Had car accident need some advice please

Discussion in 'Motoring' started by GalacticaActual, Jul 11, 2018.

  1. GalacticaActual

    GalacticaActual
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    Hello all,

    So today I hit another car in the rear end with my ford focus.
    It wasn't at high speed and I wont go in to much detail about how it happened but i would like to know what is likely to happen to my car now.

    The car is old but has sustained damage to the passenger head light , bumper , fog light and the air conditioning condensor causing the air con not to work. The bonet is also slightly bent on the corner

    I am fully comp but my excess is £250

    I have protected no claims of 14 years.

    So my questions are:

    Is the car likely to be written off?

    How long do theses thing usually take?

    If the car is written off, what actually happens? do i get any money ? do i still pay the excess?

    How much money is my insurance likely to go up when i renew it in November ?

    Any help would really be appreciated.

    While its a 17 year old car and commercially not worth much , its almost irreplaceable to me me as i wouldn't be able to buy a car the same spec for the price it is now worth , if that makes sense.

    I am panicking a bit about this so like i said any help would really be appreciated.

    Thanks all.

    D.
     
  2. LJx

    LJx
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    I'm sure they will let you keep the car and get it fixed yourself rather than paying out.
     
  3. GalacticaActual

    GalacticaActual
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    So will I still pay an excess? Ect?

    Really don't know what to do. Car probably only worth 400, but like I said it's worth a fortune to me ..
     
  4. prezzy

    prezzy
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    You pay excess to get the persons car you hit sorted if you want to sort yours yourself then you can?
     
  5. noiseboy72

    noiseboy72
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    You will lose your excess - as this will help to pay for the damage to the car you hit. They will probably claim for whiplash as well...

    If you are happy to repair at your own expense, they will probably accept this. A visit to the scrap yard will probably find you the parts and you might even be able to fix it yourself.
     
  6. LJx

    LJx
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    I think you only pay the excess for repair to your car, it doesn't matter if the other party is claiming against you. I would ring them and ask
     
  7. prezzy

    prezzy
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    Nah have to pay excess if it is your fault to get the other persons car fixed I rolled into the back of a Audi A8 a few years ago and cracked the bumper was cheaper for me to pay my excess than pay to get it fixed myself - no damage to my car
     
  8. lowmans100

    lowmans100
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    A new condenser on a focus fitted will be about £370 all in (I just had one done), so if the car is worth £400 and you have a load of bodywork needs doing as well the insurer will likely write it off.

    You could have the car back and repair it yourself but if it is not worth much without the damage, getting ot repaired is probably an expensive option.

    You will be offered the value of the car minus your excess. The insurer will make you an offer and you will likely reject it. You will need to prove the value of your car by providing evidence that it is worth more than their offer, you can do this will adverts from car dealerships, Parkers, ebay etc.
     
    Last edited: Jul 11, 2018
  9. GalacticaActual

    GalacticaActual
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    Thanks guys, looks like I am pretty screwed then.
     
  10. Foster

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    Good luck with the insurers!
     
  11. John7

    John7
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    Top tip - driving a 17 year old car worth £400.00 - do not waste money on fully comp insurance and protected no claims bonuses!
     
  12. GalacticaActual

    GalacticaActual
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    How much do you all think it will affect insurance my premiums?
     
  13. GalacticaActual

    GalacticaActual
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    That's fine but I have had the car for nearly 10 years and a lasts been fully comp with it.

    Should I not bother trying to get it repaired on my insurance?

    Will that at least cost me less when I try and renew insurance, be less punished so to speak??
     
  14. nvingo

    nvingo
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    Actually choosing fully comprehensive can work out cheaper than TPFT, or even only negligibly more. Premiums being based on risk, and a driver choosing TPFT considered a greater risk.

    And why not protect the no-claims bonus? If the driver were to replace their '17 year old car' with a newer or higher group one, that protected no-claims might considerably reduce the insurance price.
     
  15. un1eash

    un1eash
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    100% its a write off, there's no getting your insurance to repair it. Without knowing your insurance costs no one can tell you how it will affect future premiums. Try doing an insurance quote with a fault claim added.
     
  16. AMc

    AMc
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    Check your policy document. I had a low speed bump in my partners car - they took 2 years off her no claims discount which wasn't protected.
    Bear in mind that the NCD is a % of the risk they calculated. With 17 accident free years your risk was lower than it is now with 0 accident free years so the base premium will rise next year then they'll apply the NCD to that higher value.
    If you keep the car then your risk also goes up, it's a proven fact in motor insurance that once an owner has bumped their car they are statistically more likely to have another accident in the same car.

