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Author Topic: CRASHED THE BEAST :'(  (Read 28580 times)

Offline Skilgannon

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Re: CRASHED THE BEAST :'(
« Reply #30 on: September 22, 2016, 12:00:03 pm »
genuinely upset for you bro. This is the reason why i never do too much to my cars, if i ever get attached i'll kill someone even if they tap my car!

Offline xs2man

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Re: CRASHED THE BEAST :'(
« Reply #31 on: September 22, 2016, 12:23:58 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

Offline FJ1000

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Re: CRASHED THE BEAST :'(
« Reply #32 on: September 22, 2016, 12:43:25 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

This sounds like good advice.

It also highlights how important it is to the end outcome to make sure it is 100% crystal clear it was the other party's fault.

@r5gtt did you get any witnesses? I hope so. Best to put in a call to them if you did, and just keep them onside.

The more evidence and detail you can collect and pass on to the insurers, the better.



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Offline xjay1337

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Re: CRASHED THE BEAST :'(
« Reply #33 on: September 22, 2016, 01:22:58 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.

Offline r5gtt

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Re: CRASHED THE BEAST :'(
« Reply #34 on: September 22, 2016, 01:48:47 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.
It's going to be very tough but I've found a few on trader £6500 7000 with same mileage 5door dsg so keeping them on file for if they write it off as I'm going to say you get me the same car with the same spec or give me my full money back and I'll go find one myself. Send them pictures of these gti prices and go from there. been to VW and the guy on parts said they'll most likely write it off from the parts list. I'm taking off thr good parts but lacking the rear lower bumper as mine broke on removing.  :sad1:

The claims guy said I'll get the market value only but I argued that the value is a lot more and gave him my spec. so he's going to get back to me. if thr car is written off I need all parts I've fitted but he seems to think he'll get the car back too?.

Offline r5gtt

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Re: CRASHED THE BEAST :'(
« Reply #35 on: September 22, 2016, 01:50:50 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

This sounds like good advice.

It also highlights how important it is to the end outcome to make sure it is 100% crystal clear it was the other party's fault.

@r5gtt did you get any witnesses? I hope so. Best to put in a call to them if you did, and just keep them onside.

The more evidence and detail you can collect and pass on to the insurers, the better.
Yes I have a witness and have already contacted him and he's prepared to be a witness although there's no need as the third party acknowledges full liability for thr accident so that shouldn't be an issue.

If they write it off I can but it back??? 1^3 value?

Offline FJ1000

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Re: CRASHED THE BEAST :'(
« Reply #36 on: September 22, 2016, 02:03:49 pm »
Good stuff - push for a good repair then.

Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)


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Offline Lucastheone92

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Re: CRASHED THE BEAST :'(
« Reply #37 on: September 22, 2016, 02:07:21 pm »
Really sorry to hear that mate. As everyone else has said at least your not hurt. I hope everything goes as smooth as possible regarding insurance and repair it   :wink:

Offline r5gtt

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Re: CRASHED THE BEAST :'(
« Reply #38 on: September 22, 2016, 02:45:50 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.
Yes this is what i was thinking re glass or parkers damn shame I have no where to strip it if that is the case.

Good stuff - push for a good repair then.

Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)
That's another issue I don't want a cat d damaged motor  :sad1: repairs habe to be bang on as when turning the steering I'm hearing some sort of grinding noise both left and right but mildly not major.

Really sorry to hear that mate. As everyone else has said at least your not hurt. I hope everything goes as smooth as possible regarding insurance and repair it   :wink:
Thank mate I hope so too.



Offline dazza

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Re: CRASHED THE BEAST :'(
« Reply #39 on: September 22, 2016, 02:49:56 pm »
Thats sh*t  :sad1:

Glad your ok and the insurance it going to sort it.

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Offline xs2man

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Re: CRASHED THE BEAST :'(
« Reply #40 on: September 22, 2016, 02:56:58 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.

