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Jan 10, 2012 21:02:55 GMT
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Jan 11, 2012 11:44:45 GMT
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Hi, Thanks for the link. In fact that car lives very near to me, and I have known about it for years. Unfortunately it is not really a comparable car as that is the later MPi model. Mine is the original carb model with metal bumpers and a whole load of other differences. They are much more scarce than the MPi ones.
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Jan 11, 2012 12:44:24 GMT
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any feedback from the insurance assessor yet? got the car back?
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1937 Austin Street Rod - 1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1976 Rover V8 - 1994 Ford Fiesta
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j4mes
Part of things
Posts: 168
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Jan 11, 2012 13:25:32 GMT
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any feedback from the insurance assessor yet? got the car back? Seconded!?!?
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roundozo
Part of things
Retroless but not for long!
Posts: 332
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Jan 11, 2012 14:33:27 GMT
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third'd??
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10mpg
Club Retro Rides Member
Posts: 4,253
Club RR Member Number: 204
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Jan 11, 2012 16:22:23 GMT
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fourthd'd
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The Internet, like all tools, if used improperly, can make a complete bo**cks of even the simplest jobs...
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Jan 11, 2012 17:15:16 GMT
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UK Assistance Wakefield is where its gone. Rang them up again. Recorded the call.
They said this is the second day running that no assessor has visited the garage, and no reason has been given. I spoke with the switchboard lady first who said there is a note flagged as URGENT on the computer that I want the car back as soon as possible. She said that as soon as an assessor has visited and seen it, they will deliver it back to my choice of location right away. Then I spoke to the guy in the garage part, and he said it is perfectly safe and nobody will touch it. He has put a label on the keys saying NO PART TO BE REMOVED OR DAMAGED. I said 2 its been 2 days now and I don't think they are feeling my urgency. They said the assessor is probably waiting for more cars to come in before they call to do the assessments. I said it would be in their interest to look straight away, as it will be costing them in storage fees. Apparently it doesn't cost them because Direct Line actually own the garage! I've got that quote recorded in case storage fees are ever mentioned later. It is costing them in another way though, as the longer they stall, the longer I keep the courtesy car which is from Enterprise, so thats got to be costing them. They said definitely they will be in touch tomorrow as soon as it has been assessed. I told her I will be ringing again tomorrow afternoon if nothing is heard.
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MonzaPhil
Posted a lot
Think like a man of action, act like a man of thought
Posts: 2,456
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Jan 11, 2012 20:40:58 GMT
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Keep hassling them, assessor was out in 2 days to look at MonzaNikkis Discovery, I didn't let it out of my sight after all the horror stories about insurance storage yards, we're still fighting NFU who seem to think you can get a nice 300TDi Discovery for £1150....... might go round and kick them all in the nuts next week.
Good idea to record calls and keep a note of all correspondence. Hope you get it sorted.
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This is now a clicky linky!
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ScORTED
Part of things
ITBs = Bwaaaarp
Posts: 427
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Jan 11, 2012 21:05:51 GMT
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g NFU who seem to think you can get a nice 300TDi Discovery for £1150....... might go round and kick them all in the nuts next week. genuinely laughed at that Back on topic though, you already paid for the courtesy car in your insurance premium fella. When they return the car before accepting it back check it over and make sure nothing is missing / additional damage etc. good luck
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"In engineering there is an answer to everything, It's just that we're usually too ignorant or too dim to see it." Keith Duckworth If you'd binned it into something that either didn't move, or survived intact (like I did, well, technically I landed on top of it, skillzorz...
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Jan 13, 2012 21:50:11 GMT
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I work for an accident managment company and deal with these situations on a daily basis,
I would try and insist you want the car moving back home to be assessed so you can keep an eye on it and discuss with the engineer, the insurer will have to allow this as its your property although the insurers will need to authorise it being moved as they will need to cover storage costs to uk assistance.
The insurer may not be willing to recover it too your house but if you have aa.rac cover then use that. As previously stated your car will be treated as a scrap car and they will not be too fussed if any further damage occurs whilst in thier possession at uk assistance, as soon as the engineer declares it to be beyond economical repair is normally when the vultures will start draining fuel and taking bits they fancy. Despite the mixed opinions on here I can tell you the third party insurer have to return you to the position you were in before the accident but by this they mean if you had a car that is beyond economical repair then they have to pay you the value of the car ie before the accident you had a £1000 car so they give you £1000 minus around 10-15% for you to retain the salvage (damaged car). The car is likley to be a cat b,c,or d. If the engineer thinks the car is not safe to go back on the road it will be a cat b , this can happen on older cars if they have been in previous accidents or if when the engineer inspects the car he can see structural damage or even rot/rust around the damage area if this happens kiss the car goodbye as they will only sell to a registered vehicle dismantler. A cat c is when the cost of repair exceeds or is likely to exceed 66% of the value of the car , cat d is when the repairs are less than 66% of the value but the engineer decides not to repair , this can be due to risk of further damage being found when they strip the car. the 66% rule is a guidline but some companys do work to their own numbers sometimes as high as 70% of the value, sometimes as low as 60%. to summarise insist you want it at home and don't take no for an answer,try and gain some evidence from adverts for similar vehicles (i realise this will be difficult) and when the engineer attends to inspect the car have the value evidence ready along with receipts for any work done. A cup of coffee and a wagon wheel to befriend him could help too.
