Car crash - likelyhood of write off?????

Dontknowanymore

Hi
Yesterday I had a non fault crash.
I was driving along the road and another car tried to turn right into a road, right accross my path and I drove into his passenger side door. There were also 2 witnesses.
The cheeky git knocked on my door last night to ask me to forget about it! Not even an offer of paying for damage etc.

Anyway, the insurance man said due to the age and make of the motor it will more than likely be a write off. There isn't LOADS of damage, but the bumper would need replacing, there is a 2-3 inch crack on the headlight and a crack in the bottom of my windscreen.

My car is a 2001, Y plate Vectra, what is the likelyhood of it being a write off???
Also would the fact it has previously been written off (before I bought it) affect any of this?

This is sooooo not what I need 3 days before I move house! :mad:

HappyMJ

Why was it written off previously?

Quentin

You could deal with the cheeky git's insurer (if you want to repair your car), as they would let you keep your car as part of the deal if it is a write off.

The repairs you need might be done cheaply with scrap yard parts.

Dontknowanymore

HappyMJ wrote: »

Why was it written off previously?

I have no idea, I think it was a Cat D write off, then my mechanic bought it from the scrappy, repaired it and sold it to me.
I'm guessng a crash, the bonnet has deffo been replaced.
Does it make a difference???????

Dontknowanymore

Quentin wrote: »

You could deal with the cheeky git's insurer (if you want to repair your car), as they would let you keep your car as part of the deal if it is a write off.

The repairs you need might be done cheaply with scrap yard parts.

I have already put my claim through my insurance.

TBH I would rather the car be written off, poxy thing.
I would not bother repairing it, my fella said if they let me keep it he'll have it off me for a banger.

scheming_gypsy

as it's been a write off before its value will be less than book price to start with. Then there's the (brand new dealer) cost of a new bumper, new headlight, painting costs, labour charges, hire car charges (if you're getitng one) and admin charges etc. So even though there might not be a lot of damage and can be repaired for a tenner at the scrap yard, it'll cost four figures through the insurance.

HappyMJ

Dontknowanymore wrote: »

I have no idea, I think it was a Cat D write off, then my mechanic bought it from the scrappy, repaired it and sold it to me.
I'm guessng a crash, the bonnet has deffo been replaced.
Does it make a difference???????

Just a small difference to the value. Not much. How much do you think it was worth pre-accident? You would probably get it's trade value as a settlement. Just picking a random Vectra Y reg model to value and it's about £600.

scheming_gypsy

Dontknowanymore wrote: »

I have already put my claim through my insurance.

TBH I would rather the car be written off, poxy thing.
I would not bother repairing it, my fella said if they let me keep it he'll have it off me for a banger.

even though you don't want to repair it, it's worth cancelling just for the extra money you'll get.

As it's a cheap repair you can sling the car on eBay. It'll still be taxed, MOT'ed and no doubt road legal so you can sell it as a runner instead of spares and repair. Just list it with a starting price of scrap value and let it go from there....
or get your settlement and weigh it in.

Dontknowanymore

scheming_gypsy wrote: »

as it's been a write off before its value will be less than book price to start with. Then there's the (brand new dealer) cost of a new bumper, new headlight, painting costs, labour charges, hire car charges (if you're getitng one) and admin charges etc. So even though there might not be a lot of damage and can be repaired for a tenner at the scrap yard, it'll cost four figures through the insurance.

Yeah I though this. The same happened a few years ago with my Pug 106, but I got it back for free and used the write off payout to get it repaired through the local garage.
I'm actually praying they write it off cos it costs me a fortune to run!
I'm getting a hire car, I need it because not only am I moving an hour away at the weekend, my son's new school is over 2 miles away so the insurers sad I'm eligable.
Excuse my spelling, me heads a bit mushy!

HappyMJ wrote: »

Just a small difference to the value. Not much. How much do you think it was worth pre-accident? You would probably get it's trade value as a settlement. Just picking a random Vectra Y reg model to value and it's about £600.

I have no idea, I would of said £700 top wack because the interior isn't in that great condition and there are a few scratches here and there, but it only has about 73k on the clock which isn't too bad for the year I suppose? Not that I'm even sure that makes a difference!

I'd be happy with £400-£500 then I could get myself a cheap little run around.

Dontknowanymore

scheming_gypsy wrote: »

even though you don't want to repair it, it's worth cancelling just for the extra money you'll get.

As it's a cheap repair you can sling the car on eBay. It'll still be taxed, MOT'ed and no doubt road legal so you can sell it as a runner instead of spares and repair. Just list it with a starting price of scrap value and let it go from there....
or get your settlement and weigh it in.

Cancelling what? What extra money?
I don't follow, sorry..

Quentin

Dontknowanymore wrote: »

I have already put my claim through my insurance.

TBH I would rather the car be written off, poxy thing.
I would not bother repairing it, my fella said if they let me keep it he'll have it off me for a banger.

You would still be better off going to the third party insurer, who would let you keep the car after writing it off, and you won't have the hassle of having to reclaim your excess off the third party.