ABSOLUTELY GUTTED! ACCIDENT :(
- Thread starter Lucy
- Start date
Breaker said:Good and bad news they can repair it.
The insurance company of the guy who hit you will no doubt pay for the repairs, but they don't pay for the money you may loose come re-sale time with it being logged as a repaired vehicle and money you may loose on insurance, even if it's protected, come renewal time!! All not fair considering it's not your fault!
Yeah i know
Although my insurance is going up by £300 to £1500 anyway because of 3 points i recieved 7 weeks ago. Oh and my renewal is due at the end of next week
Well if you're happy thats good, and I can understand your reasons too.Lucy said:I am just so happy that it can be repaired. I've had a look at other Z4's and Z4 M's that are for sale and there are some nice one's but none with such a unique interior like mine, the interior was the decider on what made me get this one. My criteria was a 3.0si Coupe prefably with the individual bi colour leather and dash, and when i saw this one i just had to have it. There are no others for sale like it so i am glad i won't have to get a new one that i'm not 100% happy with.
And after speaking to Pete at Sytners on the phone he's put my mind at ease that it's mainly cosmetic damage so it's not bent or anything. He's cheered me up a lot i'll give him that
Fingers crossed it'll be good as new when you get it back. As someone who had a black car repaired at Sheffield Sytner's in the past, make sure you are 120% happy with it before you get it back. On mine, the finish left a little to be desired if I'm honest (was quite dull in parts) and I gave up in the end and had it detailed with Swissol - which sorted it out completely.
Breaker said:
I'm only 21 with a licence held 2.5 years though so maybe that's something to do with it? I had a letter through the post a couple of weeks ago saying that my renewal was due on the 31st at a cost of £1200 (£100 less than last year) but when i was on the phone to Diamond after the accident i was talking to the renewals department declaring my points etc. as i've only just got my licence back and they said it would go up to £1500 :roll:
If you have shorfall insurance, it may be better that the car is written off and you get the full purchase price back your 2 insurance policies. Then you can choose to buy either another Z4 coupe or even the new Z4. I just think the car won't be the same again after such accident.
Problem is as well that the premium will be loaded even if you are at non fault. A Porsche drove if the back of my wife's car a few years back and the insurance did the following:
- Lost 20% no claim as the claim had not been paid by the other insurance company yet, had to wait for about 4 months for that refund
- They loaded the premium by 20% as well as they said, even if you are not at fault, you are more likely to have another accident !!!
Madness, but that is insurance companies for you ...
- Lost 20% no claim as the claim had not been paid by the other insurance company yet, had to wait for about 4 months for that refund
- They loaded the premium by 20% as well as they said, even if you are not at fault, you are more likely to have another accident !!!
Madness, but that is insurance companies for you ...
LOL how do they work that one out?pvr said:
Wondermike said:
Some people are driving too slow, i.e. 40mph where the speed limit is 60mph. Driver in faster car tries to overtake the slower car, then causes collision. Slow driver is not at fault, but indirectly causes the accident happened. That's why they also pay the price.
pvr said:
Statistically you are more likely to have another, but a 20% loading seems a bit far.
As with anything in life, swapping around is the best bet because everyone will try take you for a ride when they have the opportunity! Another good reason for paying monthly (but only when you get a good APR), and then you can cancel the payments as soon as you get your pay out (in the event of a total loss)... some will try carry on the policy in the event of a claim even though they are not covering cars.
Some really dodgy insurance practices out there from some providers, even mainstream ones. Kinda makes you wonder when you go with a crappy insurer to save 10%, when once in every ten years you need to claim and they pay out 10% less on a £20k car, totally negating the savings or something, or loading your policy on such stupid grounds as your example, by so much
Sad to see this btw Lucy, good look getting it sorted and hope it is all to your satisfaction when you are done! I'd try get a local detailer to go with you to inspect the car as they will have a keen AND quick eye for spotting things like dust in the lacquer, specks in the clear, crap in the base coat, the general colour match (the metallic is colour tinted on your car iirc), panel line-up etc. Might cost you £50 but I would imagine their advice would be good on whether to accept or not!
Dave
A mate of mine had his Golf GT TDI nicked from his drive and then when he replaced it with a Lotus Elise someone ran in the back of him when he was stopped at the lights (new rear clamshell, very expensive but he had a brand new Boxster for 6 weeks as a courtesy car while they fixed it so not to bad, cost the insurance company £350 a day though). At renewal time his previous £1k premium was now £1.5k even though when he took out the policy they said it would drop the next year due to him then having RWD car driving experience! 
Likewise some insurance companies wouldnt touch me or gave me inflated figures cus i didnt have any RWD driving experience but i'm 33, been driving 15yrs, full NCB, no claims/point/convictions etc! Crazy.
Likewise some insurance companies wouldnt touch me or gave me inflated figures cus i didnt have any RWD driving experience but i'm 33, been driving 15yrs, full NCB, no claims/point/convictions etc! Crazy.
duckson said:
I thought that was quite amusing too, from some insurers. I've driven wilder fwd cars with less power, than the Z4 which is pretty benign really, especially with all it's electronic safety nets!
But we do have to remember, insurers use statistics to make their life easier and make profit. There are plenty of exceptions to the rule, and they are those of us who, touch wood, go accident free for many years. But unfortunately, we still have to be carted along with the statistical band wagon of our demographic/experience skill-set until we can prove we are not retarded
Another update - Pete at Sytners phoned me 10 minutes ago to let me know that someone from the insurance company has come to inspect my car today and gave them the go ahead to repair it 
So it's stripped down and in bits in the workshop at the minute waiting for the parts which will take 2-3 days to come, and he's estimated 10-12 days to get it looking sexy again.
So it's stripped down and in bits in the workshop at the minute waiting for the parts which will take 2-3 days to come, and he's estimated 10-12 days to get it looking sexy again.
Lucy said:Another update - Pete at Sytners phoned me 10 minutes ago to let me know that someone from the insurance company has come to inspect my car today and gave them the go ahead to repair it
So it's stripped down and in bits in the workshop at the minute waiting for the parts which will take 2-3 days to come, and he's estimated 10-12 days to get it looking sexy again.
Glad to hear it. You do realize it will be at least a month, right?