The best you can hope for is a cash in lou payment (to keep the car off the register)use the money to pay for the labour to get the car fixed using the bits you already have. I doubt you will come out of this without it costing you money which is unfare but without an agreed value with your own insurer before the accident you may struggle.
hope this helps and good luck.
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Last Edit: Jan 13, 2012 21:56:12 GMT by adlo1981
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Dude, can I just say thanks for your informative and expansive reply on this, probably for this alone it's worth FAQing this once the issue is resolved for the OP
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1937 Austin Street Rod - 1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1976 Rover V8 - 1994 Ford Fiesta
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Jan 14, 2012 10:18:41 GMT
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The catagory and decision as to wether to repair also depends on what the insurance co can get for the salvage, i wouldn't bank on it being only a certain % of pay out value. At one point certain motorcycles CBR6's, R6's R1's were making more than bottom book price in salvage auctions even when significantly damaged, if we used to get one of these in they were almost always written off straight away as the ins.co could make more money this way, the price we used to get offered them for reflected this to - way too high!
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Jan 14, 2012 18:30:01 GMT
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with cars especially old ones the salvage is always a % of the PAV (PRE Accident value), category would be judged on the repair costs rather than salvage value , this is how the guidlines are set although i do agree insurers will be flexible to their own gain although they will never admit to this.As for motorcycles i cannot comment as i work for a company that deal with cars/vans only.
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Jan 14, 2012 18:31:11 GMT
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thanks also alistairk for your comment
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Jan 15, 2012 16:00:05 GMT
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Still ongoing. Glass's guide price is £400 retail for my car. The repair will cost more than that. Neither am I going to find a car the same as mine or in the same condition, or a car of this age and size with LPG conversion.
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30psi
Posted a lot
Posts: 1,024
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Jan 15, 2012 19:37:09 GMT
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A cat c is when the cost of repair exceeds or is likely to exceed 66% of the value of the car , cat d is when the repairs are less than 66% of the value but the engineer decides not to repair , this can be due to risk of further damage being found when they strip the car. the 66% rule is a guidline but some companys do work to their own numbers sometimes as high as 70% of the value, sometimes as low as 60%. The problem here is that as you say some companys work on their own system, but the one they should be adopting uses 100% as the break over between D & C as per the MIAFTR code of practice.
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1962 Ford Thunderbird 6.4L
1981 Datsun Bluebird SSS CA18DET
1981 Datsun Bluebird SSS SR20DE
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Jan 15, 2012 23:17:59 GMT
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I've been assured I'm getting it back. They know I intend to fix it. Don't think it will be going on the register as any category. Just need to get enough money out of them to cover repair costs. It's a damn good job I have so many spares stored away or I'd be really crying. I recommend anybody who loves their car as much as I love mine buy as many donor cars as you can keep. Store as many spares as you can. When something like this happens it is a boon to be able to open your garage and pull out the parts you need. There's been silence on the Mk1 Proton scene for months now. Not seen one for sale at all. Scrapyards crush them soon as look at them nowadays, so spares are getting really hard to find. The banger boys seem to like them as they are quite fast for what they are, and pretty solid too. Cable gear change means the front end can be bashed about loads and you can still change gears alright.
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Jan 16, 2012 10:59:01 GMT
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Also if you get known as "the Proton guy" ( insert make and model of choice here) you sometimes find local breakers calling you when one comes in, local motor factors say "we never sell any of this Proton stuff give us £20 and take the lot" etc. I used to get that when I was the "Vauxhall Victor guy".
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1937 Austin Street Rod - 1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1976 Rover V8 - 1994 Ford Fiesta
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kevfromwales
Posted a lot
the conrod's REALLY out the block now!
Posts: 3,909
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Jan 16, 2012 11:01:29 GMT
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if I remember right, there's a proton in mcguiness' scrappy in stoke on trent - if you need anything, give them a ring to se if it's still there, and if I can help snag bits I should be in there this week
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Almost on the road: b11 sunny breadvan, e36 tds, 325i skidcar,
nearly there: ford f250 tathauler, suzuki alto, u11 bluey
not for a while: ford pop, 32 rails,
not in this lifetime: ruby, '29 hillman
''unfortanatly I'm quite old and scruffy and in need of some loving. my drive shaft needs a new boot....''
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Jan 16, 2012 18:18:17 GMT
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I'll look them up. Thanks for that.
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