Post by: r5gtt on September 21, 2016, 03:43:19 pm
Head light
o s f and near side alloy front bumper wing splitter front panel and much more suspension all over the shop wheel bearing humming left side knocking right side hand wheel bent out of wing I could cry :doh:
Post by: Charlie23 on September 21, 2016, 03:58:49 pm
What you thinking, repairable or ???? :doh:
Post by: RetroRaz on September 21, 2016, 03:59:59 pm
Sounds like a write off man
Post by: Craig Stanley on September 21, 2016, 04:18:17 pm
normal driving and some guy pulls out on me :sad1:sh*t. Sorry to hear that bud. Hope you can sort it ok.
Head light
o s f and near side alloy front bumper wing splitter front panel and much more suspension all over the shop wheel bearing humming left side knocking right side hand wheel bent out of wing I could cry :doh:
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Post by: Tanuie on September 21, 2016, 04:42:01 pm
Post by: FJ1000 on September 21, 2016, 04:46:24 pm
It's depressing when these things happen, and really stressful getting it sorted. Just think though, worse things can happen; cars can be repaired or replaced.
Did you manage to get any witnesses?
Sounds like it was his fault, so hopefully insurance won't give you too much grief.
Post by: xs2man on September 21, 2016, 05:10:07 pm
At least if it goes all 3rd party, you should be able to push for a bit more of a payout, as they have to keep you happy, so as long as you declared and kept all your mod receipts, hopefully things wont be too bad. As said above, cars are replaceable.
Post by: Gtiene on September 21, 2016, 05:10:41 pm
If it's a write of buy the car back my mate wrote his Leon off got £3000 payout and bought his car back for £300 repaired the damage for £600 and off he was driving again, or you could strip it and sell the spares plenty of people hear to take your mods ;)
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Post by: Andy on September 21, 2016, 05:37:04 pm
Post by: fab5freddy on September 21, 2016, 05:40:13 pm
Post by: AJP on September 21, 2016, 05:42:28 pm
Post by: MC71 on September 21, 2016, 05:54:18 pm
:happy2:
Post by: r5gtt on September 21, 2016, 05:57:19 pm
Post by: Flyingscotsman on September 21, 2016, 06:14:20 pm
Post by: PatchySan on September 21, 2016, 07:18:21 pm
I take this happened in the "Chaos" called Brum? Lots of nutters out there, I had someone who didn't look and verged over to my lane and bumped into my rear wheel. The thing that really grinded me is that they then insisted it was my fault! :stupid:
Post by: prp74 on September 21, 2016, 07:21:12 pm
Not good news. As long as you and any passengers are ok.
Post by: RMK87 on September 21, 2016, 07:37:20 pm
Post by: r5gtt on September 21, 2016, 08:13:04 pm
I'm okay but not feeling great. no one else was in my car thankfully no family or my baby boy :phew: wasn't even driving fast but the impact was hard.
Car doens't look too bad although there's a lot of damage to external and suspension not being right on both sides car drives wobbly now.
both wheel have taken a hit left hand side cuebed to death with alloy chunks missing off it and shame this site wasn't as easy as instagram or I would have uploaded the pictures.
front panel is cracked same with headlight broken knocking from left and bearing noise from right wing bumper splitter damaged. guessing ball joint knocking from left track rod end damage as wheels arent striaght. right hub knuckle most probably bent due to the impact. metal panel behind headlight looks attached to the inner chassis has pushed back :scared: and whatever the damaze behind the bumper.
Post by: Gmac on September 21, 2016, 08:23:53 pm
Post by: r5gtt on September 21, 2016, 10:00:12 pm
Yes the third party pulled of a blind spot behind a van which pisses me off more and then claims it was an accident :doh:
his insurance called me within the hour apologising for the accident and take full responsibility offering a hire car etc and repairs done with 5 years guarantee which is boll**** but I'm not going to go through these fu*** as I was had last time and the repair was half baked on a previous car so this time I'm going claims company who better get all the damages listed inc suspension joints bearing new front wheels etc
Post by: Lewo on September 21, 2016, 10:50:26 pm
Would be interested to hear how you get on with the claims company.
Post by: r5gtt on September 21, 2016, 11:36:07 pm
They also asked me the value ofy car and I told them I paid 6850 last year January and was asked if I had reciept as I do but doubt they'd pay out that for it?.
Post by: Shoduchi on September 22, 2016, 12:46:24 am
Post by: ducman77 on September 22, 2016, 07:26:13 am
Just gutted :sad1:
Thank god you weren't hurt
Pleased to hear his insurance company rang you and accepted responsibility though. That sounds encouraging. You can get an independent insurance assessor to assess your cars value if they play silly buggers. I've done that in the past to good effect. Cost me €400 but was money well spent. You have plenty of evidence on your build thread here of the investment you've made in the car.
Either way it's a ballache. And as said. Gutted for you :sad1:
Post by: r5gtt on September 22, 2016, 08:26:29 am
I'm just very upset that I have to go through the headache of filling out forms describing what happened and having my car de vaued because of the market value as I know what it's worth to me.
First thing find a good claims solicitor to handle the claim.
Post by: lukemk5gti on September 22, 2016, 09:34:48 am
I hope all mods are declared and that the process goes smoothly for you!
Hopefully you might even stand to gain from this.
You're well versed in stripping the car so if I were you I'd remove all aftermarket bits yourself and save what's salvageable. Maybe write off the car and get your few grand. Buy and edition 30 and retrofit your additional bits.
Could be a blessing in disguise!
