Author Topic: Insurance Company ....write off my GTI Stage 2  (Read 2644 times)

Offline whogives

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Insurance Company ....write off my GTI Stage 2
« on: 22 December 2020, 10:57 »
Well its happened, I had an accident Three weeks ago. Went into a Traffic Light :(   Front end damage. Not happy with the insurance as they said it was repairable. I rang them three days later to find that they had written it off and sent it straight to Co-part without telling me. Asked to see the report last week and told me it hadn't been done.

Damage front bumper, front rad and rad support surround, o/s headlight & wing, & mirror. also n/s door skin (Scratched). 

No airbags went off, and car still driveable. :(

Rang insurance company today the report has been done, they sent it to me it says 12500.00 off damage ....... WOT A JOKE
« Last Edit: 22 December 2020, 11:00 by whogives »

Offline SRGTD

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Re: Insurance Company ....write off my GTI Stage 2
« Reply #1 on: 22 December 2020, 11:15 »
Sorry yo hear about your misfortune. Presumably £12,500 is what the insurance company is offering you?

Insurers initial write off settlement offer is always low and probably representative of a trade value, rather than a retail price that you’d need to pay to replace your car with one of a similar age, mileage and spec, and IMO there’s always scope to negotiate a higher figure.

If you can find examples of cars similar to yours (similar age, mileage and spec, etc) that are up for sale at higher prices than you’ve been offered, use these in your negotiations with your insurer, but don’t accept their first offer! Hopefully you’d declared your stage2 mods to your insurer; if not then that could influence the way they deal with the settlement of your claim - and not in a good way.
2020 Polo GTI Plus; Pure White, DSG (because they all are)
Gone but not forgotten;
2016 Polo GTI; Blue Silk
2011 mk6 Golf GTD; Carbon Grey
2007 mk5 Golf GT (2.0 170bhp TDI version); Deep Black Pearl
2002  mk4 Golf GTI (the 150 bhp diesel version); Deep Black Pearl

Offline jaceyboy

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Re: Insurance Company ....write off my GTI Stage 2
« Reply #2 on: 22 December 2020, 11:19 »
Yep tell them that you want more, you can negotiate its a starting price thats all

MK7 GTi

Offline fredgroves

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Re: Insurance Company ....write off my GTI Stage 2
« Reply #3 on: 22 December 2020, 11:35 »
What does wbac offer for your car? (pre crash!)... Tbh if its a three year plus old golf 12.5k of damage is going to not be its trade value (wbac) but its going to be most of it. Hence them writing it off.

Whether that repair cost is actually what it costs or just the inflated price insurers use with their bizarre double back hander arrangements is moot. I've had some ridiculous prices attached to repairs in the past. Truly baffling.
Current: Mk8 GTI DSG, Adelaides, DCC, HUD, HK, Winter Pack, Rear Camera.. Aka "HMS Weasel"

Gone: 2017 Mk7.5 GTD,manual, NavPro
Gone: 2014 Mk7 GTD, manual, NavPro, DCC

Offline king monkey

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Re: Insurance Company ....write off my GTI Stage 2
« Reply #4 on: 22 December 2020, 11:46 »
When my car was stolen I negotiated with the help of my local VW who sent the insurance company lots of information about its value with examples they were selling too. It did make a difference.
Current: Clubsport45, white, DCC.

Past: Mk5 gti blue graphite, mk6 gti carbon grey, mk6 gti edition 35 candy white, Mk7 pp gti tornado red, 2016 Audi S3 sportback, 2019 7.5 Golf R.

Offline P6GTD

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Re: Insurance Company ....write off my GTI Stage 2
« Reply #5 on: 22 December 2020, 12:10 »
If the insurer has already sold the salvage before you have accepted any offer and been paid, then they are in serious trouble.
The vehicle is your property until the claim has been settled.
They have handed you a huge advantage in doing this.
You now have two points of contention, the value they have put on the car and their illegal behaviour in selling your property.
If the above does indeed accurately reflect the position you need to make them aware you will not accept the settlement and that you require their immediate formal written confirmation that the salvage has not been sold on and remains your property.
That’s a good starting point.
Keep in touch with a progress report.
2019 5Dr Mk7.5 Performance DSG. Indium Grey with DCC (and TCR spoiler)

(Previously two Mk7 GTIs, Mk6 GTI and Mk6 GTD)

Offline P6GTD

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Re: Insurance Company ....write off my GTI Stage 2
« Reply #6 on: 22 December 2020, 12:14 »
I have heard other reports in 2020 of insurers being keener to write cars off due to the general Covid situation regarding inspecting damage and the difficulty of getting cars repaired in any reasonable timescale.
2019 5Dr Mk7.5 Performance DSG. Indium Grey with DCC (and TCR spoiler)

(Previously two Mk7 GTIs, Mk6 GTI and Mk6 GTD)