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Discussion Starter #1 (Edited)
Hello everyone. I was previously on the forum as craigoss_gtv, hence the number 2 being added, as I had to re-register (dont know password and have changed emails I think).:confused:

Any way, yesterday I had stopped (perfectly legally on a wide two way village road near Lincoln when about 5-10 seconds later there was a big bang in the back of my 1996 Alfa GTV TS.

A Toyota Rav 4 had driven straight into the back. Looking back at the incident, I was in a state of shock and just kept thinking that if it went through insurance the car would be written off.

She had offered her insurance details(did not take them, though my insurance identified her insurance company from the reg I gave (Aviva), but it did not look that bad (no cracked bumpers or creased metal that I could see), so I said "just give me 20 quid to touch up the paint" (The bumper already had a scuff on the side from some unknown driver in a car park a month ago).

Now the shock has subsided I have nocticed that the bumper does stick out slightly more on the 'rear side, than the 'offside'.

Is this likely to be down to the bumper bending slightly, or are 916 GTV's prone to serious damage underneath after such a collision?

It can quite a jolt at the time. Her Rav 4 seemed just to have scratched paint (half of it on my red gtv :lol:

I did let my insuarnce company know, but said there was only minor damage, and that I would not be claiming, but as I said I was in shock I think yesterday.

Is it worth dealing with insurance companies (even if it is not my fault) for a 15 year old car, or would they just write it off? (has just been taxed and passed MOT with no faults, so worth more to me than being scrapped).

I do have a red bumper I bought a few years ago to replace the slightly pink shaded one on there at present, but dont have the facilities to change it.

Sorry if this is a bit of a waffle. Not sure what to do, as touch wood I am not familiar with insuarnce companies.

Any one around Lincoln who could have a look at the car would be welcome.
 

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I'd say its worth a claim, they wont necessarily write it off, i recieved a small dent in the rear quater panel a while ago and it went through the insurance. The cost of repairs was £800 but they valued the car at £850. They gave me the option of a write off where id get £850 and lose the car or take the £800 cost of repair and have it done myself and keep the car. Needless to say i took the cash, put it towards my spider and the dent is on my to do list.
 

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Discussion Starter #4
Thanks everyone for the advice so far. I was also a bit concerned about claiming, as I have never got round to changing the address on the reg docs, though my post is forwarded, plus only moved down the road. Not sure if these would need to be shown, or what the procedure for claiming is. Do I need to report to police?

Also my insurance occupation is supply teacher, but have not had any work for a few months, and been looking after new baby instead. Is this sort of detail likely to matter to my insuarnce company, as it was clearly not my fault and would be claiming from the other party.

Wish I had taken her details properly, as honest to god I have had a terrific pain in the back of my head where my spine meets my skull. I am usually against all that compensation stuff though. Hope the pain soon goes, as I could not stick this pain on a long term basis.
 

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If you were trying to claim on YOUR insurance, they might quible about change of address and occupation as you are obliged to advise them of any "material fact" i.e anything that would legitimatly cause them to increase the premium however they would have to demonstrate that your new address/occupation represents a higher risk, which is unlikely. You should certainly tell the DVLA your new address.

However, your claim is against her insurance so you are legitematly entitled to claim for all losses you suffer as a result of her hitting you. As to the car, it may be as simple as the bumper being moved in a tad and is easy to adjust back. Agree with 916; get underneath and take a good look at the boot floor to see if there are any kinks or ripples.

The bigger issue is YOU. Wiplash has a bad reputation as every lying little sh*$ and their crooked lawyer tries is it on, which also one of the reasons why premiums have gone through the roof. But it can be big deal, a close friend of mine has been off any manual work for six months and just had painkillers injected into his spine......
Go and see your GP and get refered to a proper specialist, if required. Do not go to "ambulance chasers are us.com" they don't care about you, just how many claims they can process per day. See the quack first, then get a proper lawyer.
 

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I had a very similar accident to you in my GTV - other driver failed to stop at roundabout while I was waiting to give way (I had been stopped a while). Considering the almightttyy thump and noise I was absolutely amazed that the bumper wasn't smashed to smitherines... In fact, there was only a small scratch and a broken number plate + surround.

I also had a head/neck ache that night, and it went away after 2 pints, but it is scary to think your body has taken a thump, and it feels unfair that it's not of your fault! But such is life...

The other bloke was desperate for me to settle it with some cash (he had another crash claim pending against him, apparently), so we exchanged details and I suggested £50 was fair for my number plate, scratched bumper, spray paint and medicines... :) He begrudgingly paid it by bank transfer.

No need to report to police unless an offence was commited or damage done to some other property?
 

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the bumper is attached to car by two stumps or buffers which bolt onto the end of the chassis rail.. I'm not sure if these buffers are collapsible, to absorb impact rather than the bumper plastic itself. Its unlikley the chassis rail will have distorted, but possible. There is a massive gap between the bumper and the boot shell, si I suspect the buffers are designed to take impact. They look relatively easy to replace, but others will have more experience.
I have been scammed by a supposed whiplash injury, following the teeniest tiniest rear tap (No damage to either car). First I knew about was court papers arriving in the post 10 months after the event!. I insisted insurance company defended (especially as claims solicitor hadn't followed correct claims/court protocol). No idea what happened as my insurance came up for renewal 2 weeks later and I changed.
 

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Whiplash is a real ****er! I was stationary at a roundabout last year in the Mrs Micra and some **** went up the rear without looking, He bumped the car into oncoming traffic and I suffered longterm whiplash out of it! The micra was a total write-off, Althought he bumper took the impact, the body distorted and folded in at the boot pan so the boot wouldn't open, I had the same thoughts about whether to make the claim or not but after a chat with my insurer, it was the best thing to do, I can only drive for 1.5 hours before my back plays up, It meant taking 2 weeks off work too! The settlement should come through on my birthday for about £3k which will be spent on a more comfortable car as the GTV isn't soo comfortable anymore :(
 

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Discussion Starter #9
I am taking it into the Alfa place in Lincoln to put it on their ramp later today. They don't do body work, but offered to take a look.

From what I can see underneath it seems ok, but hopefully will be reassured this afternoon.

Managed to buy a red bumper off flea bay yesterday for £18 inc delivery, and its red, though says it needs painting, as has scratches.

Also bought another red bumper as a spare a few years ago, as mine looks a bit barbie pink in some lights. This could be a good excuse to finally fit a new bumper (hopefully one of the two spares I now own will not be bent when I fit it, LOL).

Just got a doctors appointment for 9:10 this morning for some pain killers, but will probably be ok in a few days. I like the couple of beers cure suggested. If not I may pursue the claim, but I am more interested in possible damage to the car than me at present :)


Will let you know how the inspection goes this afternoon.
 

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Just take it easy etc, Car should always come second, same goes with motorbike helmets, a friend died a few years back because of a cheap helmet, I told him at the time what price would you put on your head, I regret saying it now etc but it's soo true, cheap helmets are only good for 30mph mopeds at best
 

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Hence why I have a proper motorsport helmet for trackdays :thumbs: will get a hans device too.

As for whiplash, my mate had almost an entire year off work because of it, but his shunt was severe that his car was FUBAR, every panel bent. But whiplash is whiplash, doesn't need to be a big shunt.
 
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