Car crashed into missus; missus' car a write off

AnnieO1234

When you get the offer through, make sure to go on autotrader etc and find like for like cars if the valuation is low. We had to do this a few years ago when we were low-balled on a cat d Lexus.

You don't mention how the crash happened, was it at a junction? Is there any claim going on in relation to personal injury? You may be able to include consequential losses in that respect. In any event, if the claim is valued high enough you should also be able to receive an up front sum now of around £1,000 which may also go someway to getting you a new vehicle.

You will easily find a replacement vehicle, it might take some time but there are plenty of reliable, older cars around.

Good luck.

Nodding_Donkey

Don't forget to include a sum for future increased insurance premiums in you un-insured losses claim.

AdrianC

boing333 wrote: »

They've just got back to her and told her it's Cat D.

So no need for a VIC, and the V5C won't be marked. Yes, the future value will take a hit if anybody HPIs it, but by the sound of it, that's not likely to be a major issue.

I wouldn't worry too much about insurance premium hikes - except for the fact that you've got a claim against you. The CatD won't make any difference, unless there's a future payout for a total loss.

I'd argue the pre-accident value up as high as possible, but balance that against them hiking the salvage value. Don't lose sight of the fact that the relevant figure is what you end up being paid. Then repair and continue to use.

(I would? I have, several times in the past...)

malky39

Nodding_Donkey wrote: »

Don't forget to include a sum for future increased insurance premiums in you un-insured losses claim.

Was waiting for someone to mention this. As the OP said the third partys grandad didnt want to claim as it would affect there insurance, being 19 this can be a big thing, but he fails to realise that the insruance of the person that is not responsible for the accident will also probably go up. As most insurers ask have you been in any accidents or claims. And because of this the OP's wife will now have to declare this accident for the next 3-5 years depending on company.

anotheruser

Yeah.... I wish I had kept mine off the insurance.