Post by: xjay1337 on September 22, 2016, 09:36:40 am
Regarding the insurance I would be very careful going through a claims management company. If at any point later down the line, blame is contested and the 3rd party then says "no, it wasn't my fault" you can be liable for all the hire car charges (which are extortionately priced by the way).
Post by: bonelorry on September 22, 2016, 09:40:09 am
Hope you and everyone else involved are OK!
Keep us posted on how you get on :happy2:
Post by: Paradox1 on September 22, 2016, 09:45:12 am
Post by: r5gtt on September 22, 2016, 10:01:01 am
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Post by: Skilgannon on September 22, 2016, 12:00:03 pm
Post by: xs2man on September 22, 2016, 12:23:58 pm
thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
Post by: FJ1000 on September 22, 2016, 12:43:25 pm
thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
This sounds like good advice.
It also highlights how important it is to the end outcome to make sure it is 100% crystal clear it was the other party's fault.
@r5gtt (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=11199) did you get any witnesses? I hope so. Best to put in a call to them if you did, and just keep them onside.
The more evidence and detail you can collect and pass on to the insurers, the better.
Post by: xjay1337 on September 22, 2016, 01:22:58 pm
thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.
Post by: r5gtt on September 22, 2016, 01:48:47 pm
It's going to be very tough but I've found a few on trader £6500 7000 with same mileage 5door dsg so keeping them on file for if they write it off as I'm going to say you get me the same car with the same spec or give me my full money back and I'll go find one myself. Send them pictures of these gti prices and go from there. been to VW and the guy on parts said they'll most likely write it off from the parts list. I'm taking off thr good parts but lacking the rear lower bumper as mine broke on removing. :sad1:thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
The claims guy said I'll get the market value only but I argued that the value is a lot more and gave him my spec. so he's going to get back to me. if thr car is written off I need all parts I've fitted but he seems to think he'll get the car back too?.
Post by: r5gtt on September 22, 2016, 01:50:50 pm
Yes I have a witness and have already contacted him and he's prepared to be a witness although there's no need as the third party acknowledges full liability for thr accident so that shouldn't be an issue.thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
This sounds like good advice.
It also highlights how important it is to the end outcome to make sure it is 100% crystal clear it was the other party's fault.
@r5gtt (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=11199) did you get any witnesses? I hope so. Best to put in a call to them if you did, and just keep them onside.
The more evidence and detail you can collect and pass on to the insurers, the better.
If they write it off I can but it back??? 1^3 value?
Post by: FJ1000 on September 22, 2016, 02:03:49 pm
Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)
Post by: Lucastheone92 on September 22, 2016, 02:07:21 pm
Post by: r5gtt on September 22, 2016, 02:45:50 pm
Yes this is what i was thinking re glass or parkers damn shame I have no where to strip it if that is the case.thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.
Good stuff - push for a good repair then.That's another issue I don't want a cat d damaged motor :sad1: repairs habe to be bang on as when turning the steering I'm hearing some sort of grinding noise both left and right but mildly not major.
Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)
Really sorry to hear that mate. As everyone else has said at least your not hurt. I hope everything goes as smooth as possible regarding insurance and repair it :wink:Thank mate I hope so too.
Post by: dazza on September 22, 2016, 02:49:56 pm
Glad your ok and the insurance it going to sort it.
Post by: xs2man on September 22, 2016, 02:56:58 pm
thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.
Of course the insurers will try do low-ball the OP. And use Parkers as an initial starting point. But if you can provide evidence of the true market value of the car, then they are obliged to acknowledge this. With it being a full 3rd party incident, the OP can refuse to settle until he is happy with the outcome. Of course, he shouldn't expect more than market value, but the true market value he can expect.
And you are correct, mods will unlikely be taken into consideration, hence why he should at least attempt to strip off the mods first (well, following any inspection that may be required). Or, assuming his current policy is fully declared at a specialist insurer, with like-for-like cover and agreed valuation, then that can be used to try to squeeze out the mod money.
Yes this is what i was thinking re glass or parkers damn shame I have no where to strip it if that is the case.thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.Good stuff - push for a good repair then.That's another issue I don't want a cat d damaged motor :sad1: repairs habe to be bang on as when turning the steering I'm hearing some sort of grinding noise both left and right but mildly not major.
Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)Really sorry to hear that mate. As everyone else has said at least your not hurt. I hope everything goes as smooth as possible regarding insurance and repair it :wink:Thank mate I hope so too.
If you push for a full repair rather than a payout, then the car wont be marked as written off on the V-Car register. That is only for when a vehicle has been actually written off. So if they offer to write it off and you buy it back, then it'll be CAT D (or C depending on the extent of the damage). But if you just insist THEY repair it, it shouldn't be written off, and so shouldn't have a marker against it.
They may refuse if the cost of repair is greater than the payout though. But you don't have to accept their offer, so long as you are not unreasonable (so they wont pay out for a £15k repair bill on a £7k motor). But they would likely write it off with a £5k repair bill, where you could argue you want it fixed.
Personally, I'd strip the mods, try to squeeze as much coin as possible out of them, and then shop for an ED30 myself. Then again, this could all be for nothing, and they might actually just repair it.
Post by: r5gtt on September 22, 2016, 03:24:20 pm
Thats sh*t :sad1:Thanks dazza let's hope they do sort it out. my estimate and the dealers parts prices suggest it will be written off and they'll probably offer me 5k ish and then buy the crap back but costs of repair won't be small as I think thr rack has taken some impact through both wheels and the noise I'm hearing :sad1:
Glad your ok and the insurance it going to sort it.
