Crash bang

[guss]

Yes the thing I've dreaded the most has happend,last Friday I was driving along when some young lady started to appear in my view coming out of a side road.
Thinking she was edge in out waiting for me to pass then join my side,but as I passed she was still creeping over BANG right into my rear wheel arch bumper hanging off wheel arch looks like a tin opener has been at it
Could this be a blessing (new paint job) it is Swartz metallic black,am I right in thinking the whole car would need to be done so it would be an even finish? Also the bbs alloy was chipped and would defenetly need a new one. Any one with some knowledge on this with helpful pointers
Been in contact with insurance today so things are moving.

[bmw9818]

theres one other thread on here similar to yours, obv depends what model, year, mileage, condition, history etc...

ins comp will probably write it off tbh,

[suchy]

Well unfortunately you will always lose in the long run when insurance gets involved. Best bet would've been to try to squeeze cash out of the lady and leave the insurance companies out of it. You will now pay extra for your insurance even if it's a non-fault claim!! The question will be "have you had an accident in the past 'x' years" to which the reply will have to be "yes" as it has been recorded. There have even been instances on here of people losing out big style when involved in another accident the insurance company declaring the insurance cover void over something simple as phoning their insurance company over an accident and even though no claim was ever made (settled in cash) the matter was recorded and used against them as 'no accidents in past years declare'

Even if you do go down the route of insurance companies, most E30's are written off for minor damage as they are seen to be rather valueless compared to the cost of a proper repair. You buy the car back and repair but it's always classed as written off and therefore worth less.

Don't mean to put a downer on things but circumstances are very unfair when insurance companies are involved

[guss]

I thought the same but looking again does seem fixable I reckon 1800 ,car cost me 3 bags j reg cabriolet condition is fine,but I'm know expert would be a shame that.

[guss]

Well unfortunately you will always lose in the long run when insurance gets involved. Best bet would've been to try to squeeze cash out of the lady and leave the insurance companies out of it. You will now pay extra for your insurance even if it's a non-fault claim!! The question will be "have you had an accident in the past 'x' years" to which the reply will have to be "yes" as it has been recorded. There have even been instances on here of people losing out big style when involved in another accident the insurance company declaring the insurance cover void over something simple as phoning their insurance company over an accident and even though no claim was ever made (settled in cash) the matter was recorded and used against them as 'no accidents in past years declare'

Even if you do go down the route of insurance companies, most


E30's are written off for minor damage as they are seen to be





rather valueless compared to the cost of a proper repair. You






buy the car back and repair but it's always classed as written off and therefore worth less.




O that's bloody sh!t being penalised for some one else's mistake.she was in a little fiesta (student )her car would probably cost less thanthe repair.
I've got some one coming Wednesday to have a look at the damage fingers crossed,what happens if it's a right off?

Don't mean to put a downer on things but circumstances are very unfair when insurance companies are involved

[guss]

^^^bloody ell sorry matey

[suchy]

Yeah it's well unfair I know
Now the insurance company is involved, if you hit them with a bill for a new BBS, arch, bumper + paint, chances are the car will be written off and they'll try to bum you with an insulting first offer. Prove the value of yours with like adverts and take it from there.

Did you contact your insurance company to sort it out on your behalf or did you go straight the lady's insurance co?

[guss]

Yes through my insurance,I'm beginning to see paint parts all adds up I new I should of slapped her

[Brianmoooore]

You will now pay extra for your insurance even if it's a non-fault claim!! The question will be "have you had an accident in the past 'x' years" to which the reply will have to be "yes" as it has been recorded.

It was announced last week that this little scam is due to be outlawed.

[Kedge]

You will now pay extra for your insurance even if it's a non-fault claim!! The question will be "have you had an accident in the past 'x' years" to which the reply will have to be "yes" as it has been recorded.

It was announced last week that this little scam is due to be outlawed.

About time to, they'll come up with another scam though if they haven't already!

[suchy]

You will now pay extra for your insurance even if it's a non-fault claim!! The question will be "have you had an accident in the past 'x' years" to which the reply will have to be "yes" as it has been recorded.

It was announced last week that this little scam is due to be outlawed.

About bloody time!!

[Captain_Birdseye]

You will now pay extra for your insurance even if it's a non-fault claim!! The question will be "have you had an accident in the past 'x' years" to which the reply will have to be "yes" as it has been recorded.

It was announced last week that this little scam is due to be outlawed.

Thank God for that.

[mcbonio]

Another e30 crash, thats got to be around 5 in the last 2 weeks.

[BATTS91]

another accident jeez , sorry to hear fella, makes me paranoid lol

[mcbonio]

Almosy glad I'm off the road for the next 5 weeks with my leg.. theres something in the air I think...

