car cost 1800, full years mot, mileage 52000, very good condition, t reg 1999 fiat brava, insurance offer can I refuse
2007-02-11 23:41:07 · 9 answers · asked by juliesim@btinternet.com 1 in Cars & Transportation ➔ Insurance & Registration
Sure you can; but you'll not have much negotiating a better payoff from them. Provide them with pricing of simular cars and a log of regular and major service performed. Many insurance companies will also give you an option to take the check and buy the car back from them at a discount; you might wish to explore that option
2007-02-11 23:45:05 · answer #1 · answered by wizjp 7 · 0⤊ 0⤋
my car was written off 4 weeks ago cos a car and a van drove into me.[@ssholes!.mine was an r reg fiesta 16valve in fab condition with a brand new mot,57k on the clock and 1 week tax left.i got a settlement of £1695.it was the first offer and i accepted straight away.i only paid £1100 for it.i didnt have legal cover though,so had to get a soliciter at no cost to myself.i hope this helps.
2007-02-15 18:48:27 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Sure, you can refuse. and then they will say "ok.. have a nice day" and close down the claim. It's not like they care whether you take the money or not.
If you do research and feel they are being completely unreasonable bring evidence and attempt to work with insurance- but it will likely not change very much. Total loss settlements are based on actual cash value of the vehicle. But good luck getting anything done if you just "refuse" the settlement.
2007-02-12 09:42:29 · answer #3 · answered by la428282 6 · 0⤊ 0⤋
You dont say when you bought the car at £1800. Even retail today it wont see much over £1k.
Book price is about £500 ish depending on spec.
The insurance company will only pay out on what the car is worth, not what you would like it to be worth unfortunately. you can try negotiating but you will not see anywhere in the region of £1800.
2007-02-12 08:31:33 · answer #4 · answered by Mark B 5 · 0⤊ 0⤋
Depends what they are offering doesn't it!
Best way to deal with insurance companies if there offer is short of th mark is to find a garage with a similar car, similar mileage etc etc and take a pic of it with the price displayed! Also where possible get local newspaper ads of same car and prices!
Then send them a letter with the details and tell them that you want your car replaced with the same model, same or similar mileage, same condition, same colour and that is your final offer as the forecourt price is the going price!
2007-02-12 07:46:36 · answer #5 · answered by jamand 7 · 0⤊ 0⤋
i have a W-reg 2000 Brava done 70000 in good condition for sale on my forecourt for £1499, thats full retail price the insurance will probably only pay out £900 maximum.
2007-02-12 07:59:57 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Of course you can refuse any offer. But do keep in mind it doesn't matter what the vehicle cost you, or what you owe on it, or even what it will cost you to get another vehicle as good. All the insurance will give you in the worth of the vehicle, adjusted for condition, at the time of loss.
Generally you can find the worth of the vehicle at places like Kelly Blue Book ( http://www.kbb.com )
2007-02-12 09:44:54 · answer #7 · answered by oklatom 7 · 0⤊ 2⤋
yes its worth a try what u buy a brava for in the first place lol
2007-02-12 07:43:02 · answer #8 · answered by gem 3 · 0⤊ 0⤋
i have done this and actually got a decent payout. renault espace stolen, offered me 700 i refused 3 times and eventually settled on 1250 but i had stereo cover and contents which is what they paid extra on *** they could not do it on value of car. N------U---- very good outcome for me.
2007-02-15 19:23:15 · answer #9 · answered by brommas 4 · 0⤊ 0⤋