crash

Chopper_Read

victor2 wrote: »

She's digging herself into a hole. Let the insurance company handle it - that's what you pay them for.
Probably is better to put the original wing back on though.
His premiums will increase unfortunately, but you should get the car put back to as it was before the accident. Make sure you tell the insurers, and the people picking the car up, that it now pulls to one side.

Thats if they don't write it off.

tukka123

If she hit the wing while reversing it's her fault 100%.

Go through insurance because if something happens in the future and it’snoticed this has happened you will not be covered.

Your partner will not lose his No claims as it's not him a fault.

Plus there is a clear log of you discussing the accident online here so ifever it came to light you may be in trouble for not going to your insurance.

What you have said sounds like she is a fault and realises it......

Just call your insurance and tell them what you said. That he was drivingdown the lane and saw the car reversing out. Applied breaks but the car keptcoming and bumped into your partner’s car..... It hit the wing so it's prettyclear it's her fault. Her insurance will cover all costs and not your partners.

A

amstuck

Sorry I am a bit simple, and needing spoonfed.

Does that mean that we won't have to pay the 150 excess? If we are found to be not at fault.

Chopper_Read

amstuck wrote: »

Sorry I am a bit simple, and needing spoonfed.

Does that mean that we won't have to pay the 150 excess? If we are found to be not at fault.

You pay the garage and your insurance will claim it back from the third party.

amstuck

Ah I see.

Lovely thank you :-)

amstuck

I just though I would update for anybody that would like to know.

Car was taken on Monday morning and by about 3 pm the garage place rang and told us it was a write off asked us how much value my oh had said the car was worth, he said £2000 and the garage man said he valued it at £1950

So I guess we wait now :cool:

victor2

You have to see what the insurers offer you - generally less than it will cost you to replace it, and your excess will be deducted from that as well.
The only time we've claimed for a write-off, the insurers offered a little bit more than we'd been told by a friend in the trade what it was worth, so we accepted it, but I believe you can "negotiate" with the insurance company a small amount.
You could ask the garage what it would cost to get the car driveable again, rather than do the insurance repairs. It might then be worth buying it back from the insurers at scrap value and paying for the repairs. Car will have next to no value as an insurance write off though, so you'll have to plan to run it until it dies.

amstuck

That's good to know, any idea how long this could take? Do we think it will be weeks or months?

victor2

Could take some time, although write-offs can be processed quite quickly once the decision is made. Do you have a hire car included in your policy? Really don't know how that would work with a write-off case though. If the other party is apportioned the blame 100%, then in theory you ought to be able to get reasonable car hire cost claimed through their insurance via yours.
You'll have to talk to your insurers and see what they say. Might have to pester them to keep things moving. This is where you find out just how good your insurance company really is...

dacouch

victor2 wrote: »

You have to see what the insurers offer you - generally less than it will cost you to replace it, and your excess will be deducted from that as well.
The only time we've claimed for a write-off, the insurers offered a little bit more than we'd been told by a friend in the trade what it was worth, so we accepted it,

Now that's what I call speaking from experience