none fault accident.!!!!

[domino1971]

Hi there guys need some advice . Coming home from work on monday night. And I was going hit by a old gent that forgot to demist his windscreen and he couldn,t see . He has taken full responsibility, and his insurance company have said no problem get a few quotes locally to me. Done that today very different in prices so here is the bit I need help. With my car is a rareish 1987 peugeot 309 xld 2 door with 43,000 miles from new. The damage is drivers door and a slight bit to the wing, still drives as it should .i think they will cat c. It due to its age ? Should I go for a cash settlemant and get it fixed myself, ?? Or what I want them to do is get it fully repaired . But I don,t think theyll do that. how can I get the best settlment Also can I tell them to get ne a like for like car?? Theyll be lucky I think as theres only 3 registered in the uk. Any help would be great .......,

[jgtr]

Don't panic! You should be able to get this sorted with a bit of work. Best thing is to speak to the insurance company, what they can do is offer payment in lieu of repair. They basically just give you cash and you can do what you want with it. They are human (eventually) and will be happy to help if you explain the situation.

The problem you may have is that the repair costs are too much in which case it will be written off and you but it back but will be cat D - personally not much of a problem on older vehicles especially if you document the damage and repair work.

If you don't want it written off then you need to find cheaper quotes, they may just give you payment in lieu of repair just to settle claim at an agreed amount - they save money on admin and car hire this way.

They don't have any responsibility to find you another car, that's down to you.

There's prob other options and different companies will work slightly differently, but talk to them.

[taurus]

If I remember right if you agree a sum with the insurers which includes you keeping the car they don't actually have to declare it a write off in the paperwork. (Not that it really makes any difference, but some people prefer to avoid it if possible.)

The snag is the value they will offer you won't be any more than the car is worth so it depends if you can get it repaired for that value. That's where you need to haggle because their initial offer will be pretty low given the age of the car. So what you need to do is to document it's condition, what you've done to it to enhance its value, prove the mileage is genuine - etc. Basically what your aim is is to show them that worth more than they first suggest.

I had a Triumph Toledo which was hit by someone else, it was a total loss and they offered me peanuts for it. I had the car stored in a workshop and argued that due to its condition, mileage, the care lavished on it (annually Waxoyled & maintained in as new condition) it was worth more than they offered - they eventually paid three times the original offer.

[domino1971]

Thanks for the advice guys I have got three quotes the biggest quote 1500 pounds and the other 2 around the 1000 pounds + vat . Will see what the gents insurance company say he is with ESURE don't now what they,ll offer. The car is immaculate inside and out . And has full peugeot service history and bill of sale too. The damage isn,t major just a not bad size dent in the door and scrape along the wing. And side mouldings damaged. I will see what happens as I do want to keep the car and keep it unrecorded if possible but i,m realistic . .thanks for the advice guys will keep you posted on the outcome. Fingers xd

[meltdown]

Photographs, take plenty of them, interior and freshly washed exterior (pre & post accident)

It all helps..