GolfGTIforum.co.uk
General => General discussion => Topic started by: Wazzzer on 26 August 2016, 21:26
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It seems the end has come for the Golf... or has it
Long story short third party has caused paint damage to the OSF wing, bonnet and some nasty deep gouges out of the front bumper while the car was parked up and unattended. They consequently drove off without any details being exchanged but I have 3 witnesses and their details.
Now the insurance company has informed me due to the age of the car on paper it will probably be "beyond economical repair"
I've never been in this position before so what should I be arguing to either:
1. Have the car repaired
2. Have it written off (presumably Cat D) then buy it back and have it repaired myself
My initial thought is to take the cat D with payout as I'm not intending to sell the car any time soon then have it repaired myself but I'm not sure on the figure I should be aiming for; the balance after buy back to be enough to cover spraying and inconvenience maybe?
Oh and on top of this the police are being an absolute bunch of @rseholes, reported it to them and now they've passed it to some collisions assessment team in Winchester; why they can't just go and knock on his door and give him a bollocking I don't know...
Any help and advice greatly appreciated :lipsrsealed:
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Have you checked to see if the driver was insured and if so get your insurance to sort it quickly .
As for what to do I wouldn't have a clue .....
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Ah WTF Wes :sad:
Gutted for you mate :sad: :sad:
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There's too much time and effort gone into that car pal. Keep it one way or another and make it good again. I was in same position and thinking to call it quits by selling up. Reinforced why I like my car so much and decided on keeping it.
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They will write it off unfortunately but wait till you see how much they are offering and refuse the 1st couple of offers then once your happy offer them 100quid for the car
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Yeah I can appreciate why they write cars off these days, just a bit of a pisser when it's your own.
Absolutely agree too much of my blood, sweat and tears is in that car, even my missus said to keep hold of it! I don't use it much any more as I ride to work rain or shine but when I do use it I've got to admit it brings a smile to my face
I'm more frustrated at the lack of help from the plod, if I went outside and smashed someones window they'd be all over me within 5 minutes but with this I've had absolutely no communication from them
Anyways enough of my ramblings, I'll give the ins company a bell Tues and discuss the next move...
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So sorry to hear of the terrible news mate. I can't believe the fuzz aren't giving the culprit a good ear bashing! It just shows what their priority is?? Was your car parked close to your house at the time? And with all the many thousand's of hours of hard graft you've put into your Golf, I'm not surprised your annoyed! I would be. I Just hope you can iron out the small print with the Insurance Company and keep your car?
Keep your head up..
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Yeah it was parked just down the road, close enough to hear the bang as the perpetrators sliding door FELL OFF the van and landed on my car though!
Underwriters are being phoned tomorrow
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Nightmare. Got to be worth keeping it whatever happens :)
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Gutted for you. What ar5eholes.
Whatever you decide, hope you get sorted
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Any updates Wes?
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I've been pushing my insurance company the last few days and have come up with a bit of a result.
The Golf will no longer be written off, I'm guessing the cars condition, mileage and mods were better in the pictures than the engineers were expecting and they couldn't just class it as a £500 book price sh!tter like they wanted to.
So they have offered me £680 for repairs which I am going to refuse. It's in need of paint on the bonnet, offside wing and bumper and also the nearside wing blending in and I have been getting quotes of around £800 for this so I'll be requesting an amount close to this.
The police have also been in contact; they have been round to the registered keeper of the camper but he is away working (according to his mother) and doesn't own the van any more (even though it was parked outside the property, go figure).
She has been given a form to pass onto her son which requests the identity of the driver at the time of the incident to be named within 14 days or he will face prosecution. Sounds very similar to a speeding offence NIP
So a result in both aspects :afro:
Interestingly I have looked back on the campers old MOTs via the government website and it appears to have had a rust problem on the nearside for quote some time...
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Fingers crossed for a good result
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And the plot thickens...
My underwriters have now informed me that my claim is on hold due to my modifications. These were all declared and I have proof of this so there seems to have been an administrative error and they do not have my mods listed
Cue me on the phone tearing the insurance company a new one and things are now back on track :rolleyes:
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Buy another Indy blue mk4 for penny's swap the panels you need and sell the rest saves spending much of the money they give you :smiley:
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Finally got a result. Just over £700 minus the excess for my repairs received today and in my account. :afro:
The excess is being refunded as I have cover for that with my policy so now it's just a case of finding someone to do it.
Oh and the guy that owns the van has driven past me and stopped to have a word, he claims to have left a note on my car at some point and that the police are hassling his mum. He'd also like me to phone him to discuss what happened.
I'm not going to bother though, the police and insurance company can deal with it as they see fit; he shouldn't have just buggered off in the first place
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Good work. That's a result!
I had similar with damage to my other car late last year. I knew who'd done it, but he denied it, and thought he was being clever in trying to hide the damage to his car. What he didn't know was I'd found it and got photos of his car before he quickly had it repaired! The insurance companies caught up with him in the end ;-)