Ouch

[Silverfang]

(





Looks like it's a write off.

Currently got the car at my digs at uni, but need to get 2 assesments on costs for insurance, can anyone help?

Someone jammed on their brakes after hitting a badger, car behind stood on the brakes, but i couldn't stop in time, cue me hitting the Skoda and turns out it was an off duty copper too

He was more pissed off with the dope in front than me.

[Dezzy]

It's defos a write off. I would be pushing for a payout and just look for another car mate. Maybe get yours back if it has any nice morsels you could use.

[town325i]

same as above just play for a good pay out it dont really look worth fixing im guessing its a 318i or something i might be wrong

[Silverfang]

320i and yeah, there's some good bits on it, hopefully get the car back after all this and pull the few bits off worth saving.

The leather and LSD are worth maybe £500 alone and there's a conversion kit on it for an E36 rack

[Nay]

Gutted, I hate crashes due to somebody elses stupidity. Happened in my old 535i.

Leathers, LSD (Does it have one ??), Alloys, electrics, body panels and so on could all make you a few pennies if its easy to keep.

[Silverfang]

Whats more i feel really bad for the other guy, poor dude was in A&E

[town325i]

320i and yeah, there's some good bits on it, hopefully get the car back after all this and pull the few bits off worth saving.

The leather and LSD are worth maybe £500 alone and there's a conversion kit on it for an E36 rack

sounds like its worth having back to break for bit all the insurance will do is take a cut of the payout for you to buy it back

[blitz877]

that is saveable but a fair bit of work tho mate

[town325i]

that is saveable but a fair bit of work tho mate

it probably is but the time and money that will need to be thrown at it you could of got another car for that money

[blitz877]

true

[m_jermyn]

Fix it. New guard, grill, headlights, bar, apron, bonnet and a pull at the front and it would be spick and span again.. I have fixed much much worse in the backyard...

I hate seeing real nice savable cars being parted out. Surley its worth saving... Did it have any rust? If its rusty junk it.

Mike

[bpowell555]

I've questioned my brakes a couple of times lately. But an upgrade is expensive

[daimlerman]

Fix it. New guard, grill, headlights, bar, apron, bonnet and a pull at the front and it would be spick and span again.. I have fixed much much worse in the backyard...

I hate seeing real nice savable cars being parted out. Surley its worth saving... Did it have any rust? If its rusty junk it.

Mike

If the OP had your skills,expertise and somewhere to do the job!
On a 20 year old car,it is probably worth more to him in bits,unfortunately.Did the badger give it's insurance details or was it hit and run?

[Silverfang]

Fix it. New guard, grill, headlights, bar, apron, bonnet and a pull at the front and it would be spick and span again.. I have fixed much much worse in the backyard...

I hate seeing real nice savable cars being parted out. Surley its worth saving... Did it have any rust? If its rusty junk it.

Mike

If the OP had your skills,expertise and somewhere to do the job!
On a 20 year old car,it is probably worth more to him in bits,unfortunately.Did the badger give it's insurance details or was it hit and run?

Heheh, the badger's dead, you can see it on the left side of the car in the first picture.

Technically the person who caused the accident (by jamming on their brakes!) left the scene having not been involved in the actual accident, leaving me and the other party to sort ourselves out. Don't know if any details have been passed along but still

[daimlerman]

Snag is,as I am sure you are aware,you will carry the can for the dead badger.
Still,you will learn,and perhaps keep a little further back in the future.
I am just wondering if there is anything on your car of use to me! Are those wheels 15'' TSW Monza's?

[Speedtouch]

It's a tragedy alright - you could have made yourself a nice badger pie

[djk]

Can't see that shell being worth repairing - wouldn't be surprised if the nearside chassis leg is bent too looking at it. Loads of aggro to put right for no good reason. Definitely get the salvage back for the morsels though - I would think the insurance company would put a nominal value on it as the saving on disposal costs to them would offset it. So you should get a payout and some handy bits, going some way to making up for lost NCD/higher premiums with a fault accident on your record.

[march109]

Sadly the accident will be classed as your fault, by law and by common sence. If you could not stop in time (by your own admission) then you were travelling beyond your stopping distance and therefore too close regardless of who stopped for what, legally the person in front could have just stopped because they wanted to for no good reason and it would still be your fault.

Don't let the insurance company tow it away, and recover it to your home or lock up and start negotiations.

[djk]

Don't let the insurance company tow it away, and recover it to your home or lock up and start negotiations.

+1 Absolutely - once they've started spending money on disposing of it, the cost of getting it back to you will mean they'd rather not bother - easier for them to just crush it.

[Cypriotgeeza]

Im gutted for you mate! thats a shame the car didnt look bad at all!

on the upside tho if you do get it back and do decide to break it im sure youll get alot of interest on here!

[Silverfang]

If i can get it back, i'm sure someone would be happy to take it off my hands complete as a spares.

There's a good few goodies on it, and i've got a massive stack of bills for it right back to when it was new!



All that plus several recepts from since i've had it. Looked at it and there's over £1000 worth or so.


Poor thing... Probably be the last time for a while before i get another E30 again, looking for a touring... or moving on to an E36..

