Young driver doesn't want to go through insurance for an accident?

Quentin

You were lucky they repaired the car

It is no 'right" to have uneconomical repairs done, and whoever told you that has misled you.

Do get proper legal representation to deal with your injury compensation claim

prowla

Well, I've been in this situation, where my son bumped into the back of someone at low speed.


The driver of the other car was good enough to let me go and have a look and there was no damage to their car; the brackets holding the bumper in place were really quite flimsy and there was no sign of even the slightest bend in them. I gave the person a couple of hundred quid as an apology and thanks for his kindness.


OTOH, if there is significant damage, then it very much depends upon the cost of the repair. It's also worth bearing in mind that garages doing insurance repair work will charge top whack and my experience of them is that their work is always deficient.


Doing the work privately can, and probably will, result in as good a repair as going via insurance, so it's really down to managing the money.


If the person is honest, then it might well be easier, as going via insurance can be a faff too.



My approach would be if it's more than a a few hundred quid, it'd be as well to go via insurers.


Also, if you have any doubts about the sincerity of the other person, then hand it over to insurance.

Nasqueron

demi60 wrote: »

The young lady's insurers phoned and stated that I will have a courtesy car (I'm fully comp with legal services) however, my car is also old and I have had it from new 15years ago. It has been kept serviced and in really good condition until the accident. But the young lady's insurers wanted to take the car away and write it off as the car was old and not worth repairing or so I was told by her insurers.

Which is correct, an old car is not economic to repair vs buying a like for like replacement. You can buy the car off them (it will be declared as a write off but that doesn't necessarily mean it's unsafe to drive)

demi60 wrote: »

However, the lady's insurers wanted to write off my car to which I said that I want my car repaired and I will be taking it to a garage of my choice where it will be assessed and they will pay for the repairs. The man I spoke to was adamant that they will not pay for the repairs if it exceeds the car's worth. However, I pointed out that it is my right to have the car repaired.

A well known myth, you have no right to demand they spend more money than the car is worth to repair it. They absolutely will not repair that car and you will be out of pocket as a result, particularly if you have it repaired without their approval. Please do some reading before quoting incorrect facts, the person you spoke to was correct.

demi60 wrote: »

I also had significant whiplash, and experienced numbness to the side of my face - have to explain I had previous neurosurgery years ago. I also have a report from my GP stating that I have significant whiplash and I still get headaches during the course of my work which has happened since the accident.

Use your compo and the insurance money to get a new car or have the write off money, minus scrap costs, and get your old car repaired

Kellybail

Could you go through an accident management company? I did and they sorted everything for me they were called Road to Recovery UK.