    What will it actually cost? Hard to say, my own insurance went from £200 to £250 fully comp on a Golf GTi, I'm 45 with a similar accident free record until last December but then everyone's insurance has been going up year on year so some of that might have been coming anyway.

    Try not to panic about it. If they suggest writing off your car then ask them for the salvage value. It might be worth doing the work any way but bear in mind that once your car has been written off it will also affect it's (negligible) value and probably it's insurance risk too.
    What is an insurance write-off? Your Guide to Cat A, B, S (C) & N (D) | RAC Drive
     
  17. Atavus

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    Whether you claim for your damage or not will make no difference as the Third Party will be claiming.
     
  18. PSM1

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    Assuming they value your car at £400 then they will give you £150. You could ask for the salvage value of the car and then pay that to the insurance to buy it back from them. You would then need to pay for the repairs to your car which sound like they could well add up to well over £1k and if you get it all done properly I suspect you would be looking at a cost closer to £2k or maybe more. That would be money that would be better spent buying a new car IMHO.
    You need to figure out how much money you have to spend on a car and start looking around locally for something that looks good. There will be plenty of cheap cars around, some will be wrecks but there will also be some that will be well looked after and in a similar condition to your car before the crash. So your car is certainly not irreplaceable but it is going to cost you around £250 (your excess) to get a replacement (assuming you get £150 from the insurance company).
     
  19. wongataa

    wongataa
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    You only pay the excess when you claim on your insurance policy. You do not pay any excess if a third party claims from your insurance. Therefore you pay no excess if your insurance is paying for the repairs to another vehicle not covered by your policy.
     
  20. GalacticaActual

    GalacticaActual
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    Hi again all

    Thank you very much for the help and advise.

    I have spoken to the company that will be costing the repair for the insurance company on my car.

    They are called Artis accident care. (anyone had dealings with them ?)

    They want me to send some pictures to evaluate the damage and the actually resale cost value of the car.

    They said not to worry to mush as they will do the best so that i have a few options on the table.

    Not sure what will happen , but i am trying to remain optimistic.

    In the mean time, might have to try and look at prices of cars i can realistically afford.
     
  21. Greg Hook

    Greg Hook
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    Unfortunately they have just gotten your hopes up that there are any options on the table.

    For the age of car and damage you described, it will be a write off. I'm sorry that is not what you are hoping for. Your car is likely worth around £300-£400. The parts alone will be probably more than that. Factor in labour and you are way over your car's value.

    It's annoying that those people weren't truthful with you.
     
  22. prezzy

    prezzy
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    I was robbed then?
     
  23. Foster

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    If the accident is your fault you lose your excess.
     
  24. IronGiant

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    Only if you make any claim for your own car. If you just scuff your towball cover when you reverse into someone :blush::facepalm: and don't need it repaired then you aren't charged anything (until your policy goes up on renewal :devil:)
     
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  25. IronGiant

    IronGiant
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    Three options?
    1) They write it off and offer him £200?, he takes that or barters the value up.
    2) They write it off, he takes the final offer and buys it back for its scrap value.
    Either of those options mean he coughs up the excess.
    3) He makes no claim on his own car and scraps it himself or fixes it.
     
  26. Greg Hook

    Greg Hook
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    Yes, that could be the options. But from what he said I think they gave him the hope that it wouldn't be a write off. Which it will be in any case.

    If he took your option 3, would the insurance still class it as a write off or would they just close the case and not send the info to DVLA?
     
  27. mjn

    mjn
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    That’ll be a Cat C write off. Assuming the car is on your driveway you could buy it back as salvage. But if the car is only worth £400, it ain’t worth it. Even if you get all the parts from the scrapyard, you’ll be ploughing money into a 17 year old car on a Cat C. Remember that some insurance companies won’t insure Cat C cars.

    A Ford Focus is a common car, so i would be scouring Gumtree / AT / Ebay for a suitable replacement.
     
  28. IronGiant

    IronGiant
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    Probably too late for that as it's already in the hands of the assessors. But I don't know.
     
  29. GalacticaActual

    GalacticaActual
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    Hi everyone thanks very much for all the input.

    I don't really know what I was hoping for reading the outcome of all this. Like I said never had to deal with it before

    Really liked that car but it's old and worn out (I know the feeling)

    Would I be better just phoning them back and asking them to not report to the insurance Then just decide what I want to do.

    Best option would seem to be to scrap it or sell it as spares if its going be a wright off.

    Paying the excess and getting an offer won't add up to anything more than scrap value anyway will it ?
     
  30. Greg Hook

    Greg Hook
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    It’s already reported to the insurance though. Not much you can do now other than await the response from the claims management company.
     

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