GolfGTIforum.co.uk
General => General discussion => Topic started by: davidhawkins_78 on 09 May 2005, 08:41
-
Have a look ...
http://217.207.109.245/stuff/crash_pic1.jpg
http://217.207.109.245/stuff/crash_pic2.jpg
http://217.207.109.245/stuff/crash_pic3.jpg
I little twit in a trev'd up e30 BMW hit me on Thursday. I was pulling out of a junction and he was speeding; I had fecking miles to pull out and was pretty much on my side of the road. He thought I was blocking his lane to make him stop, so went on the wrong side of the road to go round me and BANG! Here's the damage ^
She's off for an investigation on Tuesday - Engine still runs and the fecking headlights still work too! Dam Germans for you ;)
Pending the report I might look in to buying back etc and repairs but more than likely I'll write it off and i'll do my best to reclaim what costs I can by buying it back - providing they give me a sensible price and don't want mega bucks to buy it back.
Has anyone any experience of hangling over the price of a MK2 in an insurance claim ?
My car was mint - even better than anyone who saw it last year at the shows. It only had 90k on the clock FFS !!
I'm not after silly money but looking in the trader and people like Voolkswizard I'd have to spend at least 2 - 2.5 k to replace her. Can anyone thing of any other specialists I can look at for helping with a market valuation ?
Also, if she is gonna be broken watch this space for plenty of bits for sale !!
-
repair it if you can dude, theres not enough silver mk2's :cry:
-
The only thing I'm concerned about it the fact the inner wing on the drivers side is bent under the airbox.
If I get it fixed I want it to be a proper job too - so i'll wait for a copy of the engineer's report ... fingers crossed !!
-
you know the inner wings are removeable too?
-
Yeah I had heard something about that - we talking the whole thing almost bolts on as it looks fecking substantial to me !!
-
Woah I'm really sorry hope you can get her fixed!!
-
Gutted for you David that was one sweet silver mk2, as veedub says there aren't enough silver mk2's about you gotta save it. I would say it definately looks repairable as the outer wings don't look too damaged so inner wing damage will probably be minimal. Good luck haggling with the insurance company but I wouldn't hold out too much hope. I wrote my last valver off about 20months ago, I paid £3k for it 9months earlier, after the insurance deducted my excess I was left with £950!!!
I argued with them that their valuation wasn't accurate but their reply was basically "scr*w you sucker" I have an agreed valuation policy on the current one just to be sure.
Hope you get it sorted.
-
Had my mk2 16v written off, they don't care if its mint really cos they go off book value... you'll be lucky to get over 1k for her but as they did with me, they'll prob give you your car back for free.
I feel for you, having your pride and joy recked is gutting... brings back painful memories  :sad: :angry:
:rolleyes:
P.S. My payout was £850... insulting really, and that was after a week of haggling against their first offer of £500...
-
gutted mate :( :(
-
that looked like mine 1 year ago when someone pulled out infront of me :huh:
gutted mate. yours looked soo crisp :cry:
the plus side is that everything is bolted apart from the inner wings. the downside is that colour matching original paint can be hard
hate to say this but thats deffo a right off :lipsrsealed:
-
:cry: :cry:
Gutting Mate
-
Did u get yours fixed Blue ???
If it's written off I'm still in two minds as to fix it or strip her and replace it ....
-
yeah got it fixed mate. Take a look at the signature pic :lipsrsealed:
lucky the inner wings wernt touched.
i think you should get it fixed mate. mk2 parts are dirt cheap
-
Well like I said the inspection is Tuesday so I'll keep you guys posted. Once I've got the report I've got a few friends in the trade i'll call and see what they think is possible.
I'm soooo gutted though :cry:
-
Check that the leading edges of the upper parts of the front doors match up with the windscreen surround. If the gap is not continuous (eg the top has a bigger gap than bottom or vice versa) bin the car.
The payout on the car is gonna be crap. It doesn't matter what you think the car is worth, they pay the book, and the book is always low.
-
so gutted for you hun :cry:
hope you can manage to get it fixed
Dinx :kiss:
-
nightmare, that car looked so neat n tidy. id be gutted
-
Oh man, David I'm gutted for you :cry:
On the plus side, I would say that does look repairable. The outer wings look ok and as tinman says if the door gaps are the same then it shouldn't be anything too major. Even the bonnet looks unscathed :shocked: It may look bad, but from what I can see, I've done worse repairs than that in the past :wink:
Do let us know how you get on.
