Crashed my 35is

[Argyll Andy]

£16k is more than I paid but like you say the market has gone up. Even if i get £16k I can't get the same spec so my only chance of staying in a 35iS is to get the repair agreed

What did you declare the value as when you insured it? It seems unlikely that you valued it at more than you paid for it, in which case this will be the limiting factor when it comes to the pay out. They won't payout more than the declared value when you insured it, irrespective of the market value changes subsequent to this.

I had a real nightmare when my S54 engined Z3M got written off. There were only 79 ever came to the UK so finding one for sale was nigh on impossible. Obviously their initial offering was dire so I had a long battle with them on the valuation and eventually settled on about their 3rd or 4th offering. Still no way I could have replaced it for what they gave me though as prices were going up about 30% year on year.

You would have to pay about double now what I received to get into a S54 engined Z3

When you say they won't pay out more than declared value, is that always the case?

Not in my experience, as I posted earlier in this thread, when my daughter insured her car in January 2020, market value according to the insurance company, and what she roughly, we’re within a £100 or so.

She paid £7925 and their valuation was something like £7830. Roll on 7 months and she gets hit, they make a first offer of £8645 (minus her £350 excess) , which she refuses as first offer (because I told her too :lol and they came back 45 minutes later with a final offer of £8915 minus excess.

She accepted the 2nd offer straight away and the funny thing is the £8295 balance of the first offer was already in her bank at this point, they then said they’d arrange an additional payment of £270 for the increased offer.

So she got her £8915 for a car she’d declared/agreed a value of £7925/£7830 for 7 months earlier. There was also no smoke and mirrors with this, the insurance asked for a copy of the purchase receipt @ £7925 so we’re fully aware their offer was more.

She was told the reason for the higher payout was that the current market deemed the market value for her car was now £8915.

 

[Jameszy]

What did you declare the value as when you insured it? It seems unlikely that you valued it at more than you paid for it, in which case this will be the limiting factor when it comes to the pay out. They won't payout more than the declared value when you insured it, irrespective of the market value changes subsequent to this.

I had a real nightmare when my S54 engined Z3M got written off. There were only 79 ever came to the UK so finding one for sale was nigh on impossible. Obviously their initial offering was dire so I had a long battle with them on the valuation and eventually settled on about their 3rd or 4th offering. Still no way I could have replaced it for what they gave me though as prices were going up about 30% year on year.

You would have to pay about double now what I received to get into a S54 engined Z3

When you say they won't pay out more than declared value, is that always the case?

Not in my experience, as I posted earlier in this thread, when my daughter insured her car in January 2020, market value according to the insurance company, and what she roughly, we’re within a £100 or so.

She paid £7925 and their valuation was something like £7830. Roll on 7 months and she gets hit, they make a first offer of £8645 (minus her £350 excess) , which she refuses as first offer (because I told her too :lol and they came back 45 minutes later with a final offer of £8915 minus excess.

She accepted the 2nd offer straight away and the funny thing is the £8295 balance of the first offer was already in her bank at this point, they then said they’d arrange an additional payment of £270 for the increased offer.

So she got her £8915 for a car she’d declared/agreed a value of £7925/£7830 for 7 months earlier. There was also no smoke and mirrors with this, the insurance asked for a copy of the purchase receipt @ £7925 so we’re fully aware their offer was more.

She was told the reason for the higher payout was that the current market deemed the market value for her car was now £8915.

Yeah this is what I would expect. If I declare a value and the market changes over the year, that’s not my fault (and I’ve already paid upfront). Also, the consumer may not know the value, whereas an insurance company should have a good idea. It’s part of their job in pricing the insurance.

I would fully expect some to and fro over it, but ultimately my understanding is they have to either replace it like for like or offer a cash settlement (the latter equal to the purchase price of a similar vehicle in current market conditions).

 

[Zforbes]

Just had a call of Enterprise Rentals to take the hire car back on Saturday morning, I can only assume that the claim has been settled and I haven't agreed a total loss settlement figure.

It appears that they want to pay me out in advance of the works and take care of it from there, or I have an option to let the bodyshop post the bill once complete.

On the strength of this I have reserved a slot in my preferred bodyshop as today is their last day open until 12th April. :yeah:

I didn't want to miss this as they are always very busy, in fact the date work planned to start is 10th May :tumbleweed: but it's worth a few extra week to get quality workmanship.

There is still time for a few twists and turns yet as I haven't had the official nod, hopefully coming today.

 

[Ole gits rule]

Congrats on what I would term a win, in fact my brother in law had a cheque from his insurance and decided on his own bodyshop and they may even offer this to you.

 

[Argyll Andy]

Just had a call of Enterprise Rentals to take the hire car back on Saturday morning, I can only assume that the claim has been settled and I haven't agreed a total loss settlement figure.

It appears that they want to pay me out in advance of the works and take care of it from there, or I have an option to let the bodyshop post the bill once complete.

