How f****d off am i! First offer from insurance

[BigBavarian]

Ive had my car on the road now for a couple of months after fitting a M50 and i had it fully resprayed and was happily driving around in for a couple of weeks with it fully completed.

Then today came...

I was on my way to work indicated to turn right and came to a stop to wait for the traffic to pass when i saw a white renault laguna speeded at me in my rear view mirror, she obviously saw me late and skidded towards me, seeing this i edged forward and she stopped short, i breahted a sigh of relief then just as im about to drive off a mini cooper plows into the back of the renault and subsequently in to me. F**K i shout and park up get out to look at the damage.

Hit on the passenger side, rear lense cracked i think i got off lightly then i see the rear panel has been shoved back and bulged the boot floor a bit, my tech 2 rear bumper took a hit but only popped it off the side runners on the drivers side, there were a few scratches but no other visible damage.

Took it to see the insurance company approved repairer! The list he compiled was new rear bumper, new rear panel, new rear lense's and a new boot floor just for starter.

I'll be getting the quote thru the post soon altho i do have to go and see the insurance accessor next tues to see if they are going to right it off or not. Im thinking the answer will be a resounding YES.

As you can imagine i was not best pleased esp as its only been painted recently aswell.

[GC318]

bummer

[richard-the-nutter]

gutting had similar with some r.sole in a escort
and recently i have discovered some bad damage while my car has been parked outside, no idea who done it no notes nothing, car looks like a fucking bumper car and no one will want to buy it, awesome

[oakey]

That's proper poo

If it is a write off you're not going to give up on it are you??

[Banjo1981]

Have a chat with the engineer, if you convince him you can get it repaired cheaply he may not write it off. (Although this is unlikely)

However, given tyhe recent work that has gone into it he should give you a good valuation and then you can have it repaired.

Not ideal I know but not hopeless.

Edit: Also, don't forget to pop to the Dr's about your sore neck, shoulder and lower back......

Oh, and any breakables/"shopping" that were in the boot too.

[bss325i]

Sorry to hear this.

If you haven't got agreed value insurance then it will 99% be written off.

[BigBavarian]

No agreed value, if it is written off the ar is stayed with me 100%

[suchy]

It's a right f*cker from the fact it's someone elses fault. Some witless c*nt causing you unecessary stress and hassle. My mate had a non-fault claim and his premium went up because he'd made a claim (even though he didn't claim on his own insurance)
You just can't win- it's a bloody shame...

[BigBavarian]

Spoke with the insuarnce company and they said it will be fixed with no cost to me what so ever, what they didnt say is it'll cost you when you renew!

[magpie]

good luck with it all m8,
now get round the doc's 3k for whiplash,that'll ease the pain.

[Sanchez]

Spoke with the insuarnce company and they said it will be fixed with no cost to me what so ever, what they didnt say is it'll cost you when you renew!

We good thats it being fixed.

and yes the renewal will up slightly.

Arent you claiming of someone elses insurance so no cost to your insurance.

[goosiegander]

Dude i'm F***ing gutted for you, at least its getting fixed i suppose, best wishes regardless.

[adit]

why should it cost you more when you renew? it shouldn't do that even if an accident was YOUR fault , if you have portected ncb bb.
btw: you could always claim for a tech2 boot spoiler

[m4xos]

remember print off as many high priced e30's simialr to yours just incase they write it off!!
trust.. it helped me ALOT!!

sorry to hear tho, i was utterly pee'd off when mine happened! but well happy ive fixed it as well as got paid out!!

[BigBavarian]

why should it cost you more when you renew? it shouldn't do that even if an accident was YOUR fault , if you have portected ncb bb.
btw: you could always claim for a tech2 boot spoiler

I think they look better with a tech 1 spoiler! May see if i can supply the parts to the repair company aswell!!

[adit]

excellent! my thoughts exactly!

[Jon_Bmw]

Damn, that is a shame. Wtf was going on with the two people. Surely a car stopped at a junction is fairly obvious!

Almost definatly a write off. Only a sport or m3 could stomach the costs of the repairs and not get written off.

[m4xos]

in my case...NO!! lol

[adit]

Only a sport or m3 or an iS could stomach the costs of the repairs and not get written off.

[Banjo1981]

I think they look better with a tech 1 spoiler! May see if i can supply the parts to the repair company aswell!!

