Alfa Romeo Forum banner

1 - 12 of 12 Posts

·
Registered
Joined
·
15 Posts
Discussion Starter #1
Hi All,

Irregular poster!! I think i've only posted when I need help which has maybe only been once (for a cambelt failure - rebuilt by Iainfm, cool guy). Anyhow, I dont need help, just some advice.

My 156 (02 plate) was rear ended about a week ago with damage to bumper, boot lid and boot floor. (VW TV van, only cracked his number plate). :mad: My initial gut reaction is that the insurance company will most likely write this off as an uneconomical repair. As mentioned had the engine rebuilt earlier this year, put nice new leather interior in, and just got it through its MOT about 5 weeks ago. To say I'm gutted is an understatement.:cry:

Anyhoo,,I was wondering if any of you guys have had any similar experiences and, if any, whats the story with the insurance co. Presumably, if its a write off, insurance company will pay me some pittance, no doubt, but can I still negotiate to get my car back? don't want it going to some salvage yard,,I could get it repaired myself (well with Iainfm's help) and then re MOT it but does it then also need an engineers report? Also, it would need to be reinsured again. Do insurance companies insure write off repaired vehicles? or is it specialised ins cos?. I'm awaiting news from Ins co, just wanted some advice as I'm in a dilemma as to what to do. :confused:
 
P

·
Guest
Joined
·
0 Posts
Most of the above dilemma will depend on what category of a write off it is, which varies according to the price of repair against value of car, and the likelihood of affective repairs being satisfactory to return the vehicle to a proper roadworthy standard.

seeing as it was sufficent to deform the boot floor, i would guess it is going to be about a B class write, uneconomical and tough to repair, maybe, just maybe, if you can negotioate the estimates down in price you may get it low enough to fall into a C, which is at which point it becomes more of a possibilty to purchase the car off the insurance company at agreed market value, less the estimate cost to repair.

so for example the car was worth £3000 pre accident, is going to cost £2000 to effectively repair, you can buy it for £1000 with the insurance compensation that you are offered to consider the car a write off.

it can get a bit tricky from here on, because the car will be on the register, most insurance companies don't mind, but some can add to the premium because they consider the car more awkward to repair and value, should something happen again in the future, so you can sometimes come across an inflated premium, plus because of the classification of write off, when you do finally want to sell it, it is worth very little if HPI'd, and more difficult to sell on altogether.

it can be done but its tricky to get right.

what you really want is to get estimates that are very expensive to make the purchase price very cheap, but go too far and they simply won't do it anyway, but it can work.

a friend of mine did this very thing not long ago with his e320 cdi, quite successfuly, after a side swipe that was estimated to reqwuire entire replacement doors, wings, sils, 2 x amg alloys etc etc, was mostly repaired using all the existing panels after buying it off them at a very cheap price, BUT, it will always be a very cheap car from now on,

so its a balancing act and how much you love the car at then end of the day.

good luck

cheers

shrew

ps - one final note, never accept a first or likely even a second offer, if you can evidence that they have not offered enough to affect the repairs or replace the car etc, you do not have to accept it. the bartering does stop eventually, but haggle like hell, it gets you a lot closer to what you want.
 
P

·
Guest
Joined
·
0 Posts
I just noticed whereabouts you are up in Fife, i don't suppose you come south very often do you?

there is a lovely trailer up your way but its way too far to still be a bargain if i have to fetch it!!

ha ha!!
 

·
Registered
Joined
·
15 Posts
Discussion Starter #4
cheers for the post Shrew,,,thanks for the info,,does indeed sound like a fine balance,,tbh, the car is going to be nowhere near enough valuewise compared to cost of repair,,waiting to hear form ins co,,and decide then,,haven't been sowf of the border for a wee while,,,
 
P

·
Guest
Joined
·
0 Posts
good luck with the claim mate whichever way you go, and remember, the amount we all have to pay these days, any opportunity you get to get some service back

screw em into the bloomin ground for every last penny!

ooh! i think i got whiplash typing that with furious fingers, wheres that claims direct number?????

ha ha!!!
 

