Omega Owners Forum
Chat Area => General Car Chat => Topic started by: Webby the Bear on 22 July 2013, 15:14:52
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luckily no substantial damage and driver admitted fault straight away. got call from his insurer who are going to pay for all damage. anything to be wary of?
(http://i1226.photobucket.com/albums/ee402/webbybear1/omegabash_zps16f1b93d.jpg) (http://s1226.photobucket.com/user/webbybear1/media/omegabash_zps16f1b93d.jpg.html)
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New bumper, crash bar (just to be sure) and rear light should just about cover it :y assuming the boot lid lines up all the way round, and still opens/closes as it should :-\
If they start getting evasive, take a cheque for £600 plus you keep the car :y very easy DIY fix, looking at maybe £120 max for second hand parts and an hour of your time if it comes to it :y
BUT
Shouting as it's important...
DO NOT, UNDER ANY CIRCUMSTANCES LET THEM TAKE THE CAR AWAY. THIS MIGHT BE INCONVENIENT FOR YOU, BUT HAVE IT ASSESSED AT HOME EVEN IF THEY SEND THE ASSESSOR OUT. THEN GET THE CAR ASSESSED INDEPENDENTLY BY A BODY SHOP YOU TRUST. THEN WHEN THEY AGREE TO THE REPAIR THE CONDITION IS THAT YOUR BOIDYSHOP DOES THE WORK AND THEY AGREE IN WRITING TO PAY HIS BILL AS AGREED FROM THE ESTIMATE HE GAVE YOU. THAT WAY THE CAR IS DEFINITELY REPAIRED, RATHER THAN THEM TRYING TO WRITE THE CAR OFF.
If they refuse take a settlement but you keep the car. I suspect they will try and wriggle as the repair will coist them about £800... £380 for the bumper shell, £50 for the crash bar, £100 for the light, £50 for a litre of paint and the rest in labour...
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As he says ^^^^^
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cheers guys. is the crash bumper the black polystyrene between bumper and the car? :)
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Not quite :y
Polystyrene is an absorbtion panel, designed to deal with gentle taps upto 5-10 mph. Crash bar is the steel girder that bolts to the car and deals with heavier knocks :y
Foam clips onto it, and the bumper shell then sits on top :y
As said crash bar is one of the cheapest lumps of metal on the car, not replacing it is just being cheap imho...
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Oh no :(
Has it marked the wing and door trim :-\
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That's a Bummer Webby! :(
Here's hoping you get it sorted with the minimum of hassle :y
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Just to add, again, never let the car out of your sight. Unless its being repaired of course.
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hi guys. Ok bit worried now. I'm not sure how it happened but i missed taxi als last bit about letting it out of your sight . . . More than called and They.re sending their company to pick the car up and having it fully repaired. Including a courtesy car whilst its worked on. Is this dodge? I'm not losing my omega. So if it is ill call them first thing
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Insist on it being repaired at someone you know/trust. The place who did your wheel arches for example.
If they take the car away then you REALLY need written confirmation that your car will be repaired REGARDLESS of the extent of the damage. Otherwise, they might find when pricing the repair that it is cost prohibitive and write it off. They then pay you out, and send the car to Copart or similar to recover costs, meaning you shit out all round :-\
Insist that the car is assessed on your property, and don't let it go anywhere until the repair is confirmed as authorised. That's how I deal with these situations since mine was written off without consultation :y Stand your ground and don't take any crap from them...
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taxi. Completely understood mate. I'm on the blower first thing. Cheers mate. Exactly what i needed as i know there companies are oppsed up and dont give two Shits! Cheers :-)
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I once had a car taken away after a small shunt, and when I purchased it back from them (after it being written off), the fuel tank had been drained, there were what I can only imagine were forklift marks on the N/S sill and the battery was missing.
Don't let it leave you without your knowing WHERE it is going!!!!!
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Any update? :)
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Hi guys,
Rang morethan this morning. I expressed concern that I don't want them to write the car off. she said dpnt worry you can either have the car scrapped if the cost exceeds the value or we can offer you a sum and you get to keep the car.
HOWEVER the assessment needs to be done in luton. if its not safe though I cant have the car back. WTF!?!