Post by: r5gtt on September 22, 2016, 03:30:26 pm
I donr want to push for a repair as the left wing has also been pushed put so who knows how bad the damage is :thinking: I'd be happy with 6000k without my mods as they're coming off as I won't get the value for these items. someone has said I'll only get 4.5 to 5 k if that as the engineer can onlt go by market value so not looking good atm :doh:thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.
Of course the insurers will try do low-ball the OP. And use Parkers as an initial starting point. But if you can provide evidence of the true market value of the car, then they are obliged to acknowledge this. With it being a full 3rd party incident, the OP can refuse to settle until he is happy with the outcome. Of course, he shouldn't expect more than market value, but the true market value he can expect.
And you are correct, mods will unlikely be taken into consideration, hence why he should at least attempt to strip off the mods first (well, following any inspection that may be required). Or, assuming his current policy is fully declared at a specialist insurer, with like-for-like cover and agreed valuation, then that can be used to try to squeeze out the mod money.Yes this is what i was thinking re glass or parkers damn shame I have no where to strip it if that is the case.thsnks @bonelorry (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7168)
@Paradox1 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=9564) I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.
I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.
Good luck with getting more than market value. That's what GAP insurance is for, not regular insurance. You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that. Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).
Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off. But if the third party acknowledges full liability, then their insurance CANNOT write off your car. Only you or your insurance company can do that. So you could fight for a full repair at a place of your choosing. It might be a fight though. But remember, the car is YOUR property, and you have the right to request it to be fully repaired. Not something you can request should your insurance company be liable.
Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.Good stuff - push for a good repair then.That's another issue I don't want a cat d damaged motor :sad1: repairs habe to be bang on as when turning the steering I'm hearing some sort of grinding noise both left and right but mildly not major.
Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)Really sorry to hear that mate. As everyone else has said at least your not hurt. I hope everything goes as smooth as possible regarding insurance and repair it :wink:Thank mate I hope so too.
If you push for a full repair rather than a payout, then the car wont be marked as written off on the V-Car register. That is only for when a vehicle has been actually written off. So if they offer to write it off and you buy it back, then it'll be CAT D (or C depending on the extent of the damage). But if you just insist THEY repair it, it shouldn't be written off, and so shouldn't have a marker against it.
They may refuse if the cost of repair is greater than the payout though. But you don't have to accept their offer, so long as you are not unreasonable (so they wont pay out for a £15k repair bill on a £7k motor). But they would likely write it off with a £5k repair bill, where you could argue you want it fixed.
Personally, I'd strip the mods, try to squeeze as much coin as possible out of them, and then shop for an ED30 myself. Then again, this could all be for nothing, and they might actually just repair it.
Best thing strip mods and get as must as I can off them.
Post by: xs2man on September 22, 2016, 04:49:13 pm
Quote
but I've found a few on trader £6500 7000 with same mileage 5door dsg so keeping them on file
If you have found a few at this price (say 3 or more), then make sure to save them as PDF's or whatever (I use cutepdf to save web pages personally, but newer windows versions have a save to pdf included now), and print them out as evidence (if you can get them to print with current date, even better). That should be enough proof as to what the actual market value of your car is. Check pistonheads and gumtree too for further evidence.
With a car like the GTI, Parkers and the like often greatly under-estimates the true market value. If you can prove that the market value, on a very similar car, is substantially higher, then you should have a decent case. If you can find them closer to you, rather than national, even better. Although you might be expected to travel farther for such a particular car, compared to the likes of a 1.6 Focus, which should be able to be picked up anywhere really.
Either way, I doubt you'll have much luck submitting a purchase receipt that's 15 months old and ask for your money back. But if you find current examples similar to yours, at these sorts of prices, then you have a much stronger case.
Post by: Rampage on September 22, 2016, 05:27:35 pm
Make sure you take plenty of ibuprofen as an anti-inflammatory, whiplash injuries can take upto a week to surface!
My 1st Mk5 gti had only 18k dry miles and was still as new when it was written off when a car t-boned me. Car was written off and the insurance tried to low ball me. I fought my corner and provided lots of examples of similar cars at the time. I ended up getting the offer upped... I even made a profit! Which went towards upgrading to my current ED30 :happy2:
Fight your corner pal and look after your health! Let me know if you need any help mate :happy2:
Post by: r5gtt on September 22, 2016, 07:33:50 pm
This isn't going to work as the claims guy is saying I'll only get the current value??? I'm finding it difficult to plaster into his brain that my car's market value is worth more than he tried to pull one on me over. 4500 to 5k rubbish so he went online and I showed him a 6500k one but he's being funny about that?.Quotebut I've found a few on trader £6500 7000 with same mileage 5door dsg so keeping them on file
If you have found a few at this price (say 3 or more), then make sure to save them as PDF's or whatever (I use cutepdf to save web pages personally, but newer windows versions have a save to pdf included now), and print them out as evidence (if you can get them to print with current date, even better). That should be enough proof as to what the actual market value of your car is. Check pistonheads and gumtree too for further evidence.
With a car like the GTI, Parkers and the like often greatly under-estimates the true market value. If you can prove that the market value, on a very similar car, is substantially higher, then you should have a decent case. If you can find them closer to you, rather than national, even better. Although you might be expected to travel farther for such a particular car, compared to the likes of a 1.6 Focus, which should be able to be picked up anywhere really.
Either way, I doubt you'll have much luck submitting a purchase receipt that's 15 months old and ask for your money back. But if you find current examples similar to yours, at these sorts of prices, then you have a much stronger case.
