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Post by jackyboy on Apr 25, 2018 11:02:41 GMT
Inspectors been. I was dazed so i forgot to mention all my mods which will bring the value down even more!! (Kicking myself) super worried now he said theylle probably write it off. If i do get to buy the car back i cant be without the car for 1 day if they take it away. And where does thr car go!? Will they rape all my mods off!?? Im having a Canoeing meltdown here.
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Post by wannabe on Apr 25, 2018 12:35:53 GMT
Grrrrr I wrote a reply and then lost it.
Anyway, short version:
Ring the insurance company.
Ask what their procedures are for assessing / writing off (and a copy in writing if possible).
Ask if you can provide evidence of your vehicle's (high) value by supplying copies of online sales listings / finished auctions / etc. for cars that are the same/similar spec and condition. (If you can show high value, the cost of repairs as a percentage of the value will reduce, which may move it from 'write-off' territory to 'repair' territory.)
Related to the procedures question above, they would probably issue a cheque for a write-off then arrange collection. You should ask what happens if you want to buy a write-off back - it may be that they just reduce the value of the write-off cheque by the buy-back amount and then send it through the post, meaning you don't need to have the car taken away for any period of time.
If they won't let you buy it back, get stripping and/or replacing bits with crap/knackered/cheap OEM stuff...
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Post by joeytalent on Apr 25, 2018 13:12:52 GMT
Ive heard tales of not being able to buy your car bac And parts being taken off your car after its been written off. Im worried about the insurance sky rocketing. I already pay 500 a year and that went up as soon as the woman drove into me  Are you still in possession of the car, or is it at an assessors being stored? If it's in your possession, they can do the inspection wherever, and I don't think there's any reason you can't be present (to stop bits being taken off, if that does happen). As for buying the car back - you may not to be able to buy it back if it's written off with structural damage, but then would you still want to drive a car that has that kind of damage? And yes, your insurance goes up until the claim is resolved, even if the other party admits fault. I wish I only paid £500 a year - insurance for my Jeep over here is over $750 for 6 months, because they don't recognise the length of time I had a UK license, only my US one  |
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Post by joeytalent on Apr 25, 2018 13:16:01 GMT
Grrrrr I wrote a reply and then lost it. Anyway, short version: Ring the insurance company. Ask what their procedures are for assessing / writing off (and a copy in writing if possible). Ask if you can provide evidence of your vehicle's (high) value by supplying copies of online sales listings / finished auctions / etc. for cars that are the same/similar spec and condition. (If you can show high value, the cost of repairs as a percentage of the value will reduce, which may move it from 'write-off' territory to 'repair' territory.) Related to the procedures question above, they would probably issue a cheque for a write-off then arrange collection. You should ask what happens if you want to buy a write-off back - it may be that they just reduce the value of the write-off cheque by the buy-back amount and then send it through the post, meaning you don't need to have the car taken away for any period of time. If they won't let you buy it back, get stripping and/or replacing bits with crap/knackered/cheap OEM stuff... I didn't see the latest page of stuff. All this, 100%. Be prepared to prove your car is worth more, because they'll probably lowball you, or give you a the blue book rate or whatever it's called now. Also, were your modifications declared or not? |
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Post by wannabe on Apr 25, 2018 13:53:02 GMT
Also, were your modifications declared or not? TBH I'm not sure if that actually matters in this instance - he's not claiming off his insurance, he's claiming off the other person's insurance, so surely they just have to return the vehicle to the condition it was in (and as it was found when inspected, in terms of kit on it)? I know insurers do share information but I don't see that the insurers in this instance would contact his insurers to ask for a specification list - I don't think I've ever heard of that happening! Perhaps it might in a situation where a vehicle is insured for a 'declared value', but I don't think his insurers would even get involved where he is claiming off a third party in a situation like this. (Or at least mine never have, other than to see if they can 'ambulance chase' for compensation, which, of course, they'd get a cut of...  ) |
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Post by Horney on Apr 25, 2018 14:21:25 GMT
Some progress then. Expect a low ball offer of £800 or thereabouts in the post. Do not accept it, do not reply, do not do anything till you’ve posted on here for advice.
Start compiling eBay listings and Autotrader adverts for similar specification, age and condition MX5s. Ended listings on eBay are your friend because the insurance company will value it at whatever the glasses guide says, which for a 20 year old mass produced sports car will be peanuts.
Then you have the fun of getting them to up those offer. At this point you want to be confirming you wish to retain salvage and that that should be deducted from the payout. It works in your favour that the car is still road worthy and in your possession. At least they can’t just auction it off for scrap like they did to a mate of mine.
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Post by jackyboy on Apr 26, 2018 16:29:09 GMT
Ok aĺl notes taken.
The inspector called me back today and said he would put the value at 1400. 10 percent salvage cost and id get the car and 1300 quid. I could get repairs done with that money.