Got the company in luton to call me and they left a message as id just nipped out.
im going to ask them if that's the case. but to be honest im thinking about just saying don't worry ill fix it myself! all I need is a bootlid... I got a bumper and a rear light cluster!
what do you dudes think? can I simply say ''sod you ill fix it myself''? for the sake of £300 or whatever theyre going to ''offer''
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That's another point - Don't accept their offer! They will better it when you refuse.
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cheers BM. But aside from the offer.... it sounds like a situ where if I let them take it its highly likely im not going to get it back. I think they'll just deem it ''unsafe'' and scrap it.
as said im not having this car scrapped. its my baby :( :'(
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You have every right to keep that car and every right to take it to your preferred place of repair and have them quote for the works necessary.
Let's be honest, it is probably going to be a write off when part prices are taken into consideration so, IMO, you are going to do well out of the deal.
The only problem I can see is the rear light lens and loose bumper (jaggedy sticky out point bit) would make this car technically illegal to drive on the road.
Don't back down and demand that you stay in possession of the car at all times.
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DP :(
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Webs - get a quote for repairs from someone you know and trust - write to the insurance company stating that as it was their client who hit your car, and are therefore to blame, you are enclosing a quote for repairs. Give them 7 working days to respond and agree with and cover the repair costs quoted, or you will go ahead with the repairs and take them through the county court to recover cost of repairs and out of pocket expenses.
Do NOT let them remove car.
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Thanks guys. im not even going to bother calling this company back. im going to do that and write to them once ive had a quote.
thanks guys.
just shows though that for someone who don't know what theyre doing (ie me) it could have all gone pear shaped and I could have lost my car
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As far as I'm aware, they cannot dispose of your car unless they have your permission. The problem is how they treat your car when it is not in your possession, i.e. getting moved around by a bloody big forklift! >:(
I guess it depends on what YOU want the outcome to be.
1) If it were me, I'd hope that the car was beyond economical repair and they sent me a nice cheque.... that's only going to be a Cat C anyway, so stick some shiny new bits on and away you go.
Or
2) It ends up being repairable and let a Garage make a tidy profit on repairing your vehicle, you get the car back (as in scenario 1) but don't have a few hundred quid in the bank.
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Quick update guys. This gets more ridiculous by the second! lol
I called the repair centre in Luton. They were like ''yeah if you want the car back that's fine irrespective of its safety''. ok, great. but...
We will charge you 30% of what you get from morethan to effectively buy the car back from us. in his example he said if I was to get £1000 from more than they'd obviously take £300 and i'd have £700 to do the repairs.
that's all well and good but when I spoke to morethan they were like ''yeah we'd probably offer in the region of £300''
HAHAHAHAHAHAHAHA
So for all this hassle they come get my car, give me £300 which I then give straight to the repair centre who then return my car with no work done and ive still got to fix it. hahahaha
SO.
I'm going to get a quote for the work, write to morethan with a copy of the estimate and ask them to come out to me and assess it and then pay my garage to do the work.
if I cant do that ill simply whack on the bumper in the garage and fit the spare headlight cluster I have and get a bootlid off a breaker from here!
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and just checked in the garage... the cluster I have is for the O/S. I need a N/S one. pm's incoming breakers ;) :D
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....
SO.
I'm going to get a quote for the work, write to morethan with a copy of the estimate and ask them to come out to me and ...
I think you meant TELL ;) ;) ;)
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....
SO.
I'm going to get a quote for the work, write to morethan with a copy of the estimate and ask them to come out to me and ...
I think you meant TELL ;) ;) ;)
so I did mate ;D :y :y :y
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Quick update guys. This gets more ridiculous by the second! lol
I called the repair centre in Luton. They were like ''yeah if you want the car back that's fine irrespective of its safety''. ok, great. but...
We will charge you 30% of what you get from morethan to effectively buy the car back from us. in his example he said if I was to get £1000 from more than they'd obviously take £300 and i'd have £700 to do the repairs.
that's all well and good but when I spoke to morethan they were like ''yeah we'd probably offer in the region of £300''
HAHAHAHAHAHAHAHA
So for all this hassle they come get my car, give me £300 which I then give straight to the repair centre who then return my car with no work done and ive still got to fix it. hahahaha
SO.
