Old People=205 Waiting To Turn Right...

[grantley1988 1]

 

The beam seems ok. The boot floor is buggerd. Will the insurers right it off? So angry i do not no what to say.

[lemmingzappa 75 1 Cars]

Another waste of a car due to an idiot I'm sorry to see that mate, had mine written off by a taxi driver last September and i'm still fighting with the insurance company now !

 

I'm pretty sure they will write that off but you never know until the assessor looks at it. Did they admit liability ?

Edited July 4, 2011 by lemmingzappa

[Richie 32]

Bloody shame that mate. I'm no expert but if it were me i'd expecting them to write it off. Will you buy it back off them and repair it etc?

 

Old people eh.

[backroadpug 12]

Sorry to see that mate. I think if that happened to me Id get locked up.lol

[Arahan 4]

Bloody hell mate. Gutted for you

[Edp 67 3 Cars]

As long as the rear quarters are in one piece that looks repairable.

[d7ve_b 44 1 Cars]

Unlucky mate, I feel for you

[shalmaneser 26]

As long as the rear quarters are in one piece that looks repairable.

 

Can I see ripples in the reflection?

 

s*it luck dude, my sympathies!

[grantley1988 1]

Gutted is an understatement. Was going to take it off the road to fit a new fully forged engine this weekend! The rear quarters are fine. The car is in great knick really but so i dont really want them to write it off

 

The lady admitted full liability and have a witness so thats fine. What do you guys think on the insurers writing it off? The car is insured as a 2.0 turbo but not silly things like bigger breakers and exhaust. Will this be a problem when the assersors check it?

 

I have never been in an accident before so do not no what to do?

 

Is it illegal to ring the lady and ask if she was not to go through insurance? I hoping it will just need a new floor pan welded in, a new bumper and a new tail gate. The structual part which the lock mechanism is on is all bent, can i get a new one of these?

 

Cheers

[Daviewonder 533 3 Cars]

This really sucks Mate, especially after all the engine work you've done recently. Hope it's not too bad and gets sorted soon enough

[Paul_13 212 1 Cars]

Ryanstdt has a green stdt shell he's getting rid of for peanuts. If your interested i'd get hold of him quick as he'll be scrapping it soon if noone takes it. It's pretty much rust free, and if Cameron hasn't cut the front panel off it's still in one piece. It's missing front and rear bumpers and rear trims.

[grantley1988 1]

This really sucks Mate, especially after all the engine work you've done recently. Hope it's not too bad and gets sorted soon enough

 

Off topic but do you still want that loom? Its terrible! Im drowning my sorrows tonight with cider! The only plus i can see of this, is that they write it off and i can buy it back from them and transfer the good parts to a shiney white shell but we will see when i contact the woman tomorrow!

[grantley1988 1]

Ryanstdt has a green stdt shell he's getting rid of for peanuts. If your interested i'd get hold of him quick as he'll be scrapping it soon if noone takes it. It's pretty much rust free, and if Cameron hasn't cut the front panel off it's still in one piece. It's missing front and rear bumpers and rear trims.

 

If it comes to it i will hold on for a white car and transfer the new engine and bits to that. Thanks though!

[Daviewonder 533 3 Cars]

Off topic but do you still want that loom?

 

Yes Mate, didn't get a chance to nip out of work today to do the transfer. Should do tomorrow hopefully

[grantley1988 1]

Yes Mate, didn't get a chance to nip out of work today to do the transfer. Should do tomorrow hopefully

 

No worries. Can you pm me your address so i can send it off tomorrow

[lewis205cti 12]

Mate I know your pain.

Some bloke in a people carrier ploughed into my mint 205Cti after leaving Pugfest 2009. I was gutted when it was written off.

 

You could buy it back and have a new boot floor welded in then find the other replacement panels. Could be expensive, or maybe find another good 205 to put the engine in whist fighting the insurance company for a good payout. Refuse there first few valuation offers, and use Auto-Trader and other websites for valuations and examples of what it would cost to buy another 205 in the same condition as yours.

 

It might be worth speaking with the old ladies insurance company direct to see if they can’t to give you a pay out direct rather than going through your insurance too. Sound iffy but that’s what I did a white back.

 

I hope this is of some help.

[chipstick 382 1 Cars]

You insured it with the engine but failed to mention the brakes and exhaust?

 

I'l be totally honest with you, the insurance company will pull out and you will be left to foot the bill. The long and short of it is, you insurance will be invalidated.

 

Lesson is, either insure it all as it is, or you might as well not bother at all.

 

Anything like an aftrmarket set of alloys when you state it is standard is all they need to go on to avoid paying out.

 

If the assesor isn't a jobs worth he may not bother to check, but otherise I fear you may be left to pick up the bill.

 

It is usually the 'big boys' that will overlook the assesment the most, smaller companies will use anyhing they can to not pay out.

 

Ring the lady and ask to go out of insurance.

[welshpug 1,680]

I wouldnt be so worried tbh, most assesors wont have a clue about the brakes unless they are 4 pots

 

Most will not query things like aftermarket exhausts on an already modified old car, they will just walk around the car and look at the damage and general condition, they do not get underneath and poke about.

 

I am not however saying undeclared mods are ok.

 

 

 

 

A few members have experienced similar incidents recently, I remember a while 205 rallye being repaired by the insurance company, think that was allye? Just give it a good clean and make sure you have as much history and evidence of servicing to back up a decent valuation.

Edited July 5, 2011 by welshpug

[M@tt 77]

If the lady has admited responsibility then go straight to her insurance company, not yours. Don't even involve yours.

 

The details of what you have/haven't declared to your insurance compnay should have no effect on the other parties insurance company and how they deal with repairing the damage to your car.

 

Obvioulsy if the boot was on the other foot and you'd hit someone and wanted your car fixing, your insurance company would be all over it for any excuse not to pay up for your own damage so get all mods declared, its simply not worth the risk.

[grantley1988 1]

If the lady has admited responsibility then go straight to her insurance company, not yours. Don't even involve yours.

 

The details of what you have/haven't declared to your insurance compnay should have no effect on the other parties insurance company and how they deal with repairing the damage to your car.

 

Obvioulsy if the boot was on the other foot and you'd hit someone and wanted your car fixing, your insurance company would be all over it for any excuse not to pay up for your own damage so get all mods declared, its simply not worth the risk.

 

 

Thats what i would have thought. I have never been in an accident before so i do not no what to do next! I have her number, address and reg plate. I also have a witness. How do i contact her insurance company without involving mine? I tried to contact her earlier but no answer so will wait a little later on and try again.

[M@tt 77]

if you cant get hold of her then use this

 

http://www.askmid.com/askmidenquiry.aspx

[grantley1988 1]

Good news! I have found out her insurance company and she has accepted full liability. Her insurance company is liverpool victoria, They are sending out someone from vauxhall to inspect the damage.

What is likley to happen now?

[welshpug 1,680]

wait and see basically, they'll come and have a look at it price up what it'll cost to repair and compare it to its value and let you know what they reckon.

[allye 530 3 Cars]

Looks horribly familar!

 

http://forum.205gtidrivers.com/index.php?showtopic=121710&st=0&p=1095451&hl=+t**t%20+transit&fromsearch=1entry1095451

 

 

What I did was just bug the insurance company loads and say how the evaluations were a joke! There is hope.

[Miles 331 1 Cars]

At least the Vauxhall man will have no idea what should be on a 205 unless he's been around for years, The market value of the car as no doubt you know will be in the hundreds so will be written off, But keep on as for all intense of purposes she could of run into a Porsche or something like that and the repair bill would be £10,000's