Hmmmm
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Post by joeytalent on Apr 26, 2018 18:13:24 GMT
Ok aĺl notes taken. The inspector called me back today and said he would put the value at 1400. 10 percent salvage cost and id get the car and 1300 quid. I could get repairs done with that money. Hmmmm What's your excess? |
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Post by Rickster on Apr 28, 2018 9:35:44 GMT
Ok aĺl notes taken. The inspector called me back today and said he would put the value at 1400. 10 percent salvage cost and id get the car and 1300 quid. I could get repairs done with that money. Hmmmm I’d bite their hands off at that Pretty good I reckon |
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Post by jackyboy on Jun 9, 2018 18:03:32 GMT
Update!
Got a cheque through the post friday from the solicitors that greenlight provide for free..(release the hounds!)..so thats that covered. Winns solicitors were great although their communication was a bit pants. Had to chase them to get the ball rolling at each stage. And havent been given any advice from anyone atall about anything about anything.. especially what is required once a car has neen written off? Im on my own with that one.
So the car did written off. Category n which is the least serious write off. Cat n is the old cat d meaning non structural damage. Im still looking into whether i need to let the dvla know its a write off.
Couple of things to note, no one is assisting in the process of helping me after the car being written off. I figured speaking to greenlight would be the obvious thing to do.. After letting them know it was a write off They said the insurance should barely go up at renewal and no increase in premium this year. also ile get refunded on the 50 quid my insurance didnt go down last year because of the crash and theylle reinstate my no claims for last year!! BUT HERES THE BOMBSHELL for my insurance to continue i had to get a fresh mot certificate! I wasnt informed of this by anyone throughout the whole process so i had to get an mot at the drop of a hat. Not for legal purposes just for insurance purposes..Canoeers..
She obviously admitted fault. I got a cheque in the post. Bla bla bla
So next saga is mot today!!!
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Post by jackyboy on Jun 9, 2018 20:51:18 GMT
Oh and horneys been a god send through the whole thing. I should probably pay him for legal advice 😂
Every question he had an answer too.
Which brings me to todays short notice mot! Usually i save for about 3 months before an mot but i had a days notice from telling the insurance about the write off to the mot station!! My mot wasnt due till august but i had to get it done today or my insurance was void!
Rocked up to mot today. First thing the tester said was its gunna fail on the seat. The seat is a bucket seat on a fixed mount. All original seat and rails not present.
I didnt agree but thought i needed just to deal with it and bodge the standard seat on because you cant argue with the man!!?? Straight on the text to horney who took time out of his race day to advise me.. he advised that the mot tester was wrong so horney knowing his stuff i let the mot go on and gathered enough evidence to grill him at the end of it! I literally went to 2 mot stations prior the test for peace of mind about a few things. The seat being the main thing. They both agreed that it was fine and dandy! Anyway so at the end of the mot i failed on
Windscreen wipers..fair
Handbrake adjustment...hmmm
Seat not operating mechanism properly moving...wtf
Brake pedal rubber perished...oh comeee on!!??
So whilst he was in the office i got on the phone to the other mot stations and made sure the mot guy could hear the conversation. The mot guy started searching on google whilst i was on the phone and pulled up the same screenshot of writing that horney srnt me that id already showed him... he was still adamant that the sliders were ment to br working.. even though there wasnt any sliders!!
Eventually he had to call his own mot tester friends to finally confirm that it was indeed fine to have a fixed bucket seat!!!
For future reference if a bucket seat is fixed to the floor and the standard sliders are not present then the sliding mechanism can not fail to function properly.. because its not there so cant be tested!!
Once that was established.. i had still failed on the horn button being insecure. Which it is insecure BUT it works so he also retracted that after some discussion. I went and got the wiper blades and some super glue to stick the rubber brake pedal back on and returned to the test station with 30 minutes before they closed! Stuck the wipers on in 10 seconds (pretty sure they wasnt on properly) and bodged the glue under the rubber pedal.. pulled him away from his sandwhich to inspect my work. He literally glanced at the wipers and pedal rubber and said "yep perfect" so i had one more thing to fix.. handbrake adjustment. He pulled the lever partly out the way to try and adjust the cable. I said its easier if you take the whole thing off.. he literally just said Canoe it dont worry about it. He then punched in some details on the re test sheet.
Passed with minor defect.. horn button insecure
Advisory.. seat.
What a Canoeing day.
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Post by FFS Corders on Jun 11, 2018 8:07:29 GMT
What a total canoe hat he was. Glad it passed in the end!
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Post by NurseHolliday on Jun 11, 2018 10:39:40 GMT
What a day, but great success!
So what's the deal, now? You got a cheque, bought the car back, but how much "profit" did you make to fix the side?
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Post by jackyboy on Jun 11, 2018 22:24:35 GMT
Well lets just put it this way.. they didnt give me enough to repair the car! But they gave me more than i paid for the car!
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Post by wannabe on Jun 12, 2018 7:18:36 GMT
Nice outcome from a crap situation!  |
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