-
gutted for ya mate!!! :cry:
hope you can save her us silver MK2 drivers are becoming rarer than rocking horse dooo doo's :laugh:
-
Sorry to see that David :cry: If possible try and get her fixed, I for one on here can say how sweet it looks in person. :sad:
-
you should be able to fix that dude. Doesn't look too bad. You'll need to do some serious haggling with your insurance though else they'll give you peanuts for it!
-
I'm getting prepared now ....
From the point of view of using whatever cash/ payment I have to replace her looking in the local papers and trader etc there's nothing close to her in terms of mileage and condition at all. There's a few nice example but still well over 110k on the clock and not 90 spec / Digifant
Even the stuff sold by the likes of Volkwizard cost over 2.5k and some have 138k on the clock FFS !
I fully except there's only so much arguing possible, but surely they must take on board that given the current market it'll cost more than a lame grand to replace her ??? On my policy it states the car is worth 'Market Value', hopefully this will give me an angle to work ....
Also I'm a bit concerned about the mods as I didn't declare the backbox or Suspension - silly I know but I just never got round to sorting it. It's only lowered 40mm and I've adjusted the suspension back to soft. Anyone had any experience - I'm guessing all I can hope is because a 3rd party are doing the assessment they don't report it ??
-
a few of my mates have got away with mods. this was coz someone crashed into them and not the other way round so you migth be alrite
-
I fully except there's only so much arguing possible, but surely they must take on board that given the current market it'll cost more than a lame grand to replace her ??? On my policy it states the car is worth 'Market Value', hopefully this will give me an angle to work ....
Also I'm a bit concerned about the mods as I didn't declare the backbox or Suspension - silly I know but I just never got round to sorting it. It's only lowered 40mm and I've adjusted the suspension back to soft. Anyone had any experience - I'm guessing all I can hope is because a 3rd party are doing the assessment they don't report it ??
you gonna get turned over on the cash. they set the value - not you. if you feel you have it in you to sue an insurance company whose wealth is measured in £bns then have a go. Most of the country will be behind you.
also, are you claiming on your insurance or the other party? if this was the other party's accident and their insurance company is paying out then the mods shouldn't make any difference. your policy and what you've told your insurance company is none of their business.
however, if it is your insurance - then you need to keep your trap tightly shut. an insurance company will invalidate your insurance the moment the get a whiff.
personally, i'd keep my trap shut regardless about the mods. playing thick and stupid never harmed anyone - you bought the car like it. keep the assessor looking at the front of the car, thats what hes come to look at.
-
^^^^^^^^^^Good advice, keep your trap shut, act dumb and say you bought the car like that and thought it was standard IF asked.
You're not going to get anywhere near the pre-accident resale value I'm afraid :cry: Thats why its worth looking into agreed value policies...........easy to say with hindsight I know :lipsrsealed: Even they aren't bullet proof from what I have seen from other peoples experiences, but you will get better than 'market' value. Personally I think you would be better to agree as high a figure as you can get and then try and buy the car back.........even if you don't want to repair the car, I'm sure there are plenty of members here that would be keen to buy it off you, for more than you will pay to buy it back, and repair the car themselves :wink: Be a shame to see such a well maintained and looked after vehicle be stripped and scrapped :cry:
-
Cheers for the replies lads and if I can get her fixed at a sensible price I will, so hold off the PM's for parts you scavengers !!
As for the mods they're all subtle and not damaged or close to the area they need to investigate, so fingers crossed and cheers for the input :)
I didn't mention befor,e but I was driving my missus car on Sunday (all fully insured with her present too) and someone went in to the back of that! That's already being sorted as it's an easier claim as he's admitted liabilty to his insurance company and ended up with just a new rear bumper.
I've had sooo many people give me the old 'things happen in threes' story I'm just very edgy - the last thing I need is for them to void the policy and then god knows what !
