The big cat got a scar today

allford

allford

Active user
Aug 12, 2014
74
55
Mainly Gozo
Parked o/s my mates house in a marked bay the old boy accross the road decided to modify the door for me reversing off his drive.....

well at least he left me a note before driving off.

Probably a write off now I'm gutted it's a 58000 miles minter.


 
sure you could pick up a door of a scrapper rather than scrap it or if he will pay get it done without going through the insurance.
 
allford said:
He wants to go through insurance the back of his brand new fiesta is well spanked in according to his son
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Just get a new door for it... wont cost more than £40 so I wouldn't even bother claiming as they wont repair it and they'll give you peanuts for it writing it off ,as for him going through insurance ,he'll have to claim on his own policy as he hit you! Your not to blame..


I'd have words with him ,ask him to pay for a second hand door... if not tell him you'll get the police involved.... careless driving and all that.
 
Right, here we go.

The damage you have received is probably enough to write off the car. But here's the thing:

Your contract of insurance is with your insurer. They are the only ones that can write your car off (unless it's a clear Cat A or Cat B).

You got hit by someone and, from what you've said, it is entirely their fault. The damage sustained is Cat D (economic write-off at best). So it is their insurance that is responsible. Their insurance company is not allowed to write off your car. They must compensate you for quoted repairs or the price of an equivalent replacement vehicle. Even if the two of you are insured by the same company.

Get a quote. Present it to them. Laugh at their counter-offer and stick to your guns. When they finally offer what you want, take the cash and fix it how you see fit because that is absolutely your right to do so.

Your car is absolutely not a loss. Not a write-off. Follow the advice above and keep Cougaring.
 
Mako said:
Right, here we go.

The damage you have received is probably enough to write off the car. But here's the thing:

Your contract of insurance is with your insurer. They are the only ones that can write your car off (unless it's a clear Cat A or Cat B).

You got hit by someone and, from what you've said, it is entirely their fault. The damage sustained is Cat D (economic write-off at best). So it is their insurance that is responsible. Their insurance company is not allowed to write off your car. They must compensate you for quoted repairs or the price of an equivalent replacement vehicle. Even if the two of you are insured by the same company.

Get a quote. Present it to them. Laugh at their counter-offer and stick to your guns. When they finally offer what you want, take the cash and fix it how you see fit because that is absolutely your right to do so.

Your car is absolutely not a loss. Not a write-off. Follow the advice above and keep Cougaring.
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Thanks for the advice I'd like to keep it and would be able to replace the door myself no probs
Rob
 
allford said:
Thanks for the advice I'd like to keep it and would be able to replace the door myself no probs
Rob
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You can. Make your claim and then get it done by a good body shop. You can choose the one you want to use. You can even claim a courtesy car even if your own insurance doesn't offer one.

Failing that, make your claim, buy a door from here in the right colour, fit it and pocket the difference.

Your car. Always your car. Not theirs.

Good luck and stay strong.
 
I agree with all the above, just get a door and fit it. Job done. Make sure you got a mate to help you as it is a 2 man job because the door will be heavy.
 
As Chris says, just claim directly from the 3rd party insurer. You should advise your own insurer that there has been an incident and that there will be no claim through them.

Find a good door and get a quote from a small bodyshop to hang it for you and paint the side of the car and present it to the 3rd party insurer.

They will send you a cheque to settle the claim as quickly as possible.
 
The more and more I read about UK insurers the more I question the sanity of the British for putting up with it.

Anywhere else that car would be "if you want to fix it go ahead, if not we'll give you a couple of quid". The damage is on a door, it's not affecting the car in any way other than looking slightly bad. I think it's time the British people started telling these companies to get a grip on reality and stop paying their extortionist fees per month for what appears to be very very little in terms of help.
 
lulzyboy said:
The more and more I read about UK insurers the more I question the sanity of the British for putting up with it.

Anywhere else that car would be "if you want to fix it go ahead, if not we'll give you a couple of quid". The damage is on a door, it's not affecting the car in any way other than looking slightly bad. I think it's time the British people started telling these companies to get a grip on reality and stop paying their extortionist fees per month for what appears to be very very little in terms of help.
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Fortunately (or maybe unfortunately) it's not really that simple.

It's helpful to think of insurance companies as a cross between an investment bank and a hedge fund, with a secondary function to pay you if you crash.

Looking at it from my own personal risk perspective, if I had a car worth £750 that someone did £500 worth of damage to (assuming dealer prices, which I would never pay) I would have a very long think about whether I wanted to repair it too. If I was thinking with my wallet and not my heart.

I'm not defending them - I know that their practices can be shady and I'm pretty sure that there's a few insurance executives out there who aren't looking forward to their own personal lake of fire when the Devil comes to collect. And of course they're going to want to "try it on" with you and see if you'll accept a lowball offer. And yes, the premiums are a bit steep for seemingly no reason sometimes.

But whenever I think about my insurance - which isn't very often since I treat it like a utility bill - I thank $Deity that I don't live in the US. Or Northern Ireland.
 
Well The Big Cat lives to fight another day just 2 days in the bodyshop and came back looking her luvlee self again, no cat D, no write off.....


 
Pid_16V said:
That looks an exellent job, good colour match and finish. You must be really pleased with it. (y)
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Really pleased with the results I know it is only 3 weeks since the incident but I felt gutted everytime I walked up to the car to drive it with that dented door. So happy now.

Rob
 
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