Is this a write off ? - Civinfo
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post #1 of 25 (permalink) Old 15th January 2016, 09:43 Thread Starter
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Is this a write off ?

For third time some one smashed into my car which was parked out side my home ... Doesn't look like its repairable this time ... Breaks my heart seeing her in this state at first I thought it was a hit and run driver but after 1 hour or so he turns up full of apologies ( taxi drivers for you ) just waiting for insurance company to pick it up and leave me a loan car .. What ya think is it reparable as I love the car and had it from new
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post #2 of 25 (permalink) Old 15th January 2016, 10:00
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Oh, that's terrible to see, at least you were not hurt.

From an insurance point of view if the cost to repair it is less than the cost to replace the car then they will usually repair (My friends wife had similar damage done to her Seat Ibiza which they repaired).

However if the damage is structural (I.e. Chassis has been compromised) then in some cases they will deem the car unsafe to put back on the road and it will be a write off.

Such a shame to see an R like this.....fingers crossed for you... Best thing is to wait and see what the insurer says after it's been properly inspected...
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post #3 of 25 (permalink) Old 15th January 2016, 10:01
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That wheel looks very skew-whiff. Hopefully it's just a damaged hub, but if it's chassis damage, you're unfortunately probably screwed

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post #4 of 25 (permalink) Old 15th January 2016, 10:03
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Feel for you mate. You say third time, has this happened outside your house before?
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post #5 of 25 (permalink) Old 15th January 2016, 10:20
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Oh gawd, this is the 3rd incident outside your house. Cripes, I really feel for you.

It does look like the car has taken a substantial hit, the rear axle will need inspecting along with the shell. The rear axle is quite substantial so I hope it is just the hub mounting plate that is bent.

Hopefully the damage is not too extensive but with crumple zones in the chassis you may find damage further away. Do all the doors still open/close okay?
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post #6 of 25 (permalink) Old 15th January 2016, 10:21
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Yikes. That looks bad! Hope they can fix it. There are some real crazy drivers that wheel spin their cars down my road so I am glad I have a driveway, otherwise this probably would have happened to mine by now.

I wonder if the taxi driver fell asleep at the wheel or something.
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post #7 of 25 (permalink) Old 15th January 2016, 11:25
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Must of hit it with some force, its a tough one, pending on yr & value I would say sadly yes going by the angle of that alloy
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post #8 of 25 (permalink) Old 15th January 2016, 11:39
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Usually they write off if the repair comes to 50% of the value, but there's no hard and fast rule.

Can't believe this has happened to you 3 times. Where about do you live, on a bend, next to Careless Drivers R Us?
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post #9 of 25 (permalink) Old 15th January 2016, 12:43 Thread Starter
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Thanks for your replies ... Yes I live on a bad part the road on a incline which aproaches a bad narrowing bend and it is the 3rd time on the other times it's not been that bad but this time it looks bad doors do open ok but the tail gate seemed a bit stiff when fully opened could be damage on near side too as the car has been knocked into the curb if it is write. Off I'm hoping I can get like for like but don't hold up much hope but ya never know... I would normally park it on a side road but I can't see it from there think I'm going to from now on
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post #10 of 25 (permalink) Old 15th January 2016, 13:07
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ouch! didnt you hear anything? must have been a big bang.
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post #11 of 25 (permalink) Old 15th January 2016, 13:09
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Garage would be an option, look on your local council website they usually have an online form for putting you on a waiting list
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post #12 of 25 (permalink) Old 19th January 2016, 21:52
 
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I would go write off in insurance terms sadly.
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post #13 of 25 (permalink) Old 26th January 2016, 14:11
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I think its a write off. I swerved to miss a car and hit the curb at 20 mph, damaging the front bumper and underneath of the car. The damage didnt look too bad and the car drove OK, but the insurance company wrote it off. My car was worth 7k and the damage was 4k. The insurance companies may be worried that once they start stripping the car down they may find other pricey damage. Either way they will grade it as a CAT D, this will effect your insurance and resale value. Good luck.
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post #14 of 25 (permalink) Old 26th January 2016, 15:17
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They only grade a car if the write it off if the car is repaired it will not be graded
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post #15 of 25 (permalink) Old 28th January 2016, 13:33
 
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Any word on this yet?
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post #16 of 25 (permalink) Old 29th January 2016, 05:16
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Quote:
Originally Posted by RickHondaR View Post
They only grade a car if the write it off if the car is repaired it will not be graded
+1.

@ CCC, it only affects the insurance and resale value if you buy it back, repair it and run it / sell it. If it's written off, you get the money, they get the car.

After which if some trader buys the car and repairs it, then it has to be declared as Cat D to the new buyer. Obviously if it's the insurance company selling it, the resale value is of no interest neither is the insurance, unless you buy a Cat D yourself.

As for your own insurance from the incident, it's a claim, so expect a rise.
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post #17 of 25 (permalink) Old 29th January 2016, 10:34
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Not true, I was given half money & the car (long long story)
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post #18 of 25 (permalink) Old 29th January 2016, 13:59
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A Cat D vehicle will have suffered damage in the past, probably in an accident. The insurance company that handled the claim decided that repairing the vehicle would have cost more than replacing it. Insurers often sell Cat D vehicles on for salvage. Many are safely repaired and returned to the road.

After googling it I think its up to the insurance company if they rate your car as a CAT D, just what I expected, they have the power!
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post #19 of 25 (permalink) Old 29th January 2016, 15:22
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Quote:
Originally Posted by dweezle View Post
Not true, I was given half money & the car (long long story)
Same thing happened to my dad when the insurance company tried to write off the car. Instead my dad managed to convince them that he could repair it himself for less money. So he got to keep the car and was paid the amount he said it would cost to fix.
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post #20 of 25 (permalink) Old 29th January 2016, 16:42
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Quote:
Originally Posted by dweezle View Post
Not true, I was given half money & the car (long long story)
Very unusual to get both unless you come to some kind of buy back deal. I take it that's what you did with only getting 1/2 the money.

Quote:
Originally Posted by CCC View Post
A Cat D vehicle will have suffered damage in the past, probably in an accident. The insurance company that handled the claim decided that repairing the vehicle would have cost more than replacing it. Insurers often sell Cat D vehicles on for salvage. Many are safely repaired and returned to the road.

After googling it I think its up to the insurance company if they rate your car as a CAT D, just what I expected, they have the power!
Correct, I don't disagree. But if the original owner doesn't buy back the car, they get the money and neither the new value or increased insurance affects them as they are no longer the owner. Now their own premiums arising from a claim is a different matter.
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