Oh dear, maybe a wright off...

synthedup said:
Thanks for the support guys.

"If" it is written off and they offer it be back at a reasonable price I would buy it back and possibly brake it.

None wants a CAT D/C Z4 when they're cheap for a straight one.

What are parts wroth?

Full red leather - £350.
Sports MTSW - £180
Wheels - £350
Front lights - £150
Rear lights - £150
KW ST coilover done 4000 miles, £500
Cup holders - £50
Gear knob - £35
F bumper - £60
R bumper - £60
Bonnet £300


Not sure how much one of these would brake for tbh.
Seats must be worth at £1000 probably more being Red. :o
 
maxman said:
synthedup said:
Thanks for the support guys.

"If" it is written off and they offer it be back at a reasonable price I would buy it back and possibly brake it.

None wants a CAT D/C Z4 when they're cheap for a straight one.

What are parts wroth?

Full red leather - £350.
Sports MTSW - £180
Wheels - £350
Front lights - £150
Rear lights - £150
KW ST coilover done 4000 miles, £500
Cup holders - £50
Gear knob - £35
F bumper - £60
R bumper - £60
Bonnet £300


Not sure how much one of these would brake for tbh.
Seats must be worth at £1000 probably more being Red. :o

not SE ones ;)
 
If they decide right away that it is written off and pay you asap they save a fortune as they no longer have to supply a courtesy car for you.
 
mmm-five said:
synthedup said:
Looks like I may have this car for a couple of months.
Who has provided the 'courtesy car'? Your insurer, their AMC (accident management company) or the 3rd party's insurer?

If it's your insurer or an AMC, then be careful, as it's up to you to make sure you minimise any costs for out of pocket expenses.

So if you know you are going to be without a car for a longer period, and are relying on the 3rd party insurance to pay for the extortionate AMC rental, then you may end up having to explain why you're asking them to pay £5000 for a loan car when you could have easily gone to Avis/Hertz/Enterprise and done the same for £1000 for the same period.

You may find you are liable for the difference between what the AMC is charging and what the 3rd party insurer will pay you.

Only pointing this out as I had the same issue when I had my light altercation with a lorry. Repair bill was less than £2k, but the E92 M3 for 3 weeks was over £6k (£350 for the car, then extras for delivery, sat-nav, European cover, 2nd driver, etc.). The 3rd party's insurer wasn't arguing over the repair cost, but had to be taken to court to argue their point over the 'excessive' cost of the hire car.

Luckily I had correspondence with the AMC to point out that I'd only asked for a runaround and didn't need like-for-like, and also had a policy that covered any shortfall should the 3rd party argue the toss. Still too 14 months before I stopped having to make written statements.


Just spoke to my insurance company and expresses my concerns about the cost of the loan car as I didn't request one of this standard. He said not to worry as it will be paid in full by the 3rd party and my policy will not be touched so I have nothing to worry about. :driving:
 
synthedup said:
Just spoke to my insurance company and expresses my concerns about the cost of the loan car as I didn't request one of this standard. He said not to worry as it will be paid in full by the 3rd party and my policy will not be touched so I have nothing to worry about. :driving:
Is it them saying that they 'assume' it will be paid by the 3rd party when the send the final bill, or that the 3rd party has 'agreed' to pay it, no matter what the final cost?

There's a difference!

If it's the latter, then get it in writing. The 3rd party may not be expecting a huge hire car bill until they realise you're holding out for a specific bodyshop that can't fit you in for months. They're not going to like providing you with a courtesy car for that purely optional waiting period. Mine wouldn't even provide a courtesy car until the car had been assessed and approved for repair.

I wouldn't worry too much though, as in 99% of instances everything will be fine. It's just the 1% that you need to worry about (as in mine) - where the repair, hire car, etc. was all over & done with in less than a month, but it took over another year for the 3rd party to pay as they challenged the hire car costs once they got the final bill.
 
synthedup said:
srhutch said:
I think those that do list it in their T&C's

I stipulated I wanted Brookstead Panel Craft at Rotherham to complete the repair if it is going to be repaired.

...

I do know however Brooksteads are fully booked until the end of January as I went yesterday morning for a cash price repair. It was when he said £2,500 and 2 months I knew it has to be an insurance job.

Looks like I may have this car for a couple of months.

