Title: Insurance claim saga continues
Post by: Kev_mk3 on April 02, 2008, 01:10:53 pm
well some of you know that some old git drove into me the other week and bent the bumper brace. We where doing cash and I bought the parts etc to fix myself. Well the guy decided to instruct his insurance to sort the car in the end……………………….. they told me to get quotes from bodyshops for work and to be frank they took the ducking piss ranging from £760 - £1k :(
I told the insurance company they where having a laugh so they sent me to there approved repair shop ( god knows why they didn’t in the first place!! ) but I went yesterday (after having to get a day off as there not open Saturdays FFS!) and the guy reckons it will be a non economical repair – that’s pathetic when I can fix it myself for £200 TOPS!!!!
Called the insurance today and they have said they will probably settle cash and let me keep the car ( maybe about £500 ish – they couldn’t quote me until they get the report ) but if that happens ill fix the car myself – TBH it doesn’t need sod all work!!
Why cant things go simple for a change!!
1 very unhappy Kev ::)
oh heres the damage (aka f**k all) -
(http://i9.photobucket.com/albums/a74/kev_mk3/Cesaro%20Year%203/IMG_0232.jpg)
and the car as it stands (can you see a problem? i cant) -
(http://i9.photobucket.com/albums/a74/kev_mk3/Cesaro%20Year%203/Picture010-1.jpg)
I told the insurance company they where having a laugh so they sent me to there approved repair shop ( god knows why they didn’t in the first place!! ) but I went yesterday (after having to get a day off as there not open Saturdays FFS!) and the guy reckons it will be a non economical repair – that’s pathetic when I can fix it myself for £200 TOPS!!!!
Called the insurance today and they have said they will probably settle cash and let me keep the car ( maybe about £500 ish – they couldn’t quote me until they get the report ) but if that happens ill fix the car myself – TBH it doesn’t need sod all work!!
Why cant things go simple for a change!!
1 very unhappy Kev ::)
oh heres the damage (aka f**k all) -
(http://i9.photobucket.com/albums/a74/kev_mk3/Cesaro%20Year%203/IMG_0232.jpg)
and the car as it stands (can you see a problem? i cant) -
(http://i9.photobucket.com/albums/a74/kev_mk3/Cesaro%20Year%203/Picture010-1.jpg)
Title: Re: Insurance claim saga continues
Post by: DelBoy on April 02, 2008, 01:31:20 pm
Sounds like this is your first 'brush' with the world of motor insurer's, Kev.
Keep in mind 2 things:
1 You can do the repairs for £200, but that will not include labour. I don't know what body shops charge these days, but I'd be surprised if it's less than £50 per hour
2 The insurance company will try and settle at the least possible cost to themselves, so if you make them an offer that you will accept £x and keep the car, they will got for it, provided, of course, that x is substantially less than the value of the car or the cost of repairing it.
Look on the bright side, you keep the car (with little or no visible damage), have a few quid to pay off some of your cc debt, and you don't have to borrow more money for a replacement.
BTW, rather an unfortunate number plate in the light of the revelations in the NOTW last Sunday ;)
Del
Keep in mind 2 things:
1 You can do the repairs for £200, but that will not include labour. I don't know what body shops charge these days, but I'd be surprised if it's less than £50 per hour
2 The insurance company will try and settle at the least possible cost to themselves, so if you make them an offer that you will accept £x and keep the car, they will got for it, provided, of course, that x is substantially less than the value of the car or the cost of repairing it.
Look on the bright side, you keep the car (with little or no visible damage), have a few quid to pay off some of your cc debt, and you don't have to borrow more money for a replacement.
BTW, rather an unfortunate number plate in the light of the revelations in the NOTW last Sunday ;)
Del
Title: Re: Insurance claim saga continues
Post by: nickliv on April 02, 2008, 01:36:31 pm
Kev.
Apart from the facist numberplate, and the mahoosive alloys, it looks fine to me.
Bear in mind, that if it's classed as a write off on HPI, you may encounter problems if you decide to sell it in the future. However, £500 is a good chunk to pay off the credit card,(loans thread) as the car doesn't appear to require much (if any) work. If you're worried, get hold of another bumper bar, and weld it on top of the existing, bent one. If you're not worried, then leave it as it is.
Next time, leave the roadcone on front of it, so halfwits can hit that instead.
PS If you fancy a change of job, and are up for a large amount of hard work (But fringe benefits exist - south coast meets on your doorstep, paid to train etc.) visit www.natscareers.co.uk
Apart from the facist numberplate, and the mahoosive alloys, it looks fine to me.
Bear in mind, that if it's classed as a write off on HPI, you may encounter problems if you decide to sell it in the future. However, £500 is a good chunk to pay off the credit card,(loans thread) as the car doesn't appear to require much (if any) work. If you're worried, get hold of another bumper bar, and weld it on top of the existing, bent one. If you're not worried, then leave it as it is.
Next time, leave the roadcone on front of it, so halfwits can hit that instead.
PS If you fancy a change of job, and are up for a large amount of hard work (But fringe benefits exist - south coast meets on your doorstep, paid to train etc.) visit www.natscareers.co.uk
Title: Re: Insurance claim saga continues
Post by: nickliv on April 02, 2008, 01:39:24 pm
there's an echo in here
Title: Re: Insurance claim saga continues
Post by: Kev_mk3 on April 02, 2008, 01:44:08 pm
Sounds like this is your first 'brush' with the world of motor insurer's, Kev.
