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Author Topic: write off  (Read 2086 times)

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mahony

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write off
« on: 26 March 2007, 16:57:16 »

Guys do any of you know roughly how much this is going to cost to do if i buy the parts required to repair and get a garage to provide the labour,looks like my insurance company are going to write it off for a wing and bumper  and some  trim  bits ,the estimate for repair by the insurance companys approved repairer is £2500, the car is in too good a condition in my opinion to write off,it's a 2000 omega elite 3.0 with 85000 miles. any thoughts ? also some sod nicked the chrome trim and badge from the front of the grill  last night any idea where i can get one other than vauxhalls.

http://i130.photobucket.com/albums/p254/mahony_photos/omegacrash001.jpg

http://i130.photobucket.com/albums/p254/mahony_photos/omegacrash002.jpg
« Last Edit: 26 March 2007, 17:01:09 by mahony »
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nixoro

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Re: write off
« Reply #1 on: 26 March 2007, 17:10:44 »

If you can get yourself some good quality parts the bumper is a 15min job to remove and I'm sure the front wing only bolts on, the only thing that would concern me is whether behind the wing and bumper whether there is any damage to the chassis at all but looking at it it wasn't a heavy knock.

You maybe lucky with some of the scrappers

Seem daft writing it off for that sort of damage
« Last Edit: 26 March 2007, 17:23:12 by nixoro »
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Markie

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Re: write off
« Reply #2 on: 26 March 2007, 17:48:19 »

yep wings do bolt on / off  :y

cant access the pics at work though to help in further assessment :(
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haydnm0

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Re: write off
« Reply #3 on: 26 March 2007, 18:30:13 »

there is a fair gap between the outer and inner wing so it should just be a bumper and wing you might find the you need to straighten the bumper mounts a bit but the damage doesn't look to heavy and it takes alot to do the chassis in i know i did it with the help of a lamp post
best of luck mate
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TheBoy

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Re: write off
« Reply #4 on: 26 March 2007, 18:30:57 »

Reason they are writing off is simply because no prefacelift is worth £2.5

It does seem like a fairly heavy quote though...
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JasonH

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Re: write off
« Reply #5 on: 26 March 2007, 18:42:05 »

I'd say you should be able to pick up a wing and a bumper in the right colour from a scrappy or Ebay.

There are a few breakers that specialise in Vx. There's one that just does Omegas - that chap has joined the forum.
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TheBoy

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Re: write off
« Reply #6 on: 26 March 2007, 18:46:32 »

For the repair bill to be £2.5k, there is more damage than just wing and bumper....
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Kevin Wood

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Re: write off
« Reply #7 on: 26 March 2007, 19:18:15 »

I've just been quoted 900 to replace a bonnet with new, repaint and blend into wings, etc. I'm not sure what the cost difference would be between the two but the labour has got to be similar, as this is mainly in the paint and preparation, unless anything major needs straightening out.

I'd agree with TB. either the repairer is bumping the price up as it's an insurance job or the damage is more extensive than it looks. Worth getting a second opinion pointing out that you were quoted 2.5k and it's a write off (so if they don't quote competitively, they won't get the business).

Have you got a copy of the repair quote? These are normally generated by an industry standard piece of software and are itemised to show exactly what they've quoted for.

Have a look and see if they've bulked out the quote by charging unreasonable amounts under "paint", "workshop materials", "charges", etc.

To give you some idea mine broke down into 237 quid for a bonnet, 374 labour 144 for paint and materials and 13 "charges"  ::)

If there are a few bits of trim, headlights, etc in that bill I can see it getting quite large and you could bring it down significantly by sourcing parts from a breaker.

Kevin
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mahony

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Re: write off
« Reply #8 on: 26 March 2007, 19:40:35 »

i have not seen a itemised break down of what needs to be done yet, the  garage which quoted the £2500 to repair is the insurance (admiral) companys approved repairer and only when i phoned the garage to give my mobile number the guy commented the repair bill was around the £2500 mark and did i roughly know what the car was worth as it's likely it will be written off,there is one other thing i did not mention in my first post which is the tracking is slightly out as the steering wheel is no longer centralised,the assesor said that they would have to do a full geomerty check as well ,maybe this has bumped up the cost but i thought that a check like that would not be all that expensive as i believe wheels in motion in watford do a check for £80 or so ,also come to think of it i seem to remember the assesor saying the bumper may be ok and untill they take it off  and check it they wont know for sure it needs replacing ,god knows what the parts/labour breakdown is,will keep the post updated when the insurance company get back to me but it's early days yet as the car has not been officially written off yet,thanks for all the replys.
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TheBoy

