Car insurance write off… can’t afford another car

ThorOdinson

DullGreyGuy said:

wench02 said:

I don’t want to be buying a 15 year old car that is riddled with problems… and let’s face it most of them will be….

so still either way I’m going to be lumbered with thousands of pounds in debt due to some idiot using his mobile phone whilst driving 

a new to you 15 year old car is as likely/unlikely to have future problems as yours was. 

You always have the option of buying back the car and just living with the cosmetic damage and pocketing the money.

That isn't true. People are more likely to be selling a car with problems.

With the account he is likely to get for such an old car, it won't even cover a proper vehicle check.

wench02

Sea_Shell said:

wench02 said:

I don’t want to be buying a 15 year old car that is riddled with problems… and let’s face it most of them will be….

so still either way I’m going to be lumbered with thousands of pounds in debt due to some idiot using his mobile phone whilst driving 

You might not want to, but that's what insurance does.  Puts you back where you were, with the £££ to buy another 15 yr old car.

What was your car replacement plan, if the accident hadn't of happened?  You'd have had to one day.

For all you know, something major could have gone on it next week.  You wouldn't even then have the insurance money!!

When you look back on it, the accident might just have done you a favour.


I was gutted when a cherished older car of mine was written off, but I eventually came to realise that it could have been worse...I might have had to scrap it myself, or throw ££££ at it.

Personally I don’t think being thousands of pounds in debt, being injured, and barely able to drive to work from mental trauma is a blessing.

sheramber

Do you have legal cover on your insurance. 

You might be abject to  claim for  your injuries. 

Sea_Shell

wench02 said:

Sea_Shell said:

wench02 said:

I don’t want to be buying a 15 year old car that is riddled with problems… and let’s face it most of them will be….

so still either way I’m going to be lumbered with thousands of pounds in debt due to some idiot using his mobile phone whilst driving 

You might not want to, but that's what insurance does.  Puts you back where you were, with the £££ to buy another 15 yr old car.

What was your car replacement plan, if the accident hadn't of happened?  You'd have had to one day.

For all you know, something major could have gone on it next week.  You wouldn't even then have the insurance money!!

When you look back on it, the accident might just have done you a favour.


I was gutted when a cherished older car of mine was written off, but I eventually came to realise that it could have been worse...I might have had to scrap it myself, or throw ££££ at it.

Personally I don’t think being thousands of pounds in debt, being injured, and barely able to drive to work from mental trauma is a blessing.

sheramber said:

Do you have legal cover on your insurance. 

You might be abject to  claim for  your injuries. 

This...
If you have suffered injuries*, then that is something to pursue the Third Party for.    At least you have an identified TP to claim from.   

Unfortunately, It doesn't change the finances with regards replacing the car, but any injury compensation you receive could be put towards a new car, but it will likely take time.   

I still actively try to avoid the bit of road where I had my accident, 8 years on.   So I do understand.   It's very raw at the moment for you.    


*Have you been seen by a medical professional and assessed.   GP or A&E?    

DullGreyGuy

ThorOdinson said:

DullGreyGuy said:

wench02 said:

I don’t want to be buying a 15 year old car that is riddled with problems… and let’s face it most of them will be….

so still either way I’m going to be lumbered with thousands of pounds in debt due to some idiot using his mobile phone whilst driving 

a new to you 15 year old car is as likely/unlikely to have future problems as yours was. 

You always have the option of buying back the car and just living with the cosmetic damage and pocketing the money.

That isn't true. People are more likely to be selling a car with problems.

With the account he is likely to get for such an old car, it won't even cover a proper vehicle check.

But a car with problems will be sold for less 

Whilst some people keep cars until they run them into the ground, plenty of people buy replacement vehicles whilst their old one was perfectly serviceable. Only one of my cars was sold because it became a money pit and its condition was certainly reflected in the price received. The others have simply been because I wanted a newer/different car

wench02

DullGreyGuy said:

ThorOdinson said:

DullGreyGuy said:

wench02 said:

I don’t want to be buying a 15 year old car that is riddled with problems… and let’s face it most of them will be….

so still either way I’m going to be lumbered with thousands of pounds in debt due to some idiot using his mobile phone whilst driving 

a new to you 15 year old car is as likely/unlikely to have future problems as yours was. 

You always have the option of buying back the car and just living with the cosmetic damage and pocketing the money.

That isn't true. People are more likely to be selling a car with problems.

With the account he is likely to get for such an old car, it won't even cover a proper vehicle check.

But a car with problems will be sold for less 

Whilst some people keep cars until they run them into the ground, plenty of people buy replacement vehicles whilst their old one was perfectly serviceable. Only one of my cars was sold because it became a money pit and its condition was certainly reflected in the price received. The others have simply been because I wanted a newer/different car

There are plenty of dodgy people selling cars for the “going” rate when there’s things wrong with it. Why would I want someone’s old death trap when my car was perfectly fine.

I do have legal protection, and the information is all going through, however payout is not likely to be much, and will take months to sort.

ThorOdinson

DullGreyGuy said:

ThorOdinson said:

DullGreyGuy said:

wench02 said:

I don’t want to be buying a 15 year old car that is riddled with problems… and let’s face it most of them will be….

so still either way I’m going to be lumbered with thousands of pounds in debt due to some idiot using his mobile phone whilst driving 

a new to you 15 year old car is as likely/unlikely to have future problems as yours was. 

You always have the option of buying back the car and just living with the cosmetic damage and pocketing the money.

That isn't true. People are more likely to be selling a car with problems.

With the account he is likely to get for such an old car, it won't even cover a proper vehicle check.

But a car with problems will be sold for less 

Whilst some people keep cars until they run them into the ground, plenty of people buy replacement vehicles whilst their old one was perfectly serviceable. Only one of my cars was sold because it became a money pit and its condition was certainly reflected in the price received. The others have simply been because I wanted a newer/different car

Only if the buyer finds out about the faults before buying.

theoretica

Sure, you wish it hadn't happened - but it has.  Mentally, you can either accept that and move on, or obsess over something out of your control.

If you have been taking your car to a mechanic you trust, perhaps talk to them about a replacement car.

wench02

theoretica said:

Sure, you wish it hadn't happened - but it has.  Mentally, you can either accept that and move on, or obsess over something out of your control.

If you have been taking your car to a mechanic you trust, perhaps talk to them about a replacement car.

Or, no doubt like many people in this forum, worry how on Earth I’m going to afford it.

id also like to know how I can just “accept” panic attacks and move on from them… it doesn’t work like that 

cw8825

wench02 said:

theoretica said:

Sure, you wish it hadn't happened - but it has.  Mentally, you can either accept that and move on, or obsess over something out of your control.

If you have been taking your car to a mechanic you trust, perhaps talk to them about a replacement car.

Or, no doubt like many people in this forum, worry how on Earth I’m going to afford it.

id also like to know how I can just “accept” panic attacks and move on from them… it doesn’t work like that 

OP. Not to belittle but it seems like you are over reacting 
for the damage to the car. They I’ll pay you the value if the car
you were driving a 15 year old car so will be able to buy another 15 year old car
if you keep it and get the damage repaired your still driving a 15 year old car
if the damage is purely cosmetic you don’t have to claim for it
either scenario leaves you with a 15 year old car that you can drive

Nobody is forcing you into any debt