Rear shunt this morning, write-off but driveable

Hoof_Hearted

Too late now, but I would have taken the offer to settle privately unless I had a proper injury.

AdrianC

TeamPlum wrote: »

Might be wrong, but I think he was joking.

I doubt it, but you can always guarantee somebody will come up that suggestion seriously, sooner or later.

TeamPlum

This is how some people make a living and why my premiums are always going up .

Here's a big clue.

AdrianC

TeamPlum wrote: »

Here's a big clue.

GP,WM. I missed that.

Norman_Castle

thevinternet wrote: »

I'm trying not to bleat , but it doesn't seem very fair to me! Ah well, you live and learn.

Yep. Thats car insurance. Some people think older drivers become accident prone. I think they know they're going to stop driving soon and are just getting their money's worth after decades of paying premiums.

If you want to keep the car don't let an insurer take it away. If you buy it back it should cost you about 10% of its value. If its roadworthy you may be able to keep driving it at least until the current mot is up. Remember to check you are still insured. If you replace it with an identical car you may be able to remove healthy parts such as tyres to use on the replacement car.

Rubidium

thevinternet wrote: »

The girl who went into me is on the phone wanting to sort it out privately, however, now that I have started a claim

Your mistake was making a claim from your insurance company when the other party has admitted liability.

You should inform your insurance company that you do no wish to proceed with a claim and that it is information only.

If she is willing to pay for a new bumper to be fitted to your beloved car then take that option let her pay for the repair at a place of your choice, otherwise claim directly from her insurance company but don't let them take your car away.

Even if her insurance company decide to write it off, then you should be allowed to buy it back for very little i.e. the salvage cost.

Insuring a CAT C/D is not a problem with most insurance companies.

If you do suffer whiplash, then there are plenty of companies that will get you a grand for almost no effort to ease your loss and pay something for your inconvenience.

Rain_Shadow

I made a claim about 4 years ago. It was decided that it was the TP's fault and I got my excess back. Didn't seem to make any significant difference to subsequent years' premiums.

loskie

My 2002 Subaru forester possibly had a value of £1200 for it. From the 3rd party insurer I got £1625 plus £250 in lieu of a hire car for 25 days. I bought it back from the insurer for £155 which was deducted from the cheque sent promptly to me. 2nd hand wing off ebay £50, headlight £15 Indicator £15 and £250 to the local bodyshop to fix and respray the bumper and put it all together. Car has covered a few 1000m since then and is fine. As said before no increase in premiums just a bit of hassle. I felt more comfortable claiming directly off his insurance than trusting him to pay for repairs privately plus in the end I am financially far better off.
you can easily withdraw the claim but you must record and notify them(your insurer) of the incident.
Prior to my accident it was only info on a forum such as this that let me know about such a course of action which worked well for me.
Good luck OP.

dannyrst

Does anybody else who has never made an insurance claim have the remotest idea what to expect or how to handle the situation?

I might have to figure it out eventually.

sheramber

Our car was written off ( own fault claim) and insurance paid out full market value less excess. Also told us to take anything off the car that we wanted as it was just going for scrap. Husband took off tow bar and spare wheel as we wanted same car replacement and it may not have spare wheel..

Insurance told us if we got another car within 30 days they would cover it on the existing policy.

When our policy came up for renewal 7 months later I was dreading what the new premium would be.

Our renewal premium was less than we had paid the previous year despite the claim.