[FinalD]

chances are the car will be written off

Incorrect. As the OP was not at fault it is down to the other parties insurance company to put the OP back into the situation he was in before the accident, which means they should repair his current car. The OP can even demand that his car is repaired and not written off.

If the OP was found to be at fault or it went 50:50 then it is indeed likely the car will be written off.

[scjimbo]

chances are the car will be written off

Incorrect. As the OP was not at fault it is down to the other parties insurance company to put the OP back into the situation he was in before the accident, which means they should repair his current car. The OP can even demand that his car is repaired and not written off.

If the OP was found to be at fault or it went 50:50 then it is indeed likely the car will be written off.

I'm not sure about that mate. I thought it was a long as its financially viable to do so.

[suchy]

chances are the car will be written off

Incorrect. As the OP was not at fault it is down to the other parties insurance company to put the OP back into the situation he was in before the accident, which means they should repair his current car. The OP can even demand that his car is repaired and not written off.

Never heard of this happening!!

[scjimbo]

When some ass drove into my car in Tesco, he admitted liability. He wanted to go through his insurance. It had to go to some vauxhall garage to have an "engineer" look at it.

Turns out the old guy who was an engineer was a bit of a legend. As I was getting out of the car he comes up to me, Says to me, "look mate I can see this car is your pride and joy. All i'm going to do is write it off. Its over ten years old, unless you have classic insurance they are just going to give you £500 for it. My advice is don't bother and fix it yourself"

I took his advice and got £250 off the knobber with the Camper van.

IMHO insurance companies just will not fix old cars. I recently had a rub with a focus in my E39. Small dent in the wing and sill. The E39 only needed the bumper rubbing back and a bit of paint. The repair centres bill to my insurance company was over £2500.

The repair centres con the insurance company. That way a car over 10 years old which is hard to find bits for becomes a write off with £500 worth of damage I'm afraid.

[FinalD]

I'm not sure about that mate. I thought it was a long as its financially viable to do so.

Never heard of this happening!!

You have the right to be put back into the situation you were in before the accident so you can demand that it is repaired and not written off. Obviously this only applies if the vehicle is actually repairable and not wrapped around a tree after being shunted.

Most people however will just not bother to have the hassle of getting the other person's insurance company to back down on handing a cheque for the car's 'value'.

The other person's insurance company is not allowed to write off the car if you say you want the car repaired. If you're silly enough to have gotten your insurance company involved (no need to if someone hits you other than to call them and inform them of an incident) then you're in for a whole world of pain and hassle. You should be dealing with the other person's insurance company directly or via an accident management company.

[Aero1]

Feeling your pain mate, hope you get it sorted out ASAP.

[guss]

accident management is dealing with it,and tomorrow i pick up a vauxhall enigma as a replacement car.the damage is not bad really not much speed involved,she was probably coming across 15 mph may be 10.
somebodys coming out tomorrow to asses the damage then take it from there. fingers crossed

[stew72]

You have the right to be put back into the situation you were in before the accident so you can demand that it is repaired and not written off. Obviously this only applies if the vehicle is actually repairable and not wrapped around a tree after being shunted.

Most people however will just not bother to have the hassle of getting the other person's insurance company to back down on handing a cheque for the car's 'value'.

The other person's insurance company is not allowed to write off the car if you say you want the car repaired. If you're silly enough to have gotten your insurance company involved (no need to if someone hits you other than to call them and inform them of an incident) then you're in for a whole world of pain and hassle. You should be dealing with the other person's insurance company directly or via an accident management company.

This.

Your first call should be to the other parties insurance company, telling them their client was at fault. They'll argue that they weren't and that you should contact your insurer, don't. Nows the time to mention a claims management company, if their client is at fault then thets just another cost they won't want.

To the OP, how about going for money in lieu of repair, you should get enough to cover a reasonable repair (I got £1000 to repair the wing and door of a mk2 Golf valued at £1700 a few years ago) you get to keep the car and it doesn't get recorded as a write off.

[guss]

^bit late now they will already of sent a letter. just want it sorted dont want any hasle,or to jepordize a pay out .

[guss]

Well after a stressful few days it looks like my cars getting a repair and not wrote off.somebody came to have a look at the damage today,took a quick look and straight away said it was gonner be written off
Then he asked how long I've had the car and how much I paid,2 years I said £6999 I said,then I went on to tell him how good the condition of the car was etc which was the reason I bought it (little lie).
It's a 92 reg cab average to good condition straight Swartz black, garaged ,I stuck with it believing my own bull,so he calls me back later that day and tells me it just qualifys for repair and he values the car at4k,I paid 2999