I'm going to get a quote for the work, write to morethan with a copy of the estimate and ask them to come out to me and assess it and then pay my garage to do the work.
if I cant do that ill simply whack on the bumper in the garage and fit the spare headlight cluster I have and get a bootlid off a breaker from here!
I don't get any of that. None of it makes sense. Why would you be buying a car from the repair centre? It's your f'ing car.
That aside, 30% of 300 is not 300 ;D
That aside, seems like you need to grow a set and tell the insurance company how it's going to be! ::)
Failing that, get YOUR insurance company to deal with them.
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I cant imagine the people who took your car have any legal right whatsoever to demand 30% of your payout.That must bordering on demanding money with menaces ffs !
P.S. If you need a rear light unit,drop me a PM. ;)
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Webby, how come you aren't sat in a nice shiny new Hire Car paid for by the third party insurers? :(
After a small amount of digging, the general information I can find is the buy-back would be 10% of the car's value (or I should say 10% of the offer made by the Insurance Company) The value and offer should tally-ish.
Cat D write-off, like yours would be (I erroneously said Cat C above) (if it is indeed written off) doesn't need a VIC test or anything, just stick a bumper and tail-light in and drive it away.
On my first point, push push push for a hire car from them.... That's a costly thing to them and you are more likely to have a speedy conclusion to this mess if they are paying £30 a day for you to spend around in a lovely Peugeot 107 ;D
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My car was repair estimated at my address and written off , i was paid full amount and next day a low loader pulled up . Asking what scrappy he was taking it he said ha ha oh no , this one is going in for repair like the othe 4 on the trailer ::)
Big business in write offs ..
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Cat D write-off, like yours would be (I erroneously said Cat C above) (if it is indeed written off) doesn't need a VIC test or anything, just stick a bumper and tail-light in and drive it away.
I reckon it would be cat c...
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yeah sorry made mistake with the 30% of £300 ::) ;D
in all honesty I cant be arsed with the worry of them having it at theirs. and I also know that even if I grew a set and argued with them they wouldn't budge with getting my own person/company in. its their way or the highway.
however ill still try in writing to get some dosh out of them. in the mean time though ill fix it myself
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This isn't going to end well AT ALL! :'(
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in what way mate?
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Webs, at the end of the day its their responsibility legally to put your car back into the condition it was prior to their client banging into it - that's the law and fact. You need to stand your ground, tell them politely to feck off and pay up for repairs. Write as I said and if they don't respond positively, get it done and send them the bill. You will win if it goes to County Court - the judges there always side with the "small guy" against the big, particularly insurance companies - been there done it :y
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Agreed :y
They know their responsibilities, which is precisely why they are trying to avoid them ::)
Now You also know them, so don't take any nonsense. If they still insist on taking the pish, ring your insurers and get them to put Morethan straight.
If it comes to it I can recommend a decent accident management company :y
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ok thanks guys. that's how I feel... like the small guy about to battle with these fekkers. ill ring them again and see what their response on the phone is to getting my own dude in.
thanks boys :-* :-* :-* :y
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FFS so who`s gonna pay for all this grief & it`s not your fault. >:(
I`d stick £500 on the bill to cover your admin costs :y
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Said this so many times on here in the past, if you've had a ding and it 99.9% not your fault, dont bother going through your or there Insurance, straight on the phone to an Independent Insurance Assessor, He knows how to deal with the 3rd party Insurers, will get you a better deal, more agro money, loss of earning etc, and the Car will remain your property until fixed or scrapped, and despite what the 3rd Party Insurance co says you dont need to mention it to your own Insurance Co, unless of course it ends up as a Cat * something and thats only informative info to remain insured with the same car.