Post by: r5gtt on September 22, 2016, 07:40:13 pm
Really sorry to hear your bad news mate! You were just getting the car how you wanted it... always the way :sad1:Cheers much appreciated. :smiley: I'm taking loads of pain killers atm.
Make sure you take plenty of ibuprofen as an anti-inflammatory, whiplash injuries can take upto a week to surface!
My 1st Mk5 gti had only 18k dry miles and was still as new when it was written off when a car t-boned me. Car was written off and the insurance tried to low ball me. I fought my corner and provided lots of examples of similar cars at the time. I ended up getting the offer upped... I even made a profit! Which went towards upgrading to my current ED30 :happy2:
Fight your corner pal and look after your health! Let me know if you need any help mate :happy2:
Problem here now is the claims guy said his engineer can only push for thr current market value which looks to be around 6000k ish but I know they're f*ckers for trying to bullsh*t us to keep more of the cash to them selves the selfish barstuards :fighting2:
They're all saying similar crap and I'm worried ad what to do as insurance will do a sh*te repair and I know there's bigger issues thsn anticipated or can be seen from just a picture on the cosmetic side.
Post by: grey golfster on September 22, 2016, 07:48:53 pm
Some really interesting/useful info above fellas - thanks.
However, wrt insurance, in my 30+ yrs of motoring - bend over and grit your teeth, because I'm sorry but...you're going to be shafted!
Post by: AJP on September 22, 2016, 08:41:10 pm
Anyway, hopefully you get a result somewhere close to what you're happy with. It's been said loads already but at least it was the car that took the most damage and not you. When you take a step back and look at things it's only metal. It can be replaced.
Another sh*tty cliché to brighten your day: Everything happens for a reason. Or maybe a better way of putting it is that unexpected opportunities often spring up from sh*t situations. Try and turn things to your advantage, if you think there might be a way of doing so.
Post by: xs2man on September 22, 2016, 08:49:02 pm
This isn't going to work as the claims guy is saying I'll only get the current value??? I'm finding it difficult to plaster into his brain that my car's market value is worth more than he tried to pull one on me over. 4500 to 5k rubbish so he went online and I showed him a 6500k one but he's being funny about that?.
It's not the claims guy who decides what the insurance will pay out though. He can give his opinion on where the market is. You can prove where it really is, with actual examples of the market. They have an obligation to put you back to where you were, and if that costs £6k rather than £4.5k, it's on them to prove otherwise. And at the end of the day, you don't "have" to settle on whatever they offer you.
I've done it before. Been offered £3k on a written off car, prove the market value for replacement was £5k, get original offer upped substantially. Sure, you might not get the full £6500, but you should get very close to it if you push it hard enough. Just remember, you are not dealing with YOUR insurance company here, who CAN play hardball. It is the third party insurance people, and they are meant to be pleasing YOU as it isn't your policy being claimed on.
Post by: r5gtt on September 22, 2016, 09:29:11 pm
Very sorry to hear of this; bad luck - but glad you're probably not too bad physically? Even better that the family didn't have to go thru it too.Thanks mate I'll be fine :smiley:
Some really interesting/useful info above fellas - thanks.
However, wrt insurance, in my 30+ yrs of motoring - bend over and grit your teeth, because I'm sorry but...you're going to be shafted!
And seriously glad my family weren't in the car thanks again
That's what I'm thinking but going through a claim company so hopefully not too hard :signLOL:
Post by: r5gtt on September 22, 2016, 09:39:59 pm
Cheers @xs2man (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=16769) I'll push for more depending on what they say as I'm mot settling for peanuts as you're right it's the third party who has to keep me happy or thr claim goes through the roof with charges from the solicitors and claims company?This isn't going to work as the claims guy is saying I'll only get the current value??? I'm finding it difficult to plaster into his brain that my car's market value is worth more than he tried to pull one on me over. 4500 to 5k rubbish so he went online and I showed him a 6500k one but he's being funny about that?.
It's not the claims guy who decides what the insurance will pay out though. He can give his opinion on where the market is. You can prove where it really is, with actual examples of the market. They have an obligation to put you back to where you were, and if that costs £6k rather than £4.5k, it's on them to prove otherwise. And at the end of the day, you don't "have" to settle on whatever they offer you.
I've done it before. Been offered £3k on a written off car, prove the market value for replacement was £5k, get original offer upped substantially. Sure, you might not get the full £6500, but you should get very close to it if you push it hard enough. Just remember, you are not dealing with YOUR insurance company here, who CAN play hardball. It is the third party insurance people, and they are meant to be pleasing YOU as it isn't your policy being claimed on.
Post by: ducman77 on September 22, 2016, 10:24:44 pm
Post by: r5gtt on September 22, 2016, 10:39:36 pm
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Post by: raz469 on September 22, 2016, 10:58:19 pm
Post by: raz469 on September 22, 2016, 10:59:08 pm
Post by: r5gtt on September 22, 2016, 11:10:54 pm
Post by: TAPPY on September 22, 2016, 11:43:56 pm
Post by: r5gtt on September 23, 2016, 12:05:34 am
Post by: Talidan on September 23, 2016, 12:21:27 am
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Post by: r5gtt on September 23, 2016, 08:47:09 am
Metal can be replaced you can't, hope your staying in the mk5 world on a lighter note when you get payed out that's a cheap car won't stand you at much less than 1k to put that right !Very true as others have said.
