rod6e
Part of things
Posts: 94
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Assessor coming that afternoon to value the car. I gave it a quick wash as it cleans up a treat. I guess he'll be more interested in the bent front end though. Anyway, it's just occurred to me that the car is still logged in my name (it was my car for 12 months then my fiancée took over with it for the last two years. Is this going to curse word up the claim, potentially? Am wondering whether I should quickly send off the v5 stating change of keeper 2 years ago. Getting a bad feeling as about the whole claim! No, all this means is that any payment for the car ought to be made to you in your name. I will just re-iterate what others have said. If they take your car, they have some control. Keep it in your sight and keep the keys in your hands. You still own it even though it is currently a pile of bent metal. You can't 'buy back' your own car as you are not selling it to anyone. You will just lost the salvage value. Ie, if the car is valued at £1000 with a 10% salvage value, you get £900.00 and keep the pile of bent metal and do with it what you like. If they take the car, then they have to give you the full £1000. Dave,
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MK2VR6
Posted a lot
Mk2 Golf GTi 90 Spec
Posts: 3,328
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Well this ended up going tits up. After waiting for the entire afternoon for the garage bodyshop manager to visit us to inspect the car at our home, he didn't turn up. His admin staff have since fed us a cock and bull story that the insurance company instructed them that the car was recover only, and not to allow inspection at home. After well over an hour on the phone this morning, wasting an entire day of our holiday yesterday and generally being dicked around by all and sundry from the very outset of this non-fault accident, my fiancee gave the garage the go ahead just now to come and collect the car as she'd had enough. Rather than have my gentleman's area removed by a very cross, hormonal lady (tbh I had enough of the situation myself by this point) I gave the go ahead, the car has literally just been collected by a very polite and patient recovery vehicle driver. We will be lodging a formal complaint against the local garage that we were lied to, have wasted over a day of our holiday and felt pressurised into releasing our vehicle to the bodyshop. What's done is done, I guess. I will reiterate to the insurance company that we would like first refusal on buying the car back if possible. Thanks for all the help on here so far; fingers crossed the rest of the process isn't as horrendous as what we've experience so far.
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In over 10 years of insurance broking, I can't say I recall ever having an issue with a car going into the bodyshop to be assessed.
As others have said, it's simpler for the insurers to do it that way - the bodyshop is approved, it puts its estimate in, if the desk jockey at the insurer is happy then they approve it and the car gets repaired. If they don't like the estimate, the insurer's engineer goes out to see it. If they've got 10 cars for him to look at, clearly it's better if the cars are all in one place.
If it ends up being written off and you agree to take the salvage it just means the bodyshop needs to bring it back to you.
I'd be more worried about his insurers not getting in touch with you frankly. First sniff of their driver being at fault and they're usually all over you so you run around in their courtesy car rather than an expensive credit hire car. Which suggests he's not reported it. Why?
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@pistonbroker on Twitter
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johnd
Part of things
Posts: 839
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I too would be more worried about that
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Ryannn
Posted a lot
Posts: 2,421
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It took the third party days to get in touch with me after I got driven into. In that time, my insurors had sent me a courtesy car and sent an assessor out!
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MK2VR6
Posted a lot
Mk2 Golf GTi 90 Spec
Posts: 3,328
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The accident was on Thursday and when we were on the blower yesterday the other party's insurer hadn't been informed by them of the accident. However, our insurer explained that it may take several days for them to have the details filter through from the guilty party. In the meantime we are thoroughly enjoying the loan Vauxhall Insignia (apart from the crappy stop start and electronic handbrake. Lovely mile muncher.
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olduns
Part of things
Posts: 326
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i'm currently sorting a non-fault of my own, admittedly only cosmetic, accident happened mid May, as of late July my insurers still hadn't received any info, white van man belonging to a large fleet needs to report to his depot/fleet manager simple you'd think?...supposedly they have up to 90 days to do this?
re: removal of vehicle from driveway, seems to be the thing nowadays, OH's Life was written off by her, Ins co arrange pickup BUT straight to a Salvage yard not Bodyshop so not too sure if we'd have had a whiff of salvage?
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MK2VR6
Posted a lot
Mk2 Golf GTi 90 Spec
Posts: 3,328
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i'm currently sorting a non-fault of my own, admittedly only cosmetic, accident happened mid May, as of late July my insurers still hadn't received any info, white van man belonging to a large fleet needs to report to his depot/fleet manager simple you'd think?...supposedly they have up to 90 days to do this? re: removal of vehicle from driveway, seems to be the thing nowadays, OH's Life was written off by her, Ins co arrange pickup BUT straight to a Salvage yard not Bodyshop so not too sure if we'd have had a whiff of salvage? Blimey, that's a worryingly long time-scale. Have you been smoking around in a free loan car for the whole of the meantime?
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MK2VR6
Posted a lot
Mk2 Golf GTi 90 Spec
Posts: 3,328
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Aug 11, 2014 20:47:03 GMT
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Update time again. We have been made an offer on the written off Golf. Turns out the market value of 140k 2002 VW's isn't what it used to be. Checking on ebay and the like, I sadly have to agree with the insurance company. Anyway, we're in the process of sorting paperwork. The guilty party has now told my fiancees insurers that he wasn't to blame and that she was at a 'funny angle'. He wasn't able to add any more detail. I can't remember who/where it was said, but would I be advised to not fill in paperwork until he has sent his own paperwork in? The last thing we want is for our description of events to be forwarded to him and then for him to use it to twist things around. Or do we have little choice? Yours confuddeldly, MK2VR6.
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Aug 11, 2014 20:58:52 GMT
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Not much help I know but I wouldn't be looking at ebay, thats where all the traders I know get rid of all the dubious wibblepoo they don't want on a forecourt but that is worth more than frag money, autotrader would be a better bet, remember you want an amount you could get a similar car ready to go for, not one with problems/ needing work etc.
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