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Said this so many times on here in the past, if you've had a ding and it 99.9% not your fault, dont bother going through your or there Insurance, straight on the phone to an Independent Insurance Assessor, He knows how to deal with the 3rd party Insurers, will get you a better deal, more agro money, loss of earning etc, and the Car will remain your property until fixed or scrapped, and despite what the 3rd Party Insurance co says you dont need to mention it to your own Insurance Co, unless of course it ends up as a Cat * something and thats only informative info to remain insured with the same car.
http://www.lossassessors.org/ (http://www.lossassessors.org/) is the website for the Institute of Professional Loss Adjusters
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Webby, how come you aren't sat in a nice shiny new Hire Car paid for by the third party insurers? :(
After a small amount of digging, the general information I can find is the buy-back would be 10% of the car's value (or I should say 10% of the offer made by the Insurance Company) The value and offer should tally-ish.
Cat D write-off, like yours would be (I erroneously said Cat C above) (if it is indeed written off) doesn't need a VIC test or anything, just stick a bumper and tail-light in and drive it away.
On my first point, push push push for a hire car from them.... That's a costly thing to them and you are more likely to have a speedy conclusion to this mess if they are paying £30 a day for you to spend around in a lovely Peugeot 107 ;D
Belatedly sorry to hear of this sad news Webby. I do hope you sort everything out to YOUR satisfaction. As others have said, take no nonsense; it was not your fault so you must not lose out in any way. BM is right - you should by now have a good quality hire car at your disposal.
Over the last 3 years I have had two "non-fault" accidents. On both occasions I had a EuroCar Mercedes E class, a 320, at my disposal for weeks whilst they decided what to do with my cars - one was a write off, the other they tried to write off but I refused to allow them to do so - and both times the third parties insurance had to cover the hire car costs whilst I sorted out a replacement (which cost more than the w/o car was actually worth) that I insisted had to be at least as good as my existing car, and in the other case until another repair centre, not the one that tried to write it off, made the car good.
In both cases I also received all costs incurred, and my excess was completely covered by the insurance companies agreeing on a direct payment from one to another without me being involved.
This was the write off:
(http://i282.photobucket.com/albums/kk247/lizziefreeman/DSC00036-1.jpg)
far worse than yours which should be repairable
and this one they tried to write off but finally agreed to repair:
(http://i282.photobucket.com/albums/kk247/lizziefreeman/DSC00190.jpg)
Cannot see the damage? No, there is just some light damage to the paintwork, but the buggers tried to write it off, and I drove to the car repair firm immediately following their phone call and grabbed my car back. Proves what others have said is right!
Everything should be to your satisfaction!
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There's a large amount of good solid advice to be had here,don't back away from a bit of a tear up with the insurers,it seems that trying to shaft an innocent member of the public going about their business is part of the game to absolve themselves of the responsibility that a lot of large companies do by hiding behind terms and conditions and small print which in turn is used to move the goal posts and frustrate us...the lowlife parasites >:( Go get em!! :y
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There's a large amount of good solid advice to be had here,don't back away from a bit of a tear up with the insurers,it seems that trying to shaft an innocent member of the public going about their business is part of the game to absolve themselves of the responsibility that a lot of large companies do by hiding behind terms and conditions and small print which in turn is used to move the goal posts and frustrate us...the lowlife parasites >:( Go get em!! :y
Tell me about it >:(
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hi guys. Ok bit worried now. I'm not sure how it happened but i missed taxi als last bit about letting it out of your sight . . . More than called and They.re sending their company to pick the car up and having it fully repaired. Including a courtesy car whilst its worked on. Is this dodge? I'm not losing my omega. So if it is ill call them first thing
im insured with admiral and had some knob idiot run in the back of me. i was offered a no fault claim,my car was repaired and had a hire car for 2 weeks whilst off the road for repairs. :y
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I'm going out on a limb here - I think there is more to Webbys story than has already been told.
If I'm wrong, I'll apologise sincerely.
Webby, did you reverse into something? It's ok, we wont shout at you! ::)
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Hahahahahahahaha no mate. Someone went in to the back of the car whilst mum was driving. I'd tell ya if I'd done that ha ha :)
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Hope you get it sorted mate , dont want it next to ralf 1 in the scrappy :-[
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I was in this situation last year, read my experience here: http://www.omegaowners.com/forum/index.php?topic=105337.0
Thanks to the advice to OOFERS, especially Entwood I got my car repaired relatively hassle free :y