my ka had a rear end crash creasing boot floor ,door not shut same ,bonnet hangs over light slightly,
2007-01-29 21:18:47 · 9 answers · asked by Anonymous in Cars & Transportation ➔ Maintenance & Repairs
I bought a merc' (that sounds impressive doesnt it) secondhand in great condition, £3K, but I only had 3rd party insurance! Driving from the garage on day one of purchase down a very narrow country road I saw a nutter speeding towards me, wet slippy road covered in cow dung, I pulled over and stopped the nutter lost his bottle at the last moment and hit his brakes, skidded into me, his car was a write off, mine had a slightly bent main frame and a bit of body damage. Insurance people said no witness's no ones fault ! They werent going to pay anything out.
I paid for mine, after shopping around I had the work done for £1K. That car lasted for years thousands of miles , likely the best car I ever had. My only other alternative was to bin it, I'm very glad I didnt.
2007-01-29 22:00:28 · answer #1 · answered by budding author 7 · 0⤊ 0⤋
Insurance companies usually will NOT APPROVE a repair that is going to cost more than the current value of the car. The car then becomes a write-off, but still should have a little bit of salvage value. It depends on how old it is, and how many miles it has been driven. Sometimes, you can buy the wrecked car from the salvage yard, after the insurance has settled with you. Try to get the insurance companies to buy you a replacement car exactly like the one that got "twisted in the rear end shunt". I would never choose to repair a car that has been shunted as badly as you say yours has.
2007-01-30 05:39:45 · answer #2 · answered by Phillip S 6 · 0⤊ 0⤋
There are different classes of wreck and some of them can be repaired on a jig and will pass MOT and Insurance.
Best to have a professional Ford repair / dealership look at it and quote you. Your insurance company may send a loss adjuster out to investigate on their behalf. They could help you with the cost of repairs if it was worth it. Was the other person insured? Surely it was their fault unless you were parked badly or illegally.
2007-01-31 19:02:52 · answer #3 · answered by Rob K 6 · 0⤊ 0⤋
If the car's worth more than the labour to put it on the jig to straighten it then you'll be ok. If the labour's going to cost more then it's a write off in the eyes of the insurance.
If you get it straight again it will be perfectly safe.
2007-01-30 12:49:40 · answer #4 · answered by Bandit600 5 · 0⤊ 0⤋
Some insurance companies will write it because it is to badly damaged it sounds like it is pretty bad i think it is a write off
2007-01-30 13:43:56 · answer #5 · answered by Miniman 1 · 0⤊ 0⤋
I'd bet they'll total it, more work than the car is worth. Will probably get fixed by someone who buys it from the insurance company though.
2007-01-30 05:26:11 · answer #6 · answered by baron_von_party 4 · 0⤊ 0⤋
today's cars are mono construction and the floor and even the roof give the car the strength it needs, So it will be a Write off,
2007-01-30 05:35:57 · answer #7 · answered by Chris 5 · 0⤊ 0⤋
insurance company will most likely write it off. any twist in the main frame at all means it will have a permanent weakness. so normally they wont touch it.
2007-01-30 05:30:32 · answer #8 · answered by Cubangirl 3 · 0⤊ 0⤋
Any unibody car(this one is) will be totalled if the unibody is bent or damaged as to fix it correctly is more than the car is worth.
2007-01-30 05:29:25 · answer #9 · answered by lemans81 3 · 0⤊ 0⤋