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Re: write off
« Reply #9 on: 26 March 2007, 19:57:23 »

Quote
i have not seen a itemised break down of what needs to be done yet, the  garage which quoted the £2500 to repair is the insurance (admiral) companys approved repairer and only when i phoned the garage to give my mobile number the guy commented the repair bill was around the £2500 mark and did i roughly know what the car was worth as it's likely it will be written off,there is one other thing i did not mention in my first post which is the tracking is slightly out as the steering wheel is no longer centralised,the assesor said that they would have to do a full geomerty check as well ,maybe this has bumped up the cost but i thought that a check like that would not be all that expensive as i believe wheels in motion in watford do a check for £80 or so ,also come to think of it i seem to remember the assesor saying the bumper may be ok and untill they take it off  and check it they wont know for sure it needs replacing ,god knows what the parts/labour breakdown is,will keep the post updated when the insurance company get back to me but it's early days yet as the car has not been officially written off yet,thanks for all the replys.
If you've banged the alignment out in an accident, it is likely you have some significant damage...
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Chopsdad

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Re: write off
« Reply #10 on: 26 March 2007, 20:49:08 »

Last time I did £2500 damage to car (cav) was by driving it into a rockface after losing it in the snow.  The damage looked like bumper and new radiator but ended up with new wheel (and trim lol) suspension parts, tyre, radiator, fog light, number plate, headlamp, indicator, respray front wing and bonnet.......and £200 for the recovery costs.

The last accident I had (corsa), included a new door, fill lower sill and respray both and it was only £500 ish via insurance.

So if the chassis is twisted it's a gonner, but it doesn't look that serious from the pics to me.  Why don't you quiz the garage again on what's wrong to better understand or better still insist on taking it to your own repairer for a second opinion.  Admiral may have a list of authorised repair agents but you pay the premium and can insist on your own choice.   Good luck.  :y
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DaveL

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Re: write off
« Reply #11 on: 26 March 2007, 21:51:37 »

Could not comment much but IMHO the garage is bumping up the price somewhere. Get a second opinion from another repairer. Have put a link to a site that has parts. You can see yourself a wing is not expensive. I was lucky enough to get a face lift bonnet sent up to me in Scotland from Manchester. Fitted a treat and good colour match as well. All less than a local garage would take to spray.

Where abouts do you stay :question In your intro post it does not say. Perhaps there is a forum member nearby that could give you some guidance on the ground as it were.

http://www.sel-imperial.co.uk/SelectMark-part?modelid=295&makeid=37

Good luck in your quest. :y
 8-)
DaveL
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mahony

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Re: write off
« Reply #12 on: 27 March 2007, 12:37:57 »

i have just spoke to the garage which gave the estimate and was informed the £2500 repair bill includes any items they may have not come across and only further investigation will bring any other issues to light  ,that means the car is written off for damage they have not spotted yet and may well be not there ,you could not make it up! that means they have probably quoted for inner wing,bumper support etc,they won't give me a parts/labour breakdown as they only supply this info to the insurance company at this stage yet it's my car the are quoting on! .
« Last Edit: 27 March 2007, 12:41:17 by mahony »
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hotel21

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Re: write off
« Reply #13 on: 27 March 2007, 16:23:37 »

The important thing to consider here is whether the Insurance Company Assessor has actually seen the car or not, or is simply relying on the quote from the repairing garage.

I would suggest that the assessor has not seen it and the garage do not want the work - too old, difficult to match paint etc - thus they inflate the price such that the car is simply declared a total loss.  They get the recovery costs, call out costs etc which keeps them happy.

Contact your insurance company directly, ask to speak to the Loss Adjuster, explain whats what and send him the same photographs that are posted here.

I bet you hear a different story thereafter.....

HtH

B
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DaveL

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Re: write off
« Reply #14 on: 27 March 2007, 16:42:48 »

Quote
The important thing to consider here is whether the Insurance Company Assessor has actually seen the car or not, or is simply relying on the quote from the repairing garage.

I would suggest that the assessor has not seen it and the garage do not want the work - too old, difficult to match paint etc - thus they inflate the price such that the car is simply declared a total loss.  They get the recovery costs, call out costs etc which keeps them happy.

Contact your insurance company directly, ask to speak to the Loss Adjuster, explain whats what and send him the same photographs that are posted here.

I bet you hear a different story thereafter.....

HtH

B

I agree do a little more delving and talk to the adjuster from your insurance. ;)
 8-)
DaveL
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