Help save a Z - reckon this is a write off? Help appreciated
- Thread starter Jameszy
- Start date
pvr said:
Thanks pvr. It's slightly different as my insurer aren't involved, so agreed value or anything doesn't really come into it. The claim is with the third party insurer, who I have no contract with, but where the law is I have to be put back into the same financial position as before the accident.
So therefore the condition of the car comes into it in a way it doesn't with your own insurer (because your contract will stipulate how your own insurer values a car, which you in turn agree to when taking out their insurance).
do you buy legal cover with your car insurance? They might be the people to talk to, I've never had to use mine but surely if you have a non fault thats who should be helping you? Providing you have it of course
Hope you get a succesful resolution
Hope you get a succesful resolution
mr.tourette said:
Another good point - I didn't buy it, but was offered it (Admiral Law) post the accident. So far, my view has been to deal with the third party and try and be firm but amenable i.e. not be difficult about things for example they couldn't offer a 2 seater courtesy car, but were obliged to, so accepted the A6. Tough life I know.
I've accepted it may well be a write off if the damage is bad enough. That said, I'm not willing to chuck it without it having had a look at. If I get the sense they aren't going to have a decent look, then maybe good to include a lawyer but for now hoping they can see sense.
Jameszy said:
The problem is determining the valve of your car, I had a van written off recently, no fault claim going through the third party’s insurance, they used an independent assessor to value the van and I had great difficulty getting anywhere near what I considered a reasonable settlement and that was also with using a claims company that was an extra with my insurance.
I think you need to seek legal advice with this and you may end up having to go to court to get what you consider to be it’s true value or repaired to pre accident condition.
Jameszy said:
Sorry to hear about this. Are you dealing directly with More Than or a claims management company in their behalf. I had the same thing about a like for like courtesy car with a claims management company, when I had my Z coupe and got given a bog standard A5 5 door diesel
Zikim said:
They find out from the other company anyway. Another car touched my wife's car in the car park, no damage to it (Jeep) but the other party reported their fault to their insurance company. We got a letter within a week from ours that my wife's car had been involved in an accident.
Insurance renewal for us was a week later, and it hiked the premium by over 50%. A non fault, non claim indicident, still haven't got that premium hike back 3 months later.
To answer a few questions - Admiral (my insurer) are aware. Am expecting an insurance hike at renewal (September 2023), but they're not the only insurer in the market 
More Than have been dealt with directly, i.e. no accident management company or solicitors. Obviously that might change depending on the outcome here.
@PVR when you say got the hike back, do you mean you claimed on the third party for the hike?
More Than have been dealt with directly, i.e. no accident management company or solicitors. Obviously that might change depending on the outcome here.
@PVR when you say got the hike back, do you mean you claimed on the third party for the hike?
No - I spoke to Admiral (my insurance) and asked how long it remains a claim if there is no claim. They said 6 months after which it is "deleted" (no doubt a soft delete to resurface at next renewal 
). So once the 6 months are up I will call Admiral again and ask for the hike back as there never was a claim.
I had to remove my wife as a driver on the Porsche and the M as her non -claim doubled the premium on those two cars.
). So once the 6 months are up I will call Admiral again and ask for the hike back as there never was a claim.I had to remove my wife as a driver on the Porsche and the M as her non -claim doubled the premium on those two cars.
:fightwall:pvr said:No - I spoke to Admiral (my insurance) and asked how long it remains a claim if there is no claim. They said 6 months after which it is "deleted" (no doubt a soft delete to resurface at next renewal
I had to remove my wife as a driver on the Porsche and the M as her non -claim doubled the premium on those two cars.
I had an accident in my day car a short while ago. Insurer said it was a write off and paid up with a good price but wouldnt let me buy it back for all sorts of reason. They said Copart would pick it up which they did.
It then went to auction with a comment that it was repairable damage and sure enough it sold and several weeks later the car had a new MOT and was back on the road somewhere.
Me thinks its all a con but what can you do.
It then went to auction with a comment that it was repairable damage and sure enough it sold and several weeks later the car had a new MOT and was back on the road somewhere.
Me thinks its all a con but what can you do.
The issue is that your insurer would have only fitted new parts.
Whoever bought it from Copart probably bought used parts and wouldn't be paying bodyshop labour, rates which then makes it economic to repair.
The issue if you want to keep it and get it repaired is to make that decision before it gets collected by Copart!
Whoever bought it from Copart probably bought used parts and wouldn't be paying bodyshop labour, rates which then makes it economic to repair.
The issue if you want to keep it and get it repaired is to make that decision before it gets collected by Copart!
pvr said:No - I spoke to Admiral (my insurance) and asked how long it remains a claim if there is no claim. They said 6 months after which it is "deleted" (no doubt a soft delete to resurface at next renewal
I had to remove my wife as a driver on the Porsche and the M as her non -claim doubled the premium on those two cars.
Is this a normal thing? Would they give you the increase back, or are you chancing it (not an insult, just wondering if there’s procedure for this)?
I ask as Admiral seem to be doing the same for me. Any Z4 Coupe is coming out as an increase of 10% (even though I’ve only got 9 months left on the policy, so actual increase higher).
Deepseaskateboard
Senior member
They do increase the premium if you have had any involvement in an accident, fault or none fault.
Essentially, they are like a Casino in the way they never lose out.
Apparently: “Statistically a driver involved in an accident is more likely to cause another” or something.
This is true even if you were not driving the car, but someone else was not at fault on your policy.
It’s not fair, but there are no alternatives.
Someone once drove into the back of my girlfriend’s car when I was driving it. They boosted premiums all round.
Her policy, my own policy and the causer of the the whole debacle's policy.
Essentially, they are like a Casino in the way they never lose out.
Apparently: “Statistically a driver involved in an accident is more likely to cause another” or something.
This is true even if you were not driving the car, but someone else was not at fault on your policy.
It’s not fair, but there are no alternatives.
Someone once drove into the back of my girlfriend’s car when I was driving it. They boosted premiums all round.
Her policy, my own policy and the causer of the the whole debacle's policy.
Deepseaskateboard
Senior member
Jameszy said:
I have not heard of this, and if it is so, I doubt the process is straightforward. He would need to provide explicit detail in how to go about this.
I would be interested, as would be due a small windfall! :rofl:
I’ll be amazed if that doesn’t come back as a write off.
Having bought a coupe from Copart only a few months back I documented how they wrote it off for a bent front lower control arm. Considering the possible drivetrain implications here it’s got to be considerably more risk.
https://z4-forum.com/forum/viewtopic.php?t=137375
Having bought a coupe from Copart only a few months back I documented how they wrote it off for a bent front lower control arm. Considering the possible drivetrain implications here it’s got to be considerably more risk.
https://z4-forum.com/forum/viewtopic.php?t=137375
I hope you get your car fixed, but I can tell you that insurance premiums have gone up everywhere!
Depending on where you live that could be a small increase or a large increase. In London premiums have sky rocketed! my friends x5 has gone up 50%
My g29 gone up 20%. It’s insane.
Depending on where you live that could be a small increase or a large increase. In London premiums have sky rocketed! my friends x5 has gone up 50%
My g29 gone up 20%. It’s insane.