[Dezzy]

Get youself another E30 mate. An e36 is a step back not on. You will only regret it if you don't.

[Cypriotgeeza]

how much would you want for it?

[gareth]

bummer dude

that looks saveable. If you're on a student income, you don't really want to lose your no-claims and get a claim history if you can avoid it. that partly depends on the situation with the other car / driver (whiplash) etc though.

regardless, £100 worth of panels in the right colour and some hammering will get it roadworthy again. not mint but good enough or an old car.

the deciding factors will be if the chassis leg is wonky and if there's any rust that's collapsed anywhere during the impact.

this is why i NEVER go far out of my way to avoid animals. seen too many accidents due to someone doing just that.

had a large splatter of 'bunny juice' up the front/side side of my car the other day but compared to hitting someone / something else (and probably still the bunny too) it's a price worth paying. I personally value the live of my kids, me and anyone else on the road over that of a fluffy animal. Darwinian evolution will keep them clear of the roads one day

[fuzzy]

unfortunate for sure but surely its your fault for driving to close rather than the stupidity of the guy in front?

[E30BeemerLad]

Yep, you're going to have to suck this one up as the geezer in front of you will be claiming for the full monty from you, so your insurance is buggered anyway.

Your car is not roadworthy (broken lights & indicators), so tell your insurers they will need to send an engineer to your home address or wherever the car is stored so they can inspect and then delcare it is a write off. Don't listen to any nonsense about how you have to take it to their approved garage and leave it there for an assessment to be made before an engineer then inspects. The car is obviously a write off to anyone with a brain in the insurance industry. Alternatively, tell them you have plenty of pics of the damage from which one of their in-house engineers can sit at his desk and view and obviously classify it as a write off.

Start doing some homework about the values of similar cars by looking on autotrader, ebay, carandclassic, gumtree etc etc as they are obviously going to offer you £500 or less and that's before you get bummed for your excess (assuming you do have fully comp).

With you wanting to keep the car (part of the reason for leaving it at home and not taking it to your insurer's appointed garage) the usual deal with salvage values is on cars worth less than £3k, salvage value is 10% of pre-accident value, so if car valued at £800, you'd receive £720 and keep the car - less your excess of course.

[fuzzy]

i was offered £400 for a 320 when i wrote one off. £500 was the second offer on a g plate in good condition with average miles.

[djk]

With you wanting to keep the car (part of the reason for leaving it at home and not taking it to your insurer's appointed garage) the usual deal with salvage values is on cars worth less than £3k, salvage value is 10% of pre-accident value, so if car valued at £800, you'd receive £720 and keep the car - less your excess of course.

The leather and LSD are worth maybe £500 alone and there's a conversion kit on it for an E36 rack

That's what I was getting at - even if you only take the leather and LSD out - afternoon's swearing has that done - and cube the rest, you're much better off than letting the insurance company have it. Selling those should be no difficulty at all - they never hang around for long when they come up.

You could even throw a bit of bodywork at the car, replace anything sought after with run of the mill bits, VIC it and get maybe £3-400 for it with a year's ticket. Probably not worth the aggro, but if you've the luxury of time and a lack of funds it's probably worth thinking about as Gareth says.

[djk]

i was offered £400 for a 320 when i wrote one off. £500 was the second offer on a g plate in good condition with average miles.

That's probably about all you can expect really. Don't know if old colonel has got any 320is at the moment - but if he has, print the ads and send them to your insurance company!

[E30BeemerLad]

do your insurers know about the leather? is it something you fitted? If so, you are going to have to tread a fine line when arguing about the value by relying on what morsels are fitted as this will give your insurers the perfect excuse to start arguing about non-disclosure of mods, such as the alloys etc etc

Just think ahead on these points before shouting the odds as you'll get a proper dry bumming otherwise

[fuzzy]

could it could be claimed they were an option and fitted as new?

[djk]

could it could be claimed they were an option and fitted as new?

Strictly speaking, it's insured in the specification it left the factory - it would take the insurer 2 minutes to check with BMW what the OE spec was and start kicking off about 'modifications'. It's a grey area, but It's not wort giving them th ammunition over improving a payout by about 20% when it's only a few hundred quid in total. Just asking for a pain in the arse.

EDIT My general feeling is, try and make them pay you money to save them doing any work - they get the cost either way, if you keep things quick and clean (retaining salvage ought to help in this respect) it's more likely that the initial offer will be fair. If you start giving thm a pain in the arse, it starts getting expensive on their side, and they'll start trimming the payout to recoup costs. I'd even keep the length of my phonecalls to claims handlers down so as not to draw their ire.

[DanThe]

You wont get charged salvage costs on a car worth less than £1000, thats what I was told by the assessor that kindly wrote my E34 off
Get the car back to your place as soon as possible, if its not already

[fuzzy]

i dont expect theyed argue about modifications even if they were retro fitted by a previous owner as they are still original option parts.
i know theres the stories regarding insurers using every trick to avoid payment but generally ive found them no real problem , paying out to me even though i had undeclared mods and letting me keep the salvageable parts, paying out full value for a car with no mot etc etc.
depends on the insurer though i suppose.

[Hellbound]

Can't you just remove the interior now and stick in a crap one? Or am I being naughty?