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It s shame I'm having to go through this as I don't really need this right now. I hate being invloved in a collision when someone else had been negligent causing me the stresses of having to sort my car insurance out as I no longer have faith in the insurance repair system after working at a crash repair shop and seeing how they butcher cars together :surprised: even brand new 65 plates well not new but new enough. :scared: and when my tt was repaired years back even the insurance ombudsman through it out the window after fighting for a 1 and a half.
mine will cost a lot more than a 1k as you put it as I know what's damaged on the car to some extent unless I source these parts dirt cheap imho. no idea what's gone on behind the bumper till it comes off and if thr subframe has taken a hit as the curb side was hit hard too.
Post by: r5gtt on September 23, 2016, 12:22:45 pm
Just go steady with the painkillers by the way mate. Ibuprofen is bad for your guts, and paracetamol is bad for your liver. Pay attention to dosage, especially paracetamol.Ths ks @AJP (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=11926) I've not been guzzling the pain killers down thanks mate.
Anyway, hopefully you get a result somewhere close to what you're happy with. It's been said loads already but at least it was the car that took the most damage and not you. When you take a step back and look at things it's only metal. It can be replaced.
Another sh*tty cliché to brighten your day: Everything happens for a reason. Or maybe a better way of putting it is that unexpected opportunities often spring up from sh*t situations. Try and turn things to your advantage, if you think there might be a way of doing so.
Also what you said about being a piece of metal yes it is but there comes many obstacles and stress due to insurance claims blah di blah blah :sick:
True this might be to my advantage and I think the Lord has blessed me and I'll get something out of this hopefully although I don't fancy thr stress of it all.
Post by: Andy on September 23, 2016, 12:51:33 pm
Post by: r5gtt on September 23, 2016, 01:16:07 pm
Think the stress is the worst part and having to fight to get the value of the car payed to youIt most definitely is mate I hate it.
Post by: Lucastheone92 on September 23, 2016, 01:39:23 pm
Post by: r5gtt on September 23, 2016, 02:25:12 pm
Post by: unzippy on September 23, 2016, 02:55:55 pm
I will do mate but sadly didn't want to tell everyone my car's been on an accident as to me it WAS mint :sad1:
Bit late now :wink:
Post by: r5gtt on September 23, 2016, 03:03:40 pm
I'm sure it will turn out ok, chin up.I didn't have to but it doesn't matter as it's my car and if I even get it back then I'll keep it for a while.I will do mate but sadly didn't want to tell everyone my car's been on an accident as to me it WAS mint :sad1:
Bit late now :wink:
Post by: Lewo on September 23, 2016, 06:30:53 pm
Of course your car value is much more than mine was but don't discount buying it back if you can buy it for not much money and you think it can be repaired safely and easily enough. You could end up with a decent car and money n your pocket. :smiley:
Post by: r5gtt on September 23, 2016, 07:39:22 pm
I've tried to be as honest as I can with the claims handler and guess what, the guys trying to pull a fast one on me saying if the cars a repair then he gets the cheque and sent it directly to again bull**** I get paid out; BUT I have to prove where the money is being spent ie the repairs cough cough bull****.
Can't request anyone anymore :sad1:
dealers insurance and everyone wants to F us over f f s :slap:
Post by: Lewo on September 23, 2016, 07:47:10 pm
I just wondered how much they would value yours at scrap value, if that was the unfortunate way things turned out?
Post by: r5gtt on September 23, 2016, 08:16:46 pm
My car was under a grand mate, so different ball game for you!I am not sure about that so will need to wait for the assessment and I'd I find a decent claims company as they all seem to be saying the same thing about market value but nt really willing to fight my corner even when they say they will.
I just wondered how much they would value yours at scrap value, if that was the unfortunate way things turned out?
Post by: SiimpleHarry on September 23, 2016, 11:23:44 pm
Post by: r5gtt on September 23, 2016, 11:43:28 pm
What's CAP mate as I've never heard of it and you haven't specified what age vehicle or spec to get this pricing and also when it happened as prices are quite cheap for some but with tartan seats and other basics.
Mine is a late 55 reg November dsg with full black leather 5 door was in immaculate condition pre accident and sadly now a banger in my eyes as it's been crashed damaged :doh:
Post by: SiimpleHarry on September 26, 2016, 05:19:50 pm
CAP is just another company that insurance companies use to find the market value of the car. I am unable to find the section on their website which offers paid valuations (i.e. custom valuations) which I used (http://www.cap.co.uk/car-valuation), but your insurance company should do it on request.
Also its still worth trying the glass valuation and add in your option extras. http://www.glass.co.uk/valuations. I've heard Parkers is also an accepted valuation scheme http://www.parkers.co.uk/cars/prices/used/ .
Post by: r5gtt on September 26, 2016, 06:19:19 pm
2013 the gti was around 6000 for a bog standard base car and the fully loaded one was 6750 as someone gave me some old claims info to view and I'm just worried the prices have plumitted since then so probably looking at 4500 for the car by the looks of things if at all.
Post by: xs2man on September 26, 2016, 06:28:25 pm
If you have a few examples that are similar to yours, at whatever price, then that is the market value, as they are for sale on the market. I would be hoping to get within £500 of their values, as that is roughly what you could reasonably expect to negotiate for them.
Post by: r5gtt on September 26, 2016, 07:25:11 pm
Post by: mart. on September 26, 2016, 08:10:02 pm
Post by: r5gtt on September 26, 2016, 08:17:47 pm
Another thing is that was your company not thr third party insurer as mine and I've already told them what o paid for it and they asked if I had a reciept of thr purchase price which I do so I'd like to see what happens in my case as I know if I push I could probably get closer to 5k but that's me hoping lol
Post by: r5gtt on September 26, 2016, 08:19:31 pm
2005 dsg leather seats 5door actually my car registration lol
Guide * Adjusted
Original PriceMore info£21,825 £???
