)
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So to conclude.
Who ever does the repair the other guys insurance will be paying for it, this in turn will be checked by an accesor from Admiral and if deemed Del has fitted upgraded parts whilst the repair carried place they will be asking him for the difference.
Why?
Because no matter if Dell can get get the job done £1200 to cover the parts, the insurance are only liable for the repair on a like for like basis, so it doesnt matter if the total is £4k for the repair or £2K at Bodge it and Scarper, they will only pay for the repair, simple as.
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you can ask for a settlement by cheque Del, but your insurer may want to send their guy to examine the damage and he may decide it can be repaired cheaper (altho being a Beemer, it'll be classed as a premium brand(most beemers,mercs, audis etc are) and you can insist the work be priced for a BMW garage to repair it) :y
ps - use legal to claim back the excess you'll need to fork out to the garage
as an aside - Del's insurer pays then claims back from the Lexus guys insurance company (assuming he's insured - if not...chase them with legal or the claim goes against you - "at fault" doesnt mean you're at fault, it simply means that your insurer is out of pocket....until they get their money from Lexus guys insurer or you its an at fault claim on your policy :()
good luck :y
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The garage never said £1200 for the repair, they'll have to order a door from BMW thus adding postage onto the £1882 so it'd be more wouldn't it? What I said was the extras could be got for £1200. LD actually summed everything up perfectly in his post.
As I understand it Del the cost of fitting the new original equipment door by BMW (even though it may not be fitted by a BMW service centre) is £1882.
If your insurance company has agreed to that figure, they may want to see the repair done in full to justify their payout in order to prevent your doing what you're suggesting and having the repair done for a lesser amount and using the difference to spend on other work.
Although they may deal with the garage directly or through you, on foot of an invoice produced - you may have inadvertently declared your intentions to them, on this post, of seeking the agreed larger amount whilst attempting to spend less on the repair to enable you to use the difference in other ways.
They may not necessarily think that this was a good deal for them. :-/
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you can ask for a settlement by cheque Del, but your insurer may want to send their guy to examine the damage and he may decide it can be repaired cheaper (altho being a Beemer, it'll be classed as a premium brand(most beemers,mercs, audis etc are) and you can insist the work be priced for a BMW garage to repair it) :y
ps - use legal to claim back the excess you'll need to fork out to the garage
as an aside - Del's insurer pays then claims back from the Lexus guys insurance company (assuming he's insured - if not...chase them with legal or the claim goes against you - "at fault" doesnt mean you're at fault, it simply means that your insurer is out of pocket....until they get their money from Lexus guys insurer or you its an at fault claim on your policy :()
good luck :y
Hence my reply
Who are you insured with Del, what are they like as a company, do you know anyone there?
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Thanks Banjax very helpful mate :y :y
I understand what you're saying too Zulu, I'll bear that in mind :y
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Skruntie my insurance is Autonet or something like that, don't know anyone that works there to be honest.
It is autonet :y
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Well guys and girls you're a clever bunch, BMW want £1882 for a door seems a bit extreme to me being honest (luckily it's not me paying) and the insurance comapny are mucking me around a bit, finally got them to book it in at BMW next week, but would the insurance company send me a cheque for the repair in the post? If so can you guys help me and tell me how. Purely because I can get an entire M Sport kit painted and fitted on the car for £1200 and it'll look 10x better? And with the rest I can get an M Sport gearknob (have a spare in the garage anyway), M Sport steering wheel and an M Sport leather interior.
Is there anyway they would send me the cheque for the repair or am I just going to have to put up with a new door?
Thanks in advance :y
And we wonder why insurance is so expensive. You get to have a car done and dusted on the back of peoples policies. Typical Used car salesman. I am sorry for being blunt but when I had a cheque from the social a lot off peeps on here laid into me and I handed it back and quite rightly so.
Pot, Kettle, Black ::)