Doctor G... the search is over!

[Willie]

No worries, a very good way to learn more about the inner workings

 

[RDS]

Sorry to hear the bad news mate.
As you said at least nobody got hurt.
All the best in your search for a new one!

 

[DOLBY]

James!
Just read the thread now...so sorry to hear this buddy. I know how i felt when i had my hit and run last year, i was well peeed off to say the least. I have no idea what happens in this situation, so the insurance company set a price and you have to 'buy back your own car'? Sos i never wrote a car off before so i have no idea. What if you still got a huge loan on it? you'd be fooked.

Another thing to mention mate, im trained in accident investigation and you mentioned the lack of good signs on the T junction? If i was you i would get a few pictures of the scene, the roads around the area and the lack of signage etc etc, before the council get there. As the accident will be listed now so they may get crafty and put new signs up so no one can make a claim. Just a bit of advice buddy.

Glad you are ok though

 

[jonathan_phang]

Balls - thats not good Glad that you have managed to escape unscathed from the accident, and hope that you manage to get a new LCR in your sights soon. Hope the insurance doesnt end up paying silly buggers.

 

[Willie]

James!
Just read the thread now...so sorry to hear this buddy. I know how i felt when i had my hit and run last year, i was well peeed off to say the least. I have no idea what happens in this situation, so the insurance company set a price and you have to 'buy back your own car'? Sos i never wrote a car off before so i have no idea. What if you still got a huge loan on it? you'd be fooked.

Another thing to mention mate, im trained in accident investigation and you mentioned the lack of good signs on the T junction? If i was you i would get a few pictures of the scene, the roads around the area and the lack of signage etc etc, before the council get there. As the accident will be listed now so they may get crafty and put new signs up so no one can make a claim. Just a bit of advice buddy.

Glad you are ok though

The insurance company will give him top book price for the car to allow him to replace this car like for like.
By doing this the insurance company are basically buying the car off of him.
They will obviously have no use for it so usually would sell off to scrappers but if you ask them they might give it to you for a good price to save hassle for themselves

 

[turbo009]

Main thing your alright,I am sorry for you tho,and hope your find another minter like you had!
Gutted for you,but could of been worse!

 

[kirkyboy3]

very sorry to hear that pal... never nice!!!

chin up and go get a cupra r

dan

 

[D.K]

Sorry to hear this James.

Do you recon it's repairable ? Might be worth getting some independent prices as garages always bump it up when insurance is involved

 

[DOLBY]

The insurance company will give him top book price for the car to allow him to replace this car like for like.
By doing this the insurance company are basically buying the car off of him.
They will obviously have no use for it so usually would sell off to scrappers but if you ask them they might give it to you for a good price to save hassle for themselves

Ok so say James' 54 reg car is worth 5k, the ins company give you 5k. But what about all the mods you put on the car? They arent financed so surely you can just take them off.

Also the ins company must know you can make bucks selling bit by bit, so why would they sell the car back to you for say £500 (just an example), they must set it at 2k or something????

Sos willie just trying to comprehend this situation

 

[Willie]

Ok so say James' 54 reg car is worth 5k, the ins company give you 5k. But what about all the mods you put on the car? They arent financed so surely you can just take them off.

Also the ins company must know you can make bucks selling bit by bit, so why would they sell the car back to you for say £500 (just an example), they must set it at 2k or something????

Sos willie just trying to comprehend this situation

If James car has its mods declared then these will be accounted for in his re-numeration package.
The insurance company sell insurance.
They don't deal in damaged repairables, dismantling cars or scrap metal.
The garage 'might' allow the mods to be removed before the car goes to where ever but insurance companies are wise to this now.
Also insurance companies don't know what the car is worth in pieces, not many people do.

 

[DPJ]

If James car has its mods declared then these will be accounted for in his re-numeration package.
The insurance company sell insurance.
They don't deal in damaged repairables, dismantling cars or scrap metal.
The garage 'might' allow the mods to be removed before the car goes to where ever but insurance companies are wise to this now.
Also insurance companies don't know what the car is worth in pieces, not many people do.

But the Insurance companies regularly sell wrecks to scrapyards and scrapyards are big business. The Insurance companies will sell the car back to the owner at a higher price than they can get from the scrapyard, otherwise they'll lose out. They'll check the price with their tame scrapper before they tell the owner a higher price.

 

[Willie]

But the Insurance companies regularly sell wrecks to scrapyards and scrapyards are big business. The Insurance companies will sell the car back to the owner at a higher price than they can get from the scrapyard, otherwise they'll lose out. They'll check the price with their tame scrapper before they tell the owner a higher price.

Fair point.
Will be interesting to see what they're wanting for it.

 

[filbro]

Some insurance complanies will not allow the owner to 'buy' the car back when its written off. Just a thought.

 

[DOLBY]

this was why i was ranting last year with my hit and run....basically i was saying modifying is fun but dangerous (coming from me, and i love modifying). Dangerous in the sense that, if you are serious about improving your car ie suspension, exhaust, remaping etc etc using all the expensive brand names....some old dear coming out of a tesco carpark, doesnt see you and smacks you straight on the B pillar causing damage to the chassis, causing the car to be written off.

Now, you just spent 5k doing the car up, just to be in an accident that wasnt your fault (with all mods declared) and now you have to BUY BACK YOUR MODIFIED CAR?.....all us modified car drivers are living on a time bomb waiting for someone not paying attention on the road to financially ruin us lol......

Just a quick pointer there....

 

[J@mes W]

UPDATE:

Earlier today i had a phone call from the crash inspector, he's valued the car at £6,500. I was pleasantly surprised, i was expecting a far chunk less to be honest. Now obviously i wont be taking their first offer, im going to push for 7k which should give me enough to get a decent LCR. Got a eye on a few at the moment, all being well i'll have an offer im happy with by the end of the week, meaning i'll be able to start looking to buy a car next week.

Thanks for the advance and kind words chaps its much appreciated.

James

 

[EL]

That's good news mate, nice one. Good to also hear your staying in the LCR scene

 

[D.K]

Whats the insurance going to be like on another LCR if you've written one off ?

 

[J@mes W]

That's good news mate, nice one. Good to also hear your staying in the LCR scene

Cheers fella.

Whats the insurance going to be like on another LCR if you've written one off ?

Not sure to be honest, im a old git so it was pretty cheap pre crash, its going to go for sure but i'll have to check to see how much exactly.

 

[D.K]

I'd cheeck first mate, mine went up when my neighbour hit mine when it was parked, I was'nt even in it

 

[DOLBY]

nice one James, you going for the same platinum or something radical like yellow???