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Discussion Starter #1
Some idiot just drove into the back of my alfa whilst waiting at a junction totally caved in the back end.

Must be a write off.

Man I'm gutted

how much should I expect to get back from the insurance
 

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:eek: Bad News, sorry to hear about your 75
 

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Sorry to hear that. :cry:

Is the car on an agreed value policy or market value? If it's market value, you'll probably get ****pence for it!
 

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Sorry to hear about your car, a few weeks ago I would have been happy for someone to do the same to mine but not now its fixed!

I would start collecting ads for cars in a similar condition to yours as evidence of its real value, otherwise you will be given the value of an old dog on its way to the scrappie. After all its the resale value not the 'glasses guide' that matters and after a certain age its totally down to what similar cars are sold for. It may also be worth having the car stored at a 'friendly' garage building up storage charges for them (at least in the mind of the insurer) which may speed up the claim. After all if its not road legal it should not be on the highway and you need the space in your drive/garage for your hirecar/replacement vehicle.
If you are prepaired to hassle them and provide evidence of how much it will cost to replace, then hopefully they will settle rather than build up costs fighting the case.

At the end of the day it depends on how much you need the money for a replacement car and they are bound to delay payment on the assumption that you need the cash to get back on the road.

In the past another drivers insurance company refused to provide me with a hire car during repairs to my car (his fault). I needed it for my own business and had contractural obligations, so I just threatened to hire one and claim it back through the courts. They came straight back with a hire car from their hirer, who no doubt had a special rate for them, rather than pay the full rate I would have had to pay plus legal costs. They all try it on and see how you react, so don't act like a doormat!
 

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Sorry to hear about your car, a few weeks ago I would have been happy for someone to do the same to mine but not now its fixed!

I would start collecting ads for cars in a similar condition to yours as evidence of its real value, otherwise you will be given the value of an old dog on its way to the scrappie. After all its the resale value not the 'glasses guide' that matters and after a certain age its totally down to what similar cars are sold for. It may also be worth having the car stored at a 'friendly' garage building up storage charges for them (at least in the mind of the insurer) which may speed up the claim. After all if its not road legal it should not be on the highway and you need the space in your drive/garage for your hirecar/replacement vehicle.
If you are prepaired to hassle them and provide evidence of how much it will cost to replace, then hopefully they will settle rather than build up costs fighting the case.

At the end of the day it depends on how much you need the money for a replacement car and they are bound to delay payment on the assumption that you need the cash to get back on the road.

In the past another drivers insurance company refused to provide me with a hire car during repairs to my car (his fault). I needed it for my own business and had contractural obligations, so I just threatened to hire one and claim it back through the courts. They came straight back with a hire car from their hirer, who no doubt had a special rate for them, rather than pay the full rate I would have had to pay plus legal costs. They all try it on and see how you react, so don't act like a doormat!
Yes fully agree with the above - insurance companies like to keep hold of their money and will try anything to do it, one advantage of being at home or friendly garage is that you have a better chance of accepting any offer and also keeping the car for spares yourself - depends on what 'cat' it is written off to which by the sounds of it will be a c or d I think an a or b has to go to a scrapyard.
Everybody claims for necks these days but proper whiplash takes at least a day to fully come on - so if you get a sore neck tomorrow this might be worth seeing a doctor about.
Best of luck - always think that in a fight with things like insurance simply think how much work you would put in for the money - and fight on that basis.
Regards
James
 

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Very sorry the hear about your 75. If the rear is totally caved in, then start thinking above £2000 for repairs- if the parts are all still available (not likely).

Doveralfa's advice is spot on and I have nothing more to add other than this happened to me some years ago. In the end, I bought back the car and used if for winter transportation and a track car for a few years more. The rear panels were straight apart for some creasing and dents in the o/s/r wing.:)
 

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Discussion Starter #9
Thanks guys for all your support I really am gutted, but I guess we were lucky my neck is giving me hell and my son has now started complaining of a pain in the back so its of to the doctores with him. But nothing to bad I guess, now looking at the car the offside rear courrter pannel is all but up against the rear wheel. It must have been quite a smack so all in all we were lucky. I will post some pictures up soon.
 

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Thanks guys for all your support I really am gutted, but I guess we were lucky my neck is giving me hell and my son has now started complaining of a pain in the back so its of to the doctores with him. But nothing to bad I guess, now looking at the car the offside rear courrter pannel is all but up against the rear wheel. It must have been quite a smack so all in all we were lucky. I will post some pictures up soon.
Hope this sorts out soon - do you know a good Oesto or Chiropracter - can be a massive help and can also do a report for insurance purposes.
Cars are just lumps of metal when compared to you and yours being OK.
James:)
 
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That's £3500-4000 in whiplash claims then - I kid you not. Agreed value fully comp insurance is also a must. I had it on mine (an '89 F plate car) agreed value £2000. It got smacked in the rear quarter, had a 56 plate BMW 320d for a month, £1650 and kept the car which cost £400 to repair.:lol:
 

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Was that a mainstream or specialist insurer?
 

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Sorry to hear that the cars a scrapper. If you're looking for another, give me a shout as mine will be up for sale in the spring.
 

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That's terrible news. They're rare enough as it is. My 75 TS Veloce has an agreed value of £2,800 so you may be lucky if you find adverts and stuff to back up it's value. Just never accept the first offer!
 
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