On the strength of this I have reserved a slot in my preferred bodyshop as today is their last day open until 12th April. :yeah:

I didn't want to miss this as they are always very busy, in fact the date work planned to start is 10th May :tumbleweed: but it's worth a few extra week to get quality workmanship.

There is still time for a few twists and turns yet as I haven't had the official nod, hopefully coming today.

Not wanting to upset you but some insurance companies only offer a courtesy car for a set period (7 days) or until a total loss is declared. I’d be straight onto your insurance company asking why the hire car is being withdrawn.

 

[Zforbes]

I’d be straight onto your insurance company asking why the hire car is being withdrawn.

The set period is 2 weeks with my insurance.

I did call the them earlier and stated "the car has been withdrawn and your repair garage will provide one of their vehicles" which is fine but I haven't actually had that confirmation. They also talked about paying me the cost of repair direct or the garage which he named after work completed.

They are making the right noises and I've booked the garage on the strength of that rather than delay another 12 days.

Was told somebody will be in touch very soon.

 

[Argyll Andy]

I’d be straight onto your insurance company asking why the hire car is being withdrawn.

The set period is 2 weeks with my insurance.

I did call the them earlier and stated "the car has been withdrawn and your repair garage will provide one of their vehicles" which is fine but I haven't actually had that confirmation. They also talked about paying me the cost of repair direct or the garage which he named after work completed.

They are making the right noises and I've booked the garage on the strength of that rather than delay another 12 days.

Was told somebody will be in touch very soon.

Looking positive then

Hopefully someone is in touch soon before the p!ss off for Easter weekend

 

[Zforbes]

Hopefully someone is in touch soon before the p!ss off for Easter weekend

As I stated in a previous post, more twists and turns yet.

Called the insurance on the way home and my quote is still in for assessment. I then asked "why are you taking the hire car off me then?"

It appears all is not what you expect, the hire car is not being paid for by my insurance - It's paid for by Copart, they have withdrawn their hire car as I have removed my car from their control. The only positive for me is that Copart have paid for a car for 1 week and not made a penny

Email recieved from my insurance

Enterprise Rent-A-Car have provided you with a courtesy car since 27th March 2021.

You have decided to have your vehicle repaired. Your policy does not entitle you to a courtesy vehicle if using your own repairer. Please find attached some important information regarding using your own repair centre.

This email is to advise you that I will be instructing Enterprise to off hire your vehicle with effect from 17:00hrs Friday 2nd April 2021.

Enterprise will be contacting you to arrange the return of their vehicle.

If you have any questions, please contact us and we’ll be happy to help.

Looking like no confirmation until Tuesday now :headbang:

 

[Ole gits rule]

Well, at least they are considering the quote, I think it will get passed and you will be able to get the car repaired.

 

[Zforbes]

I've booked the slot at the garage now, will be able to look back on the post and see if my prediction comes true

Plan is to have pictures posted on this thread fully finished and mint on 15th May.

 

[Ole gits rule]

If they were going to scrap the car off they would have kept copra involved, the only decision now is if you can use your preferred garage or your insurance companies recommended garage IMO

 

[Zforbes]

Hope so.

Think Copart have had enough of me as I have blatantly refused their attempts to get their hands on my car.

The business model makes me sick, talking to a mate the other day he told me a story about a range Rover Evoque, only a couple of years old, broken window during a theft, they connected to the ECU but didn't get the car going. Car written off as stolen recovered.

The reason they declared mine as structural damage when it clearly isn't is to get their hands on it as the pay less for a Cat S than a Cat N.

If nothing else, i've learned more about the dodgy dealings of the complete car insurance industry :thumbsdown:

 

[Ole gits rule]

The insurance companies are after an easy life and writing off your car makes less paperwork and hassle for them - they don't even do a quick 15 min search on a 35iS to check prices, just say 10 years old so write it off and contact a s--t company to deal with you. :thumbsdown:

You should never have to fight this hard to get your property repaired if you wish to keep it :headbang:

 

[Zforbes]

8 weeks after the crash I got back my car. Spent most of this morning cleaning and thoroughly inspecting the work. The bodyshop has done a fantastic job, paintwork is absolutely flawless and most certainly recommend the guys at sabden motor bodies in Clitheroe if there is anybody up my way looking for some paintwork.

I've took some photos of the car in its freshly cleaned state to appreciate what a beautiful car it really is.

Some of you eagle eyed ones may notice my addiction for future road incidents. :driving:

 

[Zforbes]

More pics

 

[Zforbes]

Even more pics

 

[Zforbes]

Even more pics

 

[Swiftly]

Your zed looks like new the garage has done a fantastic job, you must be really pleased on how it has turned out.

 

[Zforbes]

Your zed looks like new the garage has done a fantastic job, you must be really pleased on how it has turned out.

Yeah for sure, it was very tidy before but a few stone chips that weren't very well touched up. Now time to enjoy it, I'm going out for a drive but probably dirty again when I get back

 

[Zforbes]

Oops double post