-
really sorry to hear this david that was one nice car, if i were you get it fixed if you don`t you`ll always regret it, any way good luck sorting all the insurance etc out
-
that's a sad sight mate :(
all the best with getting it sorted, would be a real shame to not get it repaired and looking good again
-
ahh mate thats sh!t!!! keep us informed with how its all going.
-
Gutted for you mate,hope you can get it fixed ok
-
:cry: :cry: :cry: :cry:
Is that whiplash i hear??? :wink:
-
:cry: :cry: Gutted for ya david. :sad:
Looks fixable tho depends if the insurance is willing to play ball.. :sad:
-
gutted
i had a nissan s12
a vectra hit that and you can hardly see the damage but boot floor is bent
they wrote it off but i keep the car
tyring to sell it for bits atm
hope yours gets fixed looks very sweet pre-beemer
-
Had that happen 2 me payed nearly 2 grand had it smashed up the back outside my mates house the day after i got it . the dickhead had been drinkin all day !!!!! it wasnt even his car it was his bosses. he hit mine so hard that it tore the axle off was offered £200 4 it, took them 2 court through my insurance company got £2000 + exthingyes
-
Never ever ever except their first offer if they write it off. I wrote off the mini a couple of years back and they offered me £300. THe car is worth £5000!!!!!!!! I managed to get £1,500 and rebuilt it myself. Mine was a front ender and the cost of replacing the whole front end with steel was pricey cause I can't weld. Luckily for me minis rock and I now have a one piece removeable complete carbon fibre front end. Not only was it cheaper but when you flip it open you can see the weave. Creams the girlies pants I can tell you.
Anyway the moral of the story is fight for your money, then get it repaired by people whowon't charge you an arm and a leg. It should be possible to get that repaired for about a grand if you know the right people and canget panels cheap.
Good luck fella I know how you feel.
Nick
-
Still no word from the Insurance Company as yet - I must say I've been very unimpressed with their service (Tesco Insurance).
I phoned for an update and was told I needed to fill out an accident report form that would be in the post at the end of the day. I got home to one - surely they could have seen it had already been sent?
After I recieved it I sent it back the next day as I'd already prepared a report using Visio. I phoned them for an update 5 days later and they said they've sent out a reminder (snotty letter u mean!) for me to return it as nothing can be done until it's been seen.
I went on to explained I sent it back the next day and enquired on their internal post performance as I could sent/email a further copy; I was told it usually takes a good few days to get to the right office, so they're sending me snotty letters when they're more than likely sitting on it!
No word on the valuation either - one phone call in 3 weeks and that was only an introduction, no initial formal offer at all surely it's not that hard!
Ssurely with the amount we pay you should get a decent level of service ???
-
Well, insurance companies are blood-sucking mofo's
Hopefully you get it sorted out soon
-
I would get a Non runner and swap the bits over to fix this top car m8.
Insurance is best done by gettin a value for the car first as they will give peanuts for the car.
Plus they will try there best to get out of paying up. I had a major headache getting money from a company who's lorry had dropped stones all over the front of my car on the motorway resulting in 20 bad stone chips and three chips in the screen and a broken headlight . It was a gravel lorry.... I was asked for an independant witness Tossers (excuse the rant) where are you gonna get one of them doin 80 on a motorway??? So they wouldn't admit fault so ive got chips still!! I costed it up and it was £800 for a proper job . i had chips on the bonnet front panel roof sunroof top of my door tops of wings.. It did a proper job but im left unable to get anything
-
it would be a shame for it to go as it is really smart
-
I would get a Non runner and swap the bits over to fix this top car m8.
Insurance is best done by gettin a value for the car first as they will give peanuts for the car.
Plus they will try there best to get out of paying up. I had a major headache getting money from a company who's lorry had dropped stones all over the front of my car on the motorway resulting in 20 bad stone chips and three chips in the screen and a broken headlight . It was a gravel lorry.... I was asked for an independant witness  Tossers (excuse the rant) where are you gonna get one of them doin 80 on a motorway??? So they wouldn't admit fault so ive got chips still!! I costed it up and it was £800 for a proper job . i had chips on the bonnet front panel roof sunroof top of my door tops of wings.. It did a proper job but im left unable to get anything
thats when you issue a county court summons for £20.
-
Another update for you lot on my claim – or should I say farce …
First of all I've not had any claims experience with other companies, but I cannot stress how poor Tesco Insurance have performed with my claim and would NEVER recommend them to anyone!