·
Registered
Joined
·
1,926 Posts
Cat A Write off, cannot be used for anything, must be crushed and melted down
Cat B - cannot be put back on the road but can be used for spares
Cat C - badly damaged beyond economical repair, but can be put back on the road with a VIC test to make sure the car is roadworthy and that it is the car it claims to be.
Cat D - Usually (but not always) stolen recovered, can also be light damage but when costs of hire cars are taken into account makes repair uneconomical. Can be put back on the road with nothing more than a V5, MOT and insurance.

Yours will either be Cat C or D, depends on the assessors report.

Nothing wrong with buying Cat C/D cars providing the price is right, also take into account resale value will be affected.

All the best

Pub
 

·
Registered
Joined
·
5,721 Posts
Happened to mine...exactly the same....a lot of hassle to get the car fixed,insured etc.....

Try to get as much money out of the insurance company...sell your car if you can.....or scrap it...you'll get £200 with metal prices these days...depends how much bother you want to go to.

That saying...it's still a wrench to watch your beloved Alfa leave on a trailer !!! :(
 

·
Registered
Joined
·
15 Posts
Discussion Starter #8
Thanks for your replies guys,,
Car has been written off as Cat C,,and tbh do not think its worth the effort of getting it back for repair against the value being offered by ins company. (not accepted their first offer though).

Didn't have the misfortune of watching it being trailered away as the repair garage collected it from my workplace and it was away before I got to work that morning.

Awaiting new improved offer from ins co, fingers crossed, but thanks for all your concerns.
Stew
 

·
Registered
Joined
·
9,912 Posts
Thanks for your replies guys,,
Car has been written off as Cat C,,and tbh do not think its worth the effort of getting it back for repair against the value being offered by ins company. (not accepted their first offer though).

Didn't have the misfortune of watching it being trailered away as the repair garage collected it from my workplace and it was away before I got to work that morning.

Awaiting new improved offer from ins co, fingers crossed, but thanks for all your concerns.
Stew
remember this .........it is to replace car that is in condition prior to incident ..... insurances say that going by autotrader and the likes they pay out accordingly to them figures .....what you do say to them is ........ a car in your condition not someone elses :vomit: ,,most cars on trader NEED work so prices should be adjusted accordingly ..........i wrote my 2001 v6 84k off last year and they offered me 1350 ........finally they paid out 2400 after me playing hell with them .....plus you are claiming off other parties insurance so dig ya heels in :thumbs:
 

·
Vendor
Joined
·
45,826 Posts
The car is your car, and your insurance company have no right to take it off you. You need to call up, tell them about the accident, and get them to send an engineer out. Tell them you want a "payment in lieu of repair". These are the exact words you must use. They may be a bit hesitant but you need to insist. If they judge it as uneconomic to repair (which it will be), then they will pay you roughly 80-90% of the cars market value.
 
P

·
Guest
Joined
·
0 Posts
i'm as surprised as Pud at the fact that they have taken possession of the car before figure are agreed!

this doesn't sound right at all,

plus, knowing insurance companies, before you know it they'll be discounting YOUR payout with THEIR storage charges!

you need to find out whats happening mate, pronto!!!!!!


on a lighter note, happy new year soon fellas!

all the best

shrew
 

·
Vendor
Joined
·
45,826 Posts
Saying that shrew its gone off to a repairing garage, not a salvage yard, so it will be stored there until a settlement is reached. If the OP wants the car back, they will have to deliver it back at their cost.

I would ask for a payment in lieu of repair, its not a 'write off' until you accept them writing it off and paying you out. Even if you don't want to fix it you are better off taking a payment in lieu of repair, getting them to deliver it back and then stick it on ebay for someone else to fix without the salvage yard taking a cut on it.
 
1 - 12 of 12 Posts
Top