Surely the insurance company aren't going to find it acceptable to spend that on a car for you?

That's the best part of 2 months, at £192 per day purely to facilitate you getting to choose a garage that you are aware is fully booked up?

That's more than £11k before repairs! I'd be very careful if I were you given your car is worth less than half the cost of the hire car...
 
flight174z said:
synthedup said:
srhutch said:
I think those that do list it in their T&C's

I stipulated I wanted Brookstead Panel Craft at Rotherham to complete the repair if it is going to be repaired.

...

I do know however Brooksteads are fully booked until the end of January as I went yesterday morning for a cash price repair. It was when he said £2,500 and 2 months I knew it has to be an insurance job.

Looks like I may have this car for a couple of months.

Surely the insurance company aren't going to find it acceptable to spend that on a car for you?

That's the best part of 2 months, at £192 per day purely to facilitate you getting to choose a garage that you are aware is fully booked up?

That's more than £11k before repairs! I'd be very careful if I were you given your car is worth less than half the cost of the hire car...


My insurance company said to me when asked "why should you drive around not in a BMW Z4 due to no fault of yours"

Regarding the company who I asked to repair the car, turns out they are on the list of accident repair centre the insurance company use and recommends.
 
synthedup said:
My insurance company said to me when asked "why should you drive around not in a BMW Z4 due to no fault of yours"
That sounds like a standard line from an AMC (accident management company).

Did your insurance company hand you over to their 'preferred' AMC when you called to make the claim?
 
synthedup said:
My insurance company said to me when asked "why should you drive around not in a BMW Z4 due to no fault of yours"

Regarding the company who I asked to repair the car, turns out they are on the list of accident repair centre the insurance company use and recommends.

Surprised nobody is kicking off about choosing a garage with a 2 month wait... why not pick one with a 6 month wait and drive a 2 year old car for 6 months?
 
Should the repair time / courtesy car cost not be part of the decision to write a car off? If the value of the car is say £5k, and the rental alone is £10k, sounds to me that you would cut your loss, pay the £5k and be done with it.

I am pretty sure there is an AMC involved here whose sole interest is in getting the charges as high as possible as they probable get £100 for each day you have the loan car.
 
charming... i got a bleeding twingo but tbf I would rather keep the costs down and it would only sit on the drive! i hope they don't write yours off as it doesn't bode well for mine.
 
Well after nearly three weeks my car gets inspected tomorrow to determine if it can be repaired.

I must say after driving the E89 for over 2 weeks it just doesn't have the same feel in the same league as my E85.
 
stevespg said:
srhutch said:
Three weeks to inspect it :o

easy to see how cars get written off if they take so long to do the easy part..... whilst hire cars and storage all mount up

3 weeks of costs already. Wrtings probably on the wall already now :cry:
 
Bunch of insuring scammers.
We all pay for this crap.

Even though it's not your fault, you think your premium isn't going up?
 
Rialas said:
Bunch of insuring scammers.
We all pay for this crap.

Even though it's not your fault, you think your premium isn't going up?


Well my insurance hasn't been involved at all and Im pretty sure my premium wont be effected.

If historic renewal have anything to go on im sure I will be able to get it cheaper than last year.

Having owned the car 4 years and starting with no NCD i have paid roughly the below.

Year 1 - £1600
Year 2 - £790
Year 3 - £450
Year 4 - 310

And as of this year I now have a client who owns an insurance company so I have he quotes me happy in January :)
 
synthedup said:
Rialas said:
Bunch of insuring scammers.
We all pay for this crap.

Even though it's not your fault, you think your premium isn't going up?


Well my insurance hasn't been involved at all and Im pretty sure my premium wont be effected.

If historic renewal have anything to go on im sure I will be able to get it cheaper than last year.

Having owned the car 4 years and starting with no NCD i have paid roughly the below.

Year 1 - £1600
Year 2 - £790
Year 3 - £450
Year 4 - 310

And as of this year I now have a client who owns an insurance company so I have he quotes me happy in January :)
Cool, by next year we'll be paying you to insure your car. :rofl:
 
Just had a call to say they are repairing the car :)

I must say after driving this E89 for 5 weeks I am happy to be getting her back. The E89 although is a much much nicer place to sit, it doesn't drive like my E85.

Should have it back in a couple of weeks.
 
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