Franchised DealerMore info£4,720 £???
Independent DealerMore info£4,085 £???
Private GoodMore info£3,500 £???
Private PoorMore info£2,310 £???
Part ExchangeMore info£2,550 £???
Post by: r5gtt on September 26, 2016, 08:36:33 pm
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Post by: mart. on September 26, 2016, 08:40:10 pm
Post by: r5gtt on September 26, 2016, 08:48:42 pm
Sorry about that. I managed to get another £800 added to the initial offer but they wouldn't budge after that. I paid for my own valuations and they were pretty much in line with the offer but not what I can actually buy one for which is the thing they seem to be unable to grasp and was the most frustrating part.You just wanna fu***** throttle the Barstuards is what I'm thinking mate. You can't win with thr insurance or ombudsman regardless of how much you try as they alway side with the insurance and other but never with the insured who's just lost his/her pride and joy :fighting:
Post by: r5gtt on September 26, 2016, 08:52:18 pm
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Post by: r5gtt on September 26, 2016, 09:03:54 pm
Post by: xjay1337 on September 27, 2016, 08:08:06 am
Good luck with the insurance company. I went through this 6 months ago with a focus ST and my own insurance company were only interested in 'market value' which unfortunately is based on Cap and glass valuations which are industry recognised based on sale price not advertised price. They were significantly lower than what cars were advertised at but you aren't Allowed to use adverts because that isn't what the car sells for. I escalated to the ombudsman and they are only bound by the 2 valutations above. And therefore wouldn't uphold my complaint about the value being around £1k lower. I ended up being quite a bit out of pocket. I kid you not the man from the ombudsman told me to go and negotiate £1500-2000 from the price of a car!
Did you tell your insurer if they could source a replacement car for the price they were offering?
I am very surprised the ombudsman didn't uphold your complaint if it was under-valued.
Post by: grey golfster on September 27, 2016, 10:53:25 am
I've often wondered if this approach might work - like you see on the TV ads for home insurance...
Any one tried?
Post by: Johnsy on September 27, 2016, 10:59:42 am
Post by: mart. on September 27, 2016, 11:39:57 am
Post by: r5gtt on September 27, 2016, 01:00:51 pm
Post by: r5gtt on September 27, 2016, 07:20:46 pm
This is the email I received below.
During our recent conversation, we offered you a replacement car. We advised you we could get a 2ltr Volkswagen Golf at a cost of £26.11 per day payable by us – free to you.
We understand you are hiring on a credit hire basis which costs exceed those we would otherwise pay. This means any costs not recovered from us, you must pay under the terms and conditions of the contract you signed.
You have a legal duty to keep your losses to a minimum. We must also warn that any hire charges from today's date are your own responsibility.
We can still offer you a suitable replacement vehicle. If you cannot get the same offer elsewhere, it seems you should accept our offer to meet your legal duty to mitigate your losses. You can keep the hire car you have if you wish, but we repeat this will be at your own expense.
If necessary, we may bring this letter to the court’s attention in any future proceedings.
Post by: mart. on September 27, 2016, 07:24:11 pm
Post by: r5gtt on September 27, 2016, 08:10:13 pm
I'll print out this email and take it with me but I'm confident the claims guys will deal with crap like this.
Post by: Trow81 on September 27, 2016, 11:39:49 pm
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Post by: r5gtt on September 28, 2016, 11:50:48 am
just going to the claims company now and see what Tey have to say.
Post by: r5gtt on September 28, 2016, 03:32:22 pm
Now to wait and see what happens. :scared:
Post by: AJP on September 28, 2016, 06:19:48 pm
Cars gone to the claims company and they've given me a Passat :sick: but dsg so guess I can't complain too much :smiley:Good luck with it pal. This all sounds mega stressful
Now to wait and see what happens. :scared:
It must seem a million miles away right now, but the day will eventually come when it's all sorted. Just really sh*t for you to have to go through such a headache to get there. I've always said it - insurance companies belong in the wild west.
Post by: r5gtt on September 28, 2016, 06:42:52 pm
Post by: Charlie23 on September 30, 2016, 02:55:17 pm
Post by: r5gtt on September 30, 2016, 05:28:52 pm
Waiting to hear back now.
Post by: r5gtt on October 17, 2016, 11:55:27 pm
The claims company have gone behind my back and getting the car repaired but that's not the problem!. Problem being they were meant to show me the report so that I can agree to what's damaged or add anything if needed but they've been stalling me not answering the phone or giving me straight forward answer to the question as to where's the report and I want to see it and make sure everything has been put down before the solicitor sends it to the third party insurer for clarification.
My last car was poorly repaired by insurance repairers and I don't want that to happen again and working in this field I know how they cut corners and glue things together and let the customer take the car and have issues later on.
Can I ask to get the car repaired myself and get the report sent to me.
thanks
Post by: Flyingscotsman on October 18, 2016, 08:25:13 am
Post by: r5gtt on October 18, 2016, 12:30:06 pm
Called the solicitor up and she said she'll have a word with her director when I told her this claim company are keeping me in the dark about the car being a total loss or repair and she has given me the report which doesn't state alloy damage suspension damage and geometry out.
Spoke to the claim company who is trying to say they get the car repaired and I stopped him and said I told you that I'll get the car repaired from someone I trust as my last car was poorly repaired so make sure he calls me back today to confirm this as I'm not having anyone repair my car but my repairer. He's trying to say I signed something and I said you did it was formalities and just to say they can process my claim and nothing more.
They're trying it on.