Make sure it's done as a "third party" company. The principles of insurance are that you shouldn't profit from a loss.

So if you supply the parts as "Joe Bloggs" then they'll be expected to be at what they actually cost you.

However, if you supply them as a company (ie "BB plc") then as long as there is no reference to you personally within the company title you should be ok. (I hope that makes sense...)

The way to do it would be to have BigBavarian invoice you personally for the items and then claim it back by presenting a labour invoice from the garage and a parts invoice from yourself.

I've not explained that very well i'm afraid. I'll have a think and try to put it in proper english in an order that makes sense.

[BigBavarian]

I woul;dn't be able to supply the parts anyway they go direct to BMW for that so will most likely be writen off, but itwill be back and better than ever. Well more power anyway dont think a accident damaged and repaired car will ever be better than one thats accident free

[darren1200]

Unlucky mate, could have been worse, you could of been driving my car!!!!!!

[BigBavarian]

The really annoying thing is ive been driving around in sh!t box e30's that we get in that have some tax and nothing has come close to hitting me and when i get a nice car on the road it gets hit! I wouldn't of cared if i was in the BBB loner, you can ask jhonno about the loner he loved it!

[Mox3d]

Aw man I'm sorry to read of this. It's hassle all the way from the stress of getting clouted in any given day, to the waiting game, to getting repaired. But at least you can repair I guess, good that it didn't get written off.

All my sympathies BB.

[andye30nut]

gutted for you hope it all gets sorted

[Loony]

why should it cost you more when you renew? it shouldn't do that even if an accident was YOUR fault , if you have portected ncb bb.

Lol thats not how pncb works sadly.
Protected ncb means you do not lose how ever many years ncb you have if you are involved in an accident.
No claims bonus gives you a % discount on your premium which is worked out upon your claims history,risks etc.
So lets say you have had 4 crashes and your premium works out at £1500 if you have 4 years ncb they will reduce it by lets say 15%.If you have no ncb it will stay at £1500.
Pncb does not give you an allowance to go round writing cars of all over the place and it not affecting your insurance.

[magpie]

a car crashed into my m8's car and drove off,it was parked outside his house.
he had fully comp and 5 yrs ncb protected,he had to claim on his own insurance.
renewal quote £140 more than the previous year

[djk]

Insurance is a racket. They manipulate statistics in order to profiteer - your premium goes up if you are in a 'non-fault' accident because they uphold that this misfortune instantly makes you more likely to make a claim at a later date.

There is some tenuous logic to this - for example, if you are the sort of person who makes sudden, late-braking, left turns without indicating, and are hence regularly rear-ended by 'at fault' parties, it stands to reason that your driving is more likely to result in you having some sort of accident of your own in the future, despite the fact that your accidents have not legally been your fault. But this does rather assume that we all drive round without a care in the world for our own safety, as though thinking 'f*** it, we're insured, it'll be alright'. It's a rather condescending position, but unfortunately the best you can do is hold the buggers to account - shop around, and don't accept their bullsh*t at any stage.

[initial_g]

gutted for you m8, hope evrything goes smoothe with insurance ect, if they write it off turn down there first offer! and sort out a agreement to keep the car itd only be on a cat d which is nothing, hopefully youl be quids in

[Baz666]

guys i know how you feel, as for when my car is back on the road all i want to do with it is but it on my sideboard in my livung room and look at it all day for fear of someone doing the same.

[BigBavarian]

I am annoyed about it happening as you'd expect but it is my everyday car and the paintwork was never going to stay minty mint fresh for ever iwas just hoping for longer than it has! Taking it to see the insuarnce accessor on tuesday to get his verdict.

[initial_g]

itd be a idea to make sure its clean m8 i used to do insurance assesing and the assesor decides the cars value basicly, also print some examples of what there worth in pre damage condition as theyl go from book price these cars do not sell for book price but joe bloggs whos assesing it wont know this hope this helps bro

[chisel]

Gutted hit the biyacth for wipe lash

[ChrisiS]

That is shit mate, hope they do repair it for you!!

I hate it when stuff like that happens, I keep spotting new little marks on mine from carparks and things.

I got rear-ended last year, fortunately it was in my off road prepared disco....... Tank guard and HD bumper 1, Transit 0.

[Alex]

ouch all that hard work you have put into that

i would have gone mad at the mini driver