nel5on
West Midlands
Posts: 270 
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Feb 11, 2015 14:26:09 GMT
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Can my car be made a Cat C without my permission by a 3 party?
I got hit on the sliding door of my V class Mercedes, I have the event recorded on DVR and while their insurance company haven't viewed the footage, they have sent out an assessor to see the damage.
As i'm not working, I choose to make the claim personally against the other party's insurer(my insurer was informed and there is no claim against me) as I feel the insurance companys will alway take the simple/cost effective option for them...not me!
The Assessor has come out today, and suggested the value to repair is over GPB1500 they will declare it as a Cat C. (not economical to repair)
Can they make my Car a Cat C, without a payout?
I don't want them to Cat C my car with my approval, can this be done?
(Even the assessor said it was a shame to cat C such a nice example of this type of car)
Maybe someone knows, something that will help me understand more on this issue?
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Last Edit: Mar 5, 2015 8:21:52 GMT by nel5on
Covin
996.2
Tucson
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Feb 11, 2015 15:57:49 GMT
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get your insurance compnay to deal with it? surely they'll get the car repaired and recover all costs from the 3rd party if they are proved to be in the wrong.
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joe90
Yorkshire and The Humber
Posts: 1,027
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Feb 11, 2015 23:04:56 GMT
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Have a word with the assessor you may be able to get it as a cat d, you won't get much less than what they would have payed you as a cat c and it saves on the VIC check.
Bryan
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ChasR
RR Helper
motivation
Posts: 10,191
Club RR Member Number: 170
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Feb 11, 2015 23:28:53 GMT
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Years ago you could avoid writing off a car in a non fault claim.
Now this is tricky. I have recently had this with one of my cars and it was written off despite my best efforts. I do have the option of buying the car back which is something I have had done before.
These days (bar when it comes to selling the car) a CAT C or D does not bother me ; many cars have had hefty shunts and never put through the insurance (I am in that list now I hate to say). It really does not take much to write off a car in the UK these days, especially a car older than 7 years old. Using new genuine parts (I myself would not use pattern parts but secondhand bits from an original car) and high labour rates contributes towards this; that is before you get to hire car charges.
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Last Edit: Feb 11, 2015 23:30:18 GMT by ChasR
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THE_Liam
Yorkshire and The Humber
If at first you don't succeed... HAMMERS.
Posts: 1,363
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I had a Citroen AX GTi written off because some daft bint in a Land Cruiser reversed into the drivers door outside my mates house. It was non-fault for me (seeing as I was on my mates throne when it happened), and the insurers instantly wrote it off and paid me the full £600 I'd paid, annoyingly, 2 weeks earlier, and I bought the car back for £60. Bought a new door in the right colour for £25, good as new. Basically I ended up with a mint AX GTi for £85, so I was happy.
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Feb 12, 2015 10:53:02 GMT
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Hi, IIRC only your ins co can write the car off. You are making a third party claim the against the other ins co so they have to honour the claim. So stand your ground.
Having said that, just because you are not claiming through your ins co doesn't mean your premiums will not go up, because you will be viewed as an increased risk.
Colin
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MrSpeedy
East Midlands
www.vintagediesels.co.uk
Posts: 4,786
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Feb 12, 2015 16:31:05 GMT
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This is something we are just getting into with regards to our 400E pick up after some twunt pulled across in front of me and shoved me in a ditch backwards.
We have informed our insurers but we're handling the claim ourselves through solicitors against the uncontesting third party.
The tricky bit is going to be getting them to pay out as much/slightly more as the truck is worth for us to repair it. A simple financial payout to the 'market value' is not enough as there simply aren't any examples to be bought that could replace it!
As for the Catagory of damage, I believe the engineer who assess it determines that?!
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whysub
Part of things
Posts: 65
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Feb 12, 2015 17:11:12 GMT
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Please also be aware that some (but so far only a few) will not insure a car that was written off as a Cat C or Cat D. I believe these insurers view at as a vehicle that an insurance company have already paid out on before.
It has nothing to do with safety of the repair to the vehicle, just economics, but hopefully an insurance savvy member will be along soon to explain this, and future implications.
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Feb 12, 2015 17:53:30 GMT
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ask about payment in lieu, I managed to do this with my old zx.
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Feb 12, 2015 17:54:52 GMT
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I'm also in a similar conundrum. I hit a deer in my E28 beemer about a month ago. It leapt a high hedge (the deer) as I came round a corner and there was literally f all I could do to avoid it or lose any speed. Bonnet and bumper are both kinked (both repairable if I panel-beat/bend them); the headlight, grilles and numberplate are all smashed (all replaceable), and the front valance is badly buckled (thats spot-welded on, so easy to swap out). Essentially its a repair that I can do myself with a few weekends off work. Still £150 in parts not including the bonnet and the bumper. I read my policies small-print (fully comp, non-classic specialist), and in the event of a claim on a car over 20 years old, they will automatically send an assesor out. Hence, although I'm fairly certain it would be written off, I'm confident that I could negotiate a fair price for it, as its a tidy, low mileage example. Then hopefully buy it back on salvage and end up a few hundred pounds up, without them taking it away at any point. However, I don't want the car to go down on the books as a cat C or D. I have been led to believe that this will make it harder to insure as well as harder to sell in the future. Does anyone have any experience of this? I accept that it will be harder to sell, but how much more difficult will it actually be to insure? I'm also young, and as such losing my NCB would be a total pain in the  , because there was no third party to claim against. Is such an occurence likely to go down as 50-50 or non-fault? Its probably too late for me to claim now anyway but it had me thinking. |
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1986 BMW 628csi, 2003 Alfa Romeo 147, 1992 Jaaaaag XJ40, 1982 BMW R100 cafe racer.