Post by: Flyingscotsman on October 18, 2016, 12:37:00 pm
Post by: r5gtt on October 18, 2016, 01:37:06 pm
Post by: ducman77 on October 18, 2016, 01:54:59 pm
Not fair at all :sad1:
As advised by Flyingscots man - try and keep a note of the names, times and dates when u talk to them on the phone and then e-mail them back with your own synopsis of the conversation!
Post by: xs2man on October 18, 2016, 03:22:29 pm
Post by: lukemk5gti on October 18, 2016, 03:24:17 pm
Get a call recording app for your phone. Mine is set to record everything, so I usually have to delete a LOT of recordings. But the recordings I don't delete are uploaded to the cloud to be recalled when needed. Then they can say what they like as you have a record of everything.
What app is that?
Post by: r5gtt on October 18, 2016, 04:10:34 pm
Post by: Flyingscotsman on October 18, 2016, 04:24:05 pm
I know I keep banging on about having it in writing, but this is because if you have a written record then they don't have a leg to stand on if it ever got to the stage of you taking them to the small claims court after a non-satisfactory repair.
Post by: Paradox1 on October 18, 2016, 04:25:07 pm
Post by: r5gtt on October 18, 2016, 04:28:39 pm
I've typed up something and will send it on to them as they are taking the piss and saying they did not say I'd be able to have my car repaired at the repairer of my choice. Barstools :fighting:
Post by: r5gtt on October 18, 2016, 04:43:25 pm
Dear bleep and the Director of bleep claims
I am emailing you with regards to the repairs of my vehicle registration mark bleep Volkswagen Golf GTI as discussed on the 18th October 2016 @ 11.16am.
I am not happy with Bleep choosing a garage to repair my vehicle and would be happier choosing someone who I think would be suitable in carrying out the repair work.
As your client I have asked you for the engineers report many times which you state that you do not have and will need to get this from the solicitors who have told me that you have the report and sent it to them to pass onto the third party insurer.
I cannot understand why you've not disclosed this information as it is my right to know what is going on as your client.
We previously discussed that any repairs will be carried out by someone of my choice at the date of signing the documents and before I allow you take on my claim and the engineers report of the damage will be shown to me before it is sent off to the solicitors so we can amend any missing damage.
I again confirm that the repairs to my vehicle if it is to be repaired should only be carried out by someone that I authorise to carry out the work and not "Bleep" or its authorised repair shop.
I also mentioned to you of a previous car I owned and had repaired in 2013 through approved insurance repairer that went wrong so that you were aware of my condition for allowing you to take on my claim and not to repair my vehicle if repairable and if a total loss then let me know either way but you have still failed to notify me of this after numerous calls to your office.
Kind regards
Post by: r5gtt on October 18, 2016, 04:52:35 pm
Sorry to hear of this stress r5 buddy!Cheers @ducman77 (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=7463)
Not fair at all :sad1:
As advised by Flyingscots man - try and keep a note of the names, times and dates when u talk to them on the phone and then e-mail them back with your own synopsis of the conversation!
Get a call recording app for your phone. Mine is set to record everything, so I usually have to delete a LOT of recordings. But the recordings I don't delete are uploaded to the cloud to be recalled when needed. Then they can say what they like as you have a record of everything.shot I should have done that as these iPhone 6 Plus doesn't record phone calls :doh:
@xs2man (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=16769) thanks
Post by: xs2man on October 18, 2016, 06:23:01 pm
Get a call recording app for your phone. Mine is set to record everything, so I usually have to delete a LOT of recordings. But the recordings I don't delete are uploaded to the cloud to be recalled when needed. Then they can say what they like as you have a record of everything.
What app is that?
Sorry, I'm offshore just now, so I don't have access to my phone (stupid Norwegians). But, if I remember, I'll post up when I get back.
Post by: r5gtt on October 18, 2016, 07:03:41 pm
They cant do it without you signing a sheg load of paperwork......i don't know mate I've spoken to the guy and he's talking bull about our verbal agreement which I should have got written down on paper and signed but had the baby with me and totally forgot to do that.
Will have to wait and see what happens now :thinking:
Post by: ducman77 on October 18, 2016, 08:09:18 pm
Is this too much as I'm sh*t at this lol
Dear bleep and the Director of bleep claims
I am emailing you with regards to the repairs of my vehicle registration mark bleep Volkswagen Golf GTI as discussed on the 18th October 2016 @ 11.16am.
I am not happy with Bleep choosing a garage to repair my vehicle and would be happier choosing someone who I think would be suitable in carrying out the repair work.
As your client I have asked you for the engineers report many times which you state that you do not have and will need to get this from the solicitors who have told me that you have the report and sent it to them to pass onto the third party insurer.
I cannot understand why you've not disclosed this information as it is my right to know what is going on as your client.
We previously discussed that any repairs will be carried out by someone of my choice at the date of signing the documents and before I allow you take on my claim and the engineers report of the damage will be shown to me before it is sent off to the solicitors so we can amend any missing damage.
I again confirm that the repairs to my vehicle if it is to be repaired should only be carried out by someone that I authorise to carry out the work and not "Bleep" or its authorised repair shop.
I also mentioned to you of a previous car I owned and had repaired in 2013 through approved insurance repairer that went wrong so that you were aware of my condition for allowing you to take on my claim and not to repair my vehicle if repairable and if a total loss then let me know either way but you have still failed to notify me of this after numerous calls to your office.