Keep in mind 2 things:
1 You can do the repairs for £200, but that will not include labour. I don't know what body shops charge these days, but I'd be surprised if it's less than £50 per hour
2 The insurance company will try and settle at the least possible cost to themselves, so if you make them an offer that you will accept £x and keep the car, they will got for it, provided, of course, that x is substantially less than the value of the car or the cost of repairing it.
Look on the bright side, you keep the car (with little or no visible damage), have a few quid to pay off some of your cc debt, and you don't have to borrow more money for a replacement.
BTW, rather an unfortunate number plate in the light of the revelations in the NOTW last Sunday ;)
Del
i have bought the parts to fix it myself for about £80 and a mate who does bodywork in his spare time ( has awards for the cars he has made ) has offered to do the work for £50 and a few beers :)Keep in mind 2 things:
1 You can do the repairs for £200, but that will not include labour. I don't know what body shops charge these days, but I'd be surprised if it's less than £50 per hour
2 The insurance company will try and settle at the least possible cost to themselves, so if you make them an offer that you will accept £x and keep the car, they will got for it, provided, of course, that x is substantially less than the value of the car or the cost of repairing it.
Look on the bright side, you keep the car (with little or no visible damage), have a few quid to pay off some of your cc debt, and you don't have to borrow more money for a replacement.
BTW, rather an unfortunate number plate in the light of the revelations in the NOTW last Sunday ;)
Del
if i can keep the car i will be happy - its currently being put back to standard and im selling the bits off
Kev.
Apart from the facist numberplate, and the mahoosive alloys, it looks fine to me.
Bear in mind, that if it's classed as a write off on HPI, you may encounter problems if you decide to sell it in the future. However, £500 is a good chunk to pay off the credit card,(loans thread) as the car doesn't appear to require much (if any) work. If you're worried, get hold of another bumper bar, and weld it on top of the existing, bent one. If you're not worried, then leave it as it is.
Next time, leave the roadcone on front of it, so halfwits can hit that instead.
PS If you fancy a change of job, and are up for a large amount of hard work (But fringe benefits exist - south coast meets on your doorstep, paid to train etc.) visit www.natscareers.co.uk
i am actually looking for a new job applied for 15 last week!! - location isnt a problem as i need to move anyway so ill look tonight :)Apart from the facist numberplate, and the mahoosive alloys, it looks fine to me.
Bear in mind, that if it's classed as a write off on HPI, you may encounter problems if you decide to sell it in the future. However, £500 is a good chunk to pay off the credit card,(loans thread) as the car doesn't appear to require much (if any) work. If you're worried, get hold of another bumper bar, and weld it on top of the existing, bent one. If you're not worried, then leave it as it is.
Next time, leave the roadcone on front of it, so halfwits can hit that instead.
PS If you fancy a change of job, and are up for a large amount of hard work (But fringe benefits exist - south coast meets on your doorstep, paid to train etc.) visit www.natscareers.co.uk
as for the car if they pay cash then there will be no mark against the car so its ok..... it doesn't actually need to be repaired as i could bend the bar back!!
as for the idiot who hit me he travelled the space of 2 car parking spaces to hit my car >:(
Title: Re: Insurance claim saga continues
Post by: DelBoy on April 02, 2008, 01:59:33 pm
there's an echo in here
The sound bouncing off the snow-clad hills in your vicinity Nick :D
Del
Title: Re: Insurance claim saga continues
Post by: nickliv on April 02, 2008, 02:05:53 pm
Thankfully not anymore Del, at least, not until the w/e ::)
Title: Re: Insurance claim saga continues
Post by: Lawnmower Man on April 02, 2008, 02:18:27 pm
Sounds like this is your first 'brush' with the world of motor insurer's, Kev.
Keep in mind 2 things:
1 You can do the repairs for £200, but that will not include labour. I don't know what body shops charge these days, but I'd be surprised if it's less than £50 per hour
Del
Keep in mind 2 things:
1 You can do the repairs for £200, but that will not include labour. I don't know what body shops charge these days, but I'd be surprised if it's less than £50 per hour
Del
My car is due for renewal soon so I had to get a couple of scratches fix. God knows how much it will cost. But seven days labour no parts as far as I know. Still it's not my money thats going to pay for it.
t.
Title: Re: Insurance claim saga continues
Post by: Leftie on April 03, 2008, 02:25:29 am
PS If you fancy a change of job, and are up for a large amount of hard work (But fringe benefits exist - south coast meets on your doorstep, paid to train etc.) visit www.natscareers.co.uk
Nick,
Our yatcht club has a few NATS guys and they can drink!!!!!!!!!!!!!!!!!!!!!!
Title: Re: Insurance claim saga continues
Post by: Kev_mk3 on April 03, 2008, 12:55:08 pm
PS If you fancy a change of job, and are up for a large amount of hard work (But fringe benefits exist - south coast meets on your doorstep, paid to train etc.) visit www.natscareers.co.uk
Nick,
Our yatcht club has a few NATS guys and they can drink!!!!!!!!!!!!!!!!!!!!!!
engineer is coming to inspect the car tomorrow - so i find out its fate wednesday :-[
Title: Re: Insurance claim saga continues
Post by: Stu on April 03, 2008, 11:51:12 pm
One of the lads at work clipped a car in the works truck which we would have put down to 50/50. The damage was at about 2 mph and amounted to about 3 swooshes with a spray can. Blokes got a claim in for 3 weeks car hire for £2500 on top of the repair. No wonder we pay so much for insurance.
