My parked car was hit overnight, probably write-off

kazzamunga

diystarter7 said:

GAP is only really relevant to new, nwer cars especially new ones IE you pick up your car and as you drive out of the showroom or the first year or two, the car is written off. New cars car around a 20% tax I think hence the GAP insurance though rightly or wrongly we've nver taken out GAP insurance on brand new cars. Thinking back, not sure why.

I'm not sure what GAP insurance is, actually! Is it something I should look into?

kazzamunga

Hedgepigs said:

If the insurers fix it it's not Cat S. If you accept a payout plus car back to fix yourself it would be - so you'd have to take the then lower value of the car into consideration when doing your sums to if it would be a viable option.

OK that's good to know – as @Brie and @MalMonroe said, though, I think it's best if i don't! I'm not au fait with cars really, and I don't really trust any mechanics around here not to screw me – I never seem to get a decent price for MOTs or services, etc. So I'm not going to take it into my own hands...

Hope I am pleasantly surprised – would make a change, lol.

maxmycardagain said:

the 3rd party was on site, admitted fault and is insured?



 "My car was hit hard on the rear right wheel, which has pushed in that corner of the car, meaning that the axel is shot, the boot doesn't close, the tyre is at a jaunty angle, etc. It was then shunted forward and concertinad against my neighbour's car."

When I had a concertina the car that hit me was pushed into mine but i claimed off HIS insurance, who is your neighbour claiming off in the 1st instamce?

Yeah – that's what I'm bloody worried about. The neighbour asked for my details. Yes the guy was there and admitted responsibility and is insured. Would a claim seriously have to be made through my insurance when I was asleep in bed at the time?!

[Deleted User]

You can always email some dealers, maybe call them and negotiate on the price. Then you can go to your insurance company with actual realistic figures of what a reputable dealer that provides a warranty is asking for after haggling.

[Deleted User]

kazzamunga said:

Hedgepigs said:

If the insurers fix it it's not Cat S. If you accept a payout plus car back to fix yourself it would be - so you'd have to take the then lower value of the car into consideration when doing your sums to if it would be a viable option.

OK that's good to know – as @Brie and @MalMonroe said, though, I think it's best if i don't! I'm not au fait with cars really, and I don't really trust any mechanics around here not to screw me – I never seem to get a decent price for MOTs or services, etc. So I'm not going to take it into my own hands...

Hope I am pleasantly surprised – would make a change, lol.

maxmycardagain said:

the 3rd party was on site, admitted fault and is insured?



 "My car was hit hard on the rear right wheel, which has pushed in that corner of the car, meaning that the axel is shot, the boot doesn't close, the tyre is at a jaunty angle, etc. It was then shunted forward and concertinad against my neighbour's car."

When I had a concertina the car that hit me was pushed into mine but i claimed off HIS insurance, who is your neighbour claiming off in the 1st instamce?

Yeah – that's what I'm bloody worried about. The neighbour asked for my details. Yes the guy was there and admitted responsibility and is insured. Would a claim seriously have to be made through my insurance when I was asleep in bed at the time?!

The claim wouldn't be from your insurance if your car was pushed by the van, unless there was something very wrong like the parking brake wasn't on. It can be an issue with moving vehicles where one person shunts another, and then someone else hits them from behind and they try to blame it all on the last person in line, but with parked cars that obviously doesn't work.

400ixl

kazzamunga said:

diystarter7 said:

GAP is only really relevant to new, nwer cars especially new ones IE you pick up your car and as you drive out of the showroom or the first year or two, the car is written off. New cars car around a 20% tax I think hence the GAP insurance though rightly or wrongly we've nver taken out GAP insurance on brand new cars. Thinking back, not sure why.

I'm not sure what GAP insurance is, actually! Is it something I should look into?

One of this posters many random spam posts. If you do not know what gap insurance is and did not take it out when purchasing your car then it is in no way relevant to you.