Kind regards
Seems a good letter to me buddy. Have at it :happy2:
Post by: Flyingscotsman on October 18, 2016, 09:31:01 pm
Seems a good letter to me buddy. :happy2:
+1
Post by: r5gtt on October 18, 2016, 11:14:42 pm
Really winding me up but I stick to my words as the truth always prevails but sadly didn't get any of it on tape.
Post by: Flyingscotsman on October 19, 2016, 07:08:41 pm
Unless that was clearly and unambiguously stated you can still get them on unfair contract terms.
Post by: irish_ram on October 19, 2016, 07:41:01 pm
Hope you get everything sorted. I see you mentioned you had back ache, have you had a doctor check you out as sometimes back and neck problems can not be felt for days or seem like just an ache when in actual fact it is something serious
Post by: r5gtt on October 19, 2016, 11:08:10 pm
Stick to your guns! My advice is keep everything in writing from now on. If no reply then follow up with recorded delivery letters including copies of previous letters mails etc. Then it is up to them to prove in writing that you have signed something allowing them to get it repaired at their choice of garage. Hopefully that was not in small print of anything you signed.thanks @Flyingscotsman (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=11430) I think I've got them by the balls now as they've missed the alloy suspension and left wing damage. I've got the report and it's not in there. Called the engineers up today and he couldn't get a look on the left hand side as the car was too close to the fence and said if that's the case then the cars a write off but I need them to send the pictures of the damage which they didn't do. I've sent images to the solicitor and she is now making sure this gets dealt with and will watch the case carefully so here's hoping these twats don't touch my car with bodge job repairs after lying to me and hiding the report from me.
Unless that was clearly and unambiguously stated you can still get them on unfair contract terms.
Just seen this and sorry to hear this happened but as most say you were okay. Just looking at the pic of the crash had me cringing so can imagine how gutted you felt when happened.Hi mate thanks for the message mate, I'm dying inside as my car was a minter and now it's not :sad1:
Hope you get everything sorted. I see you mentioned you had back ache, have you had a doctor check you out as sometimes back and neck problems can not be felt for days or seem like just an ache when in actual fact it is something serious
I've been to the hospital and he said it's nothing to worry about and I also have an inflamed shoulder but these will settle down.
It's actually getting worse and I have to keep on moving around like a fidget to get comfortable TBH I'm not enjoying it. Going to get some physiotherapy so hopefully get better with that real soon as I didn't think it'll last this long.
@irish_ram (http://www.mk5golfgti.co.uk/forum/index.php?action=profile;u=8964)
Post by: Ninja on October 24, 2016, 10:16:44 pm
Post by: r5gtt on October 25, 2016, 02:36:05 am
Post by: Ninja on October 25, 2016, 06:36:48 am
Keep on at them though, their job is to save money do forget, so they'll be doing all they can to mitigate loss and cut costs.
Post by: r5gtt on October 25, 2016, 02:17:35 pm
Post by: unzippy on December 17, 2016, 09:54:09 am
Crazy!
Where you up to now?
Post by: r5gtt on December 17, 2016, 01:53:34 pm
Claims been resolved after the claim company trying to get clever after agreeing to allow me to repair my own car, repair value was £3.800 and not recorded but I had a dispute with the claim guy who wanted to get my car repaired through them when we agreed I'd get that done so wasn't going to release payment or car to me
So o contacted the engineer and told him he missed some damage which then wrote the car off as cat D Cheeky so n so's tried it on but I got the better of them.
£4900 for the car on a cat D and they took £900 for the salvage value which leaves me with £4k to get my car back to how it was which isn't as easy as I though it would be.
Got the parts, fitted the steering rack which was priority and just need to fit the rest on and go for a paint job.
Post by: unzippy on December 19, 2016, 12:15:57 pm
Post by: r5gtt on December 19, 2016, 02:07:36 pm
Cheers
Post by: spwd on December 19, 2016, 03:01:19 pm
Post by: r5gtt on December 19, 2016, 03:25:16 pm
Well lesson learned don't trust an Asian claims company unless it's all in writing :signLOL:
Post by: RetroRaz on December 19, 2016, 04:30:27 pm
Thank you spwd, it was a nightmare and I would have been at a loss if I didn't contact the engineer as he was clueless as to what was going on and why the claim co didn't give them the full facts and damage photos!.
Well lesson learned don't trust an Asian claims company unless it's all in writing :signLOL:
Are you going through ASK who i recommended? or through the claims company they use, cant remember the name
Post by: r5gtt on December 19, 2016, 06:50:07 pm
nah used someone my nephews mate recommended but they all bullsh*t you tbh.Thank you spwd, it was a nightmare and I would have been at a loss if I didn't contact the engineer as he was clueless as to what was going on and why the claim co didn't give them the full facts and damage photos!.
Well lesson learned don't trust an Asian claims company unless it's all in writing :signLOL:
Are you going through ASK who i recommended? or through the claims company they use, cant remember the name
Post by: Dan_FR on December 20, 2016, 07:43:36 am
Not a bad result in the end though. I wouldn't mind a payout like that for mine :signLOL:
Post by: r5gtt on December 20, 2016, 12:52:12 pm
I've done claims company before many years ago. Absolutely no benefit over going through your own insurance company. End result is the same and all a claims company is interested in is their pay-out, not you.ywah it's not a pretty picture when you think about it logically Dan, they want to screw driver you out of everything but I got very lucky as I contacted the engineer and got him to add the missing damage to then write it off and what a result that was. :jumping: solicitor forwarded the cheque directly to me as I told her what the claims company was doing so again result. It was a nice tidy sum but all gone now after getting carried away buying crap for the car :doh:
Not a bad result in the end though. I wouldn't mind a payout like that for mine :signLOL: