Been hit up the back!
Posted By : Nigel Gibbins, 19-Apr-2007, 01:27pm
Gutted Van... 
Now you've got me thinking back...
When I was shunted up the back...
If I remember correctly I went through the other guys insurance but insisted on specialist repairer (in this case JY Classics) just explain what the car is and they should understand. KY gave a quick quote (had to get it to them) and kept the car until approval came through job was done in a couple of days and was back on the road.
When the car was written off...
The process was much the same but it took ages to get the settlement out of the insurer as they disputed the agreed value - FJ argued for me and I got the full price (but three months later). Buy back option was 33% of the value if I remember correctly for a Cat C (repairs exceed value) - if yours is a Cat D (repairs cost 60% of value) they'd want more (probably 66%?). Once it was declared a write off you need to take it back as you'll get charged for storage otherwise.
Talk to them about the salvage costs so you know their policy - if you take the car back after it's declared a write off they should be more than happy to let you buy it back as they won't need to collect it themselves. Be ready to collect it very quickly from the repairers though as after the write off is declared the car becomes the property of the insurance company (that's why they give you money) and they could pick it up within days (or hours!).
In any case - it was his fault so make sure you get a courtesy car from his insurers... I had one for three months!!
Now you've got me thinking back...
When I was shunted up the back...
If I remember correctly I went through the other guys insurance but insisted on specialist repairer (in this case JY Classics) just explain what the car is and they should understand. KY gave a quick quote (had to get it to them) and kept the car until approval came through job was done in a couple of days and was back on the road.
When the car was written off...
The process was much the same but it took ages to get the settlement out of the insurer as they disputed the agreed value - FJ argued for me and I got the full price (but three months later). Buy back option was 33% of the value if I remember correctly for a Cat C (repairs exceed value) - if yours is a Cat D (repairs cost 60% of value) they'd want more (probably 66%?). Once it was declared a write off you need to take it back as you'll get charged for storage otherwise.
Talk to them about the salvage costs so you know their policy - if you take the car back after it's declared a write off they should be more than happy to let you buy it back as they won't need to collect it themselves. Be ready to collect it very quickly from the repairers though as after the write off is declared the car becomes the property of the insurance company (that's why they give you money) and they could pick it up within days (or hours!).
In any case - it was his fault so make sure you get a courtesy car from his insurers... I had one for three months!!
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Been hit up the back!
Posted By : Alan Madin, 19-Apr-2007, 03:40pm
Mine was a similar scenario so you have my sympathy.
All I can add to above is I had settlement within two weeks - mine was a very obvious write off and other driver didn't have a leg to stand on liability wise. Be sure to itemise and if needs be remove from car any belongings that you want to claim for (i.e my suit jacket soaked in petrol from split tank...) Obviously you cannot remove fixtures/fittings that alter value of car!
On receipt of courtesy car under FJ cover, a renault eurobox 4 door 1.8 something... I jokingly said but mine was a two door sports car. Delivery man said well its like for like so I'll get you a sports car if you want , we've got em. Time prevented me taking that option but......
As a final note any pains in legs or back see doc, record any issues and let insurance company know! I did the bloke thing 'its only a niggle - it'll clear' for a 3 - 4 weeks , now 6 months on I can barely walk somedays. Insurance company (FJ cover) have given NHS 6 months and are sending me private if not sorted...but its take a while to get medical opinions in place...
Al-
Been hit up the back!
Posted By : Alexander Cain, 19-Apr-2007, 11:02pm
Just a quickie - make sure they don't take the car away before they give you a figure to buy it back - that happened to me and the price by that time was extortionate due to recovery costs etc.. a right pain!
Good luck,
Alex-
Been hit up the back!
Posted By : Van Hamlin, 19-Apr-2007, 11:29pm
Thanks for the help guys. I'm not letting anyone take the car away, that way I don't have to worry about how I get it back! The assessor is coming Monday, so I'll see what happens then.
A few years ago I had an A-reg RX7 which was written off and I bought it back and repaired it. But the insurers would only insure it 3rd party only because they said it had no value as they had paid out. To reinstate the value was a difficult process involving inspections etc and the insurer was really unhelpful about how to go about this.
I'm worried about something similar happening this time. I don't want to end up with a car I've bought back for &163;1300 or whatever plus spent money repairing that I then can't insure properly.
Van
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Been hit up the back!
Posted By : Mike Crewes, 20-Apr-2007, 09:53am
Van
If you're insured with FJ through the Club Scheme, remember that you have the Club behind you. If you have any problems, let me know and I'll make sure they are sorted out.
Regards
Mike
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