161 replies to this topic

[minimk1cooper850]

Thing is this arrangement happend through my dad and his dad, the deal is done so I've got the £500 and a smashed up mini -.- and in my mind it wasn't my fault (he should of kept his distance), I think he thinks that it was my fault for braking but even if I did an emergancy stop!! His dad thinks it was my my fault too but he should of been able to brake in time with his modern car with abs and kept his distance ofcourse.

my sister was going up to a round about and a woman was in front of her the woman slamed on her brakes EVEN THO THERE WAS NO RASON TO IT WAS EMPTY ROUNDABOUT"! but still she had to fork out alot to get it fixed as by law if uyou go into the back of another driver it is automaticly your fault you should have left enough room to be able to not hit them under hard braking
(:
to be honest my boss crashed my motor bike ... he has payed for it but i know how hard it is saying about the damage and every thing but i hada just do it ... how else wuld the bike be fixed or you car be fixed, if he gota new car he can afford it
GAZ

[leigh21]

Mate im really gutted for you! that looked like a minter!! Seriously why should you suffer because your mate is irresponsible behind the wheel. Get it fixed thro' his insurance dont sell it!!!!!!!!!!!!!

[E.L.M.O]

So what if your dad did a deal with his dad?! Its your car isnt it?
I would just give them the £500 back and say pay for the car to be repaired to the condition it was in before the crash, or they can go through the insurance. there the only options I would give. £500.... I think you have been done! I would be insulted.

[brianmini]

Just seen the pic now, images are blocked where I was.

Thats a massive amount of work, to put it into context. 1995-ish I had my first rear ender, a dearie in her Sierra ran into my Escort, at less than 5mph due to black ice, she dented (just dented) my bumper and rear valance. That cost £550 to put right on the insurance.

Looking at your damage I'd say complete right off as far as the insurance firm is concerned. I got head on'd by a drunk driver in my mini, but I swerved away from them so sustained only a dented wing and scraped door and a slightly bent track rod and the insurance company wanted to right the car off on the spot, took 3 months of fighting with them to fix it.

If your competent with a welder then i'd ask your mates dad for at least £2k to cover parts and your own time. Then buy a snotter mini for under £1k to run about in while you rip your car apart. Looks like your going to need complete rear panel, valance, bootlid, arches, lights. Thats the obvious stuff, you might need boot floor repairs and a new subframe too depending how pushed in the back of the car is.

[dave21478]

Stop *melonsing* about with this "mate" business - he is happily screwing you over. to hell with what he or his dad think, and if your own dad is happy to go along wih this, to hell with him too.

ACT NOW. You must report the accident to your insurers as soon as reasonably possible. Any dicking about with delays will make thing look very suspicious.
Report the accident, state the facts, let the insurers deal with it.
You are not a child - you are fully capable of sorting this out for yourself. Stand up for yourself and dont give up untill you get what you want, and what you are entitled to.

[THE STIG]

its alright everyone saying to go through insurance but they will write the car off due to it being beyond ecomnollical repair unless you have a agreed value ,and will get offered peanuts for it if wriiten off

have repaired worse ,but £500 no where near enough for a garage repair

Edited by THE STIG, 13 May 2009 - 12:44 PM.

[dave21478]

so what if they do write it off?
1 - as a non-fault claim, he has the right to have it repaired to pre-accident condition.
2 - if they do write it off, he could choose to accept the payout, buy back the car and repair it himself, with enough money to do so.

Edited by dave21478, 13 May 2009 - 12:44 PM.

[THE STIG]

so what if they do write it off?
1 - as a non-fault claim, he has the right to have it repaired to pre-accident condition.
2 - if they do write it off, he could choose to accept the payout, buy back the car and repair it himself, with enough money to do so.

1 they wont spent a few grand to repair it

2 it will then be on the register meaning wont be worth half of original price, and not all insurance companys let you buy the salvage

Edited by THE STIG, 13 May 2009 - 12:50 PM.

[sazal]

If my mate did that then gave me £500 to fix it, they wouldnt be my mate anymore!

[dave21478]

so what if they do write it off?
1 - as a non-fault claim, he has the right to have it repaired to pre-accident condition.
2 - if they do write it off, he could choose to accept the payout, buy back the car and repair it himself, with enough money to do so.

1 they wont spent a few grand to repair it

2 it will then be on the register meaning wont be worth half of original price, and not all insurance companys let you buy the salvage

As a non-fault cleim, he has the legal right to have it repaired, regardless of cost, if he so chooses.

What would you rather have - a repaired Cat C/D car that may be worth slightly less ( half is rubbish) or a wrecked car you are not able to fix and £500?

[Ouster]

Sounds like you were both driving a bit foolishly. Him for tailgating, you for braking harshly. Sudden actions on the road cause accidents.

[brianmini]

so what if they do write it off?
1 - as a non-fault claim, he has the right to have it repaired to pre-accident condition.
2 - if they do write it off, he could choose to accept the payout, buy back the car and repair it himself, with enough money to do so.

1 they wont spent a few grand to repair it

2 it will then be on the register meaning wont be worth half of original price, and not all insurance companys let you buy the salvage

As a non-fault cleim, he has the legal right to have it repaired, regardless of cost, if he so chooses.

What would you rather have - a repaired Cat C/D car that may be worth slightly less ( half is rubbish) or a wrecked car you are not able to fix and £500?

Not sure how that pans out in the "real" world though. I had a non-fault claim on the drunk driver that hit me and my car was very nearly written off, ended up giving up with chasing for his insurance and went through my own. And my car cost a great deal less to repair than this guys is, and it was a good few years ago when my car was worth more.

[THE STIG]

so what if they do write it off?
1 - as a non-fault claim, he has the right to have it repaired to pre-accident condition.
2 - if they do write it off, he could choose to accept the payout, buy back the car and repair it himself, with enough money to do so.

1 they wont spent a few grand to repair it

2 it will then be on the register meaning wont be worth half of original price, and not all insurance companys let you buy the salvage

As a non-fault cleim, he has the legal right to have it repaired, regardless of cost, if he so chooses.

What would you rather have - a repaired Cat C/D car that may be worth slightly less ( half is rubbish) or a wrecked car you are not able to fix and £500?

he may have the legal right but this is insurance companys you talking about

would rather the idiot who did it sorted it out or would go through insurance take money and buy another car but i have a agreed valuation so would not lose out

but all this is off toic and irelivent just pointing out that they will write it off and unless he has a agreed valve will have a hard time getting it fixed throught the insurance

Edited by THE STIG, 13 May 2009 - 12:59 PM.

[Lukie-J]

The car's almost certainly a write-off.
A friend of mine backed into my car on his driveway.
Was only a slight dent along the seam on the rear corner and that cost me £200 even at mate's rates! (got quoted £700 from a top body shop)
He payed up the £200 and a crate of beer!
We have a laugh about it now but I know how you feel.
It's kinda weird sometimes talking to your mates about serious stuff like this but if you're old enough to drive you should be mature enough to deal with stuff like this.
IF you decide to do it without the insurance then make sure he knows that you're not trying to rip him off!
Get him to drive you around to places to get quotes. He owes you that and that way he'll know you're not making it up.
or, Tell him you'll leave it up to him to sort out - but you want it exactly how it was.
The thing is, if he doesn't know about minis (and by offering £500, i'm guessing he doesn't!) then he probably doesn't realise how much effort it's gunna take to get it right, finding the parts, finding someone to fix it etc.
Or tell him he can buy the car off you for what you payed for it and he's welcome to sell it and see how much he gets? that way he sees how much damage he really has done?
The car will be worth more if it's undeclared.
Sorry if I have repeated what other people have said but having being in a similar situation myself, I can understand.
I have big respect for my mate because, as the car wasn't on the road (and he wasn't driving his car either) he could have refused to pay it.
Hope you get it sorted, and you can stil be friends!!

[dave21478]

so what if they do write it off?
1 - as a non-fault claim, he has the right to have it repaired to pre-accident condition.
2 - if they do write it off, he could choose to accept the payout, buy back the car and repair it himself, with enough money to do so.

1 they wont spent a few grand to repair it

2 it will then be on the register meaning wont be worth half of original price, and not all insurance companys let you buy the salvage

As a non-fault cleim, he has the legal right to have it repaired, regardless of cost, if he so chooses.

What would you rather have - a repaired Cat C/D car that may be worth slightly less ( half is rubbish) or a wrecked car you are not able to fix and £500?

he may have the legal right but this is insurance companys you talking about

would rather the idiot who did it sorted it out or would go through insurance take money and buy another car but i have a agreed valuation so would not lose out

but all this is off toic and irelivent just pointing out that they will write it off and unless he has a agreed valve will have a hard time getting it fixed throught the insurance

Its his legal right none the less. The insurers will hardly fall over themselves to pay up, they will push for a write-off settlement for ease and minimum payout, but if he sticks to his guns and insists, it will get repaired. If he isnt capable / doesnt want to argue it that much, he could hire an accident management company (shouldnt cost him anything, their fee comes from the guilty parties insurers) and they will sort it out.

Someone on this forum went though the same thing not that long ago - I havbe no idea who it was, but they were hit by someone else, and had the car fully repaired to pre-accident condition, despite this costing way more than the cars value.

This guy needs to know his rights and make his decision accordingly.