Finally almost a month later the right department has got my paperwork and things will hopefully get started. They still have not contacted my 2 witness, so more written correspondence and more delays; luckily I work in the IT department of a Call Centre (fairly high up too) and have access to the call recording software. This means I've got an MP3 of every inbound or outbound call made whilst I'm at work and boy does it look like I need them!
Every conversation you get a different version of events or need to speak to a different department; OK that may be the case quite legitimately but from the inconsistencies in the phone calls they just donÂ’t have a clue - organisation must be a swear word in their offices!! Notes being made on the claim I have no knowledge of that really should require discussion, then no notes from some very in-depth conversations which results in important information not being recorded!
The next farce is the valuation - the engineer is allowed to agree a valuation and Tesco will then make it's deductions posting a cheque without talking to me at all. I can contest the value once it's received, but I bet thatÂ’s never successful as youÂ’ve banked the first amount.
If I hadn’t made a pest of myself phoning ever few days to get on update I’d never have found this out till a cheque had arrived on my doorstep – I think that’s disgusting! I promptly told them that they were not to send any funds until I was happy with the valuation; when asked what’s there SLA with things like this was I was told 10 – 14 working days FFS!!
Well IÂ’ve barely scratched the surface with the details, but hopefully I said enough to warn anyone off Tesco Insurance - plus I do feel better for a bit of a rant
At the moment despite having 10 examples of good condition to show level Mk2Â’s ranging from £1895 to £3500 to help get the ‘market rateÂ’ IÂ’m left with £1000 minus a £350 excess till the litigation is sorted, a further £150 in remaining monthly payments – even then those of you who read my accident report will be horrified to hear that they think IÂ’ll have to take total responsibility as I was pulling out despite all the circumstances which is again more frustration.
All my hard work and love in restoring my beloved Mk2 nearly ended in £500 in my account and no transport – oh and I paid £500 a year for the privilege too what great service Â….
-
BAST@RDS :angry: :angry:
Think i might be changing my insurer this year then ... :angry:.
-
Really sorry to hear that mate, but i'm afraid no-one except an enthusiast is going to pay a lot for an F reg golf gti, mint or not.
-
Really sorry to hear that mate, but i'm afraid no-one except an enthusiast is going to pay a lot for an F reg golf gti, mint or not.
Disagree with VR, agreed valuation is the way to go. But then you only know how good the policy is when the unfortunate happens. Sorry to hear that David, it is robbery. Keep persisting mate, speak to someone there and keep onto them. Be polite and don't lose it. That should go a long way.
-
david really sorry to hear mate as it looks a sweet car.
Insurance companies are mostly members of GISC which is general insurance standards council. You are experiencing very poor service and I assume if they are paying out then you were fully comp insured. I would suggest that next time your on the phone mention your disatisfaction and that due to them taking over a month to pay out on a fully comp policy that you will be contacting them with your complaint.
Any complaint investigated by GISC costs the insurance company money and alot more than the value of your car. I wouldnt be surprised if all of a sudden your complaint is passed onto a manager or team leader to resolve.
If you do need to use your taped conversations as evidence you need to tell the company involved you are recording the conversations as they do to you as if you dont anything said on the tapes is not admissable, from your copies although as they say there calls are recorded you can demand copies of them.
You can also request copies of all documented corespondence they hold about you so if anyone has written anything about you or the case that can be see as personal opion they are again wide open.
Goood luck with it. I had a major proble three yrs ago when my Mk3 driver was written off by me I was with adrian flux and they were useless offered 750 for my driver in the end I got 2500 for it.
Re your mods if the assessor hasnt seen it yet get it changed back to standard as they will not pay out as you havent informed them of the mods and you could end up paying for the damage to the BMW as you wouldnt have been insured, plus matybe even getting a LN10 on your liecence for no insurance.
but on a lighter note for me. 5 yrs ago I wrote off my first golf a Mk2 driver with 180 thousand on the clock, it was a three door in black and looked like a gti. The assoor came when I wasnt home. I rang the cpompany and was given a fgigure of 1200 only when I looked at the assors notes did I see he thought it was a gti lol. so they do F@ck up too