Non fault accident help

Arunmor

OP you have a price that is only a month old, you should be pushing for settlement of the full finance and hire car why they fanny around sorry make a decision.

400ixl

Ok, so insurance should pay out a market value. So provided you didn't over pay you would get offered something in the right ballpark.

The market value is not top end that you would pay at a specialist retail dealer, but that of a local independent secondhand car dealer.

If the damage is the rear bumper, quarter panel and rear panel it will likely also need a new boot floor as this is all part of the crumple zones. That is a lot of expensive body panel work and could easily make it an uneconomical repair.

cw8825

Op
that’s at least 25% of the car that is damaged
plus the labour to paint to match
It’s quite easy for the costs to mount up

surely the issue here is the finance amount rather  than what the insurer is going to pay?

What is the difference between what they have offered and your settlement?

DullGreyGuy

Car_54 said:

Brie said:

They are probably talking about it being uneconomical to repair rather than being a write off.  So the repairs, done by their chosen mechanics, will cost more than the car is worth.  So have a look on Parkers or Autotrader to see what it would cost to replace the vehicle and tell them you won't accept less than that and that you want to keep the vehicle.  You can then use the money you receive to get your mechanic to fix it for a portion of the price.  You could of course say you want the full amount that you signed up for for finance but likely that will be too much for them.  

Isn't "uneconomical to repair" the very definition of "a write off"?

Write off, beyond economical repair, total loss etc all tend to be used interchangeably. There are very few things that couldn't ultimately be repaired but economics stop it (or you get to the question of if you replace X% of the parts is it really still the same vehicle)

cw8825 said:

Is this a brand new car or a used car?
if it’s brand new your own insurer may be able to replace with another car

Rear end damage writing off a brand new car would be unusual, whilst its now confirmed as used the insurer replacement vehicle clauses could have been complicated by the fact its on finance and as such the finance company have to agree to the replacement which in most cases they dont.