Insurance undervalued my car

gunner786

Grumpy_chap said:

For clarity, accident 1 was paid out £2.8k less salvage and you then repaired.
Accident 3 was paid out £2.3k less salvage and you then plan to repair.
Accident 2, you have been offered £177 as write off.

Accident 1 + 3 both repaired. Have to because its a taxi and i need to be on the road. 
Accident 2 is just wing dent and bumper scratch.

Grumpy_chap

I am still not clear:

gunner786 said:

Accident 1 + 3 both repaired. Have to because its a taxi and i need to be on the road. 

Both repaired by insurer, or you received the cash £2.8k then £2.3k (each less salvage) and then repaired yourself?

Maybe it is time to think about this car as needing replacement - I am not sure I'd want to be a passenger in a car that has been "written-off" three times in quick succession...

gunner786

Grumpy_chap said:

I am still not clear:

gunner786 said:

Accident 1 + 3 both repaired. Have to because its a taxi and i need to be on the road. 

Both repaired by insurer, or you received the cash £2.8k then £2.3k (each less salvage) and then repaired yourself?

Maybe it is time to think about this car as needing replacement - I am not sure I'd want to be a passenger in a car that has been "written-off" three times in quick succession...

But if it is repaired to standard and undergoes a local council MOT?

Grumpy_chap

Still not my choice of carriage if I knew.  
TBH, none of the taxi firms near us would let you drive for them with a £3k car.

ontheroad1970

Grumpy_chap said:

Still not my choice of carriage if I knew.  
TBH, none of the taxi firms near us would let you drive for them with a £3k car.

Might be uber...

gunner786

They said because you had both accidents so close.

You didnt repair your car for accident 1 before accident 2.

Therefore your car was basically written off at the time of the 2nd accident so it was salvage value hence we valued it at £177.20

Sandtree

gunner786 said:

They said because you had both accidents so close.

You didnt repair your car for accident 1 before accident 2.

Therefore your car was basically written off at the time of the 2nd accident so it was salvage value hence we valued it at £177.20

Right, so if the damage from 1 wasnt repaired at the time that accident 2 had happened then its pre-accident value has to reflect the damage that was present at the time of the incident. In most cases this means the vehicle will be broadly be scrap value because the repairs have already deemed to make the car beyond economic repair. 

As there can be some contingency in the BER calculations sometimes the pre-accident value for the 2nd incident can be slightly more than salvage but it aint going to be much more.

Presumably by accident 3 you had now repaired the damages? Hence the value of the vehicle has been reinstated

born_again

gunner786 said:

Grumpy_chap said:

I am still not clear:

gunner786 said:

Accident 1 + 3 both repaired. Have to because its a taxi and i need to be on the road. 

Both repaired by insurer, or you received the cash £2.8k then £2.3k (each less salvage) and then repaired yourself?

Maybe it is time to think about this car as needing replacement - I am not sure I'd want to be a passenger in a car that has been "written-off" three times in quick succession...

But if it is repaired to standard and undergoes a local council MOT?

>>They said because you had both accidents so close.

You didnt repair your car for accident 1 before accident 2.

Therefore your car was basically written off at the time of the 2nd accident so it was salvage value hence we valued it at £177.20<<

Which clearly it had not been repaired at the time of accident 2.

So were you taking fare's in a car that had not been repaired & written off by the insurance co?

gunner786

born_again said:

gunner786 said:

Grumpy_chap said:

I am still not clear:

gunner786 said:

Accident 1 + 3 both repaired. Have to because its a taxi and i need to be on the road. 

Both repaired by insurer, or you received the cash £2.8k then £2.3k (each less salvage) and then repaired yourself?

Maybe it is time to think about this car as needing replacement - I am not sure I'd want to be a passenger in a car that has been "written-off" three times in quick succession...

But if it is repaired to standard and undergoes a local council MOT?

>>They said because you had both accidents so close.

You didnt repair your car for accident 1 before accident 2.

Therefore your car was basically written off at the time of the 2nd accident so it was salvage value hence we valued it at £177.20<<

Which clearly it had not been repaired at the time of accident 2.

So were you taking fare's in a car that had not been repaired & written off by the insurance co?

Accident 1 was done and dusted. Repaired and passed mot by licensing.
The confusion is between 2 & 3

AdrianC

So, just for clarity...

Collision 1. £2,800 value before.
Repaired, but Cat S marker.

Collision 2. £2,300 value before.
Collision 3. Unrepaired from collision 2. Cat S write-off again.

Can you please say how much they are trying to give you - IN TOTAL - in payouts between 2 and 3?