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Feb 12, 2015 18:11:58 GMT
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Hi, not wishing to be harsh, but insurance is to cover you against loss, not for you to make a profit. If you don't want CatC or D and don't want to lose your NCB then don't make a claim. I think you will just have to take it on the chin and repair it yourself.
Colin
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Last Edit: Feb 12, 2015 18:13:56 GMT by colnerov
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Feb 12, 2015 18:32:52 GMT
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Used to be the case that, if it's not your fault & is repairable - the 3rd party's insurer is obligated to repair the car to pre accident condition.
I don't know if that is still the case.
Whatever happens, do not let them take to van anywhere, until you are happy with the outcome.
I would fight for it being repaired with no marker put against it.
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nel5on
West Midlands
Posts: 270
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Ok, so my car was Cat C'ed without my permission or knowledge by the OTHER insurance company! (DVLA check confirmed this)
I have contested the insurance valuation and payment as I cannot replace the car on that money, and now the van is Cat C, I don't care to own it anymore.
If we make court, can I charge/include the insurance company for the costs, of insuring, owning the new car(upto the court date)(as I cant use the old one), and storage of the old one on my property?
(I can see a court awarding rental car costs, but it could take 6-9mths to get to court, and who wants to rent a car that long)
Thanks for any help in advance,
Nelson
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Last Edit: Mar 4, 2015 17:09:20 GMT by nel5on
Covin
996.2
Tucson
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I'm also in a similar conundrum. I hit a deer in my E28 beemer about a month ago. It leapt a high hedge (the deer) as I came round a corner and there was literally f all I could do to avoid it or lose any speed. Bonnet and bumper are both kinked (both repairable if I panel-beat/bend them); the headlight, grilles and numberplate are all smashed (all replaceable), and the front valance is badly buckled (thats spot-welded on, so easy to swap out). Essentially its a repair that I can do myself with a few weekends off work. Still £150 in parts not including the bonnet and the bumper. I read my policies small-print (fully comp, non-classic specialist), and in the event of a claim on a car over 20 years old, they will automatically send an assesor out. Hence, although I'm fairly certain it would be written off, I'm confident that I could negotiate a fair price for it, as its a tidy, low mileage example. Then hopefully buy it back on salvage and end up a few hundred pounds up, without them taking it away at any point. However, I don't want the car to go down on the books as a cat C or D. I have been led to believe that this will make it harder to insure as well as harder to sell in the future. Does anyone have any experience of this? I accept that it will be harder to sell, but how much more difficult will it actually be to insure? I'm also young, and as such losing my NCB would be a total pain in the , because there was no third party to claim against. Is such an occurence likely to go down as 50-50 or non-fault? Its probably too late for me to claim now anyway but it had me thinking. I had a prang in my Merc estate a few years ago (I was at fault). They were going to write it off but I told them I'd arrange to have it fixed privately and would take a smaller payout and pay the difference myself. We agreed an amount and they cut me a cheque. The assessor never even came to look at the car, just had me email him some photos. The insurance company is just interested in closing out the case as quickly and cheaply as they can. Odds are the assessor will determine that your car is a write off. But if you tell him that you're able to do the repairs yourself and will take a smaller payout to cover the cost of materials, he'll probably agree it. Given that decent E28s are getting rare and going up in value you may just find that they'll bite your hand off. |
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Last Edit: Mar 4, 2015 19:56:20 GMT by mrabody
1995 Range Rover 4.0
1995 BMW 320i Saloon
1989 BMW 325i Touring
1991 Mercedes 300TE-24
1991 Mercedes 190e
1970 Sunbeam Imp Sport
1966 Valiant 200 Custom
1964 Ford Fairlane 500 Station Wagon
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compass
Posted a lot
www.compasstrading.co.uk
Posts: 1,644
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ask about payment in lieu, I managed to do this with my old zx. This! Someone rear ended me a couple of months ago. Their insurance company offered to repair it (car value about £1500). I asked for it not to be repaired, and they offered me £1400 as a payment in lieu, and I got the car back without a marker against it. If you can get a payment in lieu, you'll be able to get it repaired yourself. |
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tdipd
Part of things
Posts: 121
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I had my motorbike crashed into, not my fault. The damage should have writ off the bike, but I called their company and told them to send out a cheque for less than their evaluation.
Bike wasn't written off,
I got a cheque for 1500
Fixed bike with second hand parts for 500
I was quids in, and bike was fixed and not recorded.
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