Of course the insurers will try do low-ball the OP.  And use Parkers as an initial starting point.  But if you can provide evidence of the true market value of the car, then they are obliged to acknowledge this.  With it being a full 3rd party incident, the OP can refuse to settle until he is happy with the outcome.  Of course, he shouldn't expect more than market value, but the true market value he can expect. 

And you are correct, mods will unlikely be taken into consideration, hence why he should at least attempt to strip off the mods first (well, following any inspection that may be required).  Or, assuming his current policy is fully declared at a specialist insurer, with like-for-like cover and agreed valuation, then that can be used to try to squeeze out the mod money.

thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.
Yes this is what i was thinking re glass or parkers damn shame I have no where to strip it if that is the case.

Good stuff - push for a good repair then.

Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)
That's another issue I don't want a cat d damaged motor  :sad1: repairs habe to be bang on as when turning the steering I'm hearing some sort of grinding noise both left and right but mildly not major.

Really sorry to hear that mate. As everyone else has said at least your not hurt. I hope everything goes as smooth as possible regarding insurance and repair it   :wink:
Thank mate I hope so too.

If you push for a full repair rather than a payout, then the car wont be marked as written off on the V-Car register.  That is only for when a vehicle has been actually written off.  So if they offer to write it off and you buy it back, then it'll be CAT D (or C depending on the extent of the damage).  But if you just insist THEY repair it, it shouldn't be written off, and so shouldn't have a marker against it. 

They may refuse if the cost of repair is greater than the payout though.  But you don't have to accept their offer, so long as you are not unreasonable (so they wont pay out for a £15k repair bill on a £7k motor).  But they would likely write it off with a £5k repair bill, where you could argue you want it fixed.

Personally, I'd strip the mods, try to squeeze as much coin as possible out of them, and then shop for an ED30 myself.  Then again, this could all be for nothing, and they might actually just repair it.

Offline r5gtt

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Re: CRASHED THE BEAST :'(
« Reply #41 on: September 22, 2016, 03:24:20 pm »
Thats sh*t  :sad1:

Glad your ok and the insurance it going to sort it.
Thanks dazza let's hope they do sort it out. my estimate and the dealers parts prices suggest it will be written off and they'll probably offer me 5k ish and then buy the crap back but costs of repair won't be small as I think thr rack has taken some impact through both wheels and the noise I'm hearing  :sad1:


Offline r5gtt

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Re: CRASHED THE BEAST :'(
« Reply #42 on: September 22, 2016, 03:30:26 pm »
thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.

Of course the insurers will try do low-ball the OP.  And use Parkers as an initial starting point.  But if you can provide evidence of the true market value of the car, then they are obliged to acknowledge this.  With it being a full 3rd party incident, the OP can refuse to settle until he is happy with the outcome.  Of course, he shouldn't expect more than market value, but the true market value he can expect. 

And you are correct, mods will unlikely be taken into consideration, hence why he should at least attempt to strip off the mods first (well, following any inspection that may be required).  Or, assuming his current policy is fully declared at a specialist insurer, with like-for-like cover and agreed valuation, then that can be used to try to squeeze out the mod money.

thsnks @bonelorry

@Paradox1 I'm never going through an insurance company again as they screwed me over the last time and even the insurance ombudsman was on their side the barstuards stressed me out full on with depression.

I'm going to find a claim company who will sort this out and get my car fully repaired correctly or I want a full settlement of what I paid regardless of what the market value is as I have reciepts for everything.

Good luck with getting more than market value.  That's what GAP insurance is for, not regular insurance.  You should manage to get the money for a similarly specced example of your car though, so just look at the likes of Auto Trader and the like, and try and find the most expensive example similar to yours and push for that.  Cars lose value over time, and your insurance is meant to get you back to where you were pre-accident, not pre-purchase (GAP insurance covers this).

Best bet, if the car is to be written off, is to strip the car of any of your mods / features you like, then let them write it off.  But if the third party acknowledges full liability, then their insurance CANNOT write off your car.  Only you or your insurance company can do that.  So you could fight for a full repair at a place of your choosing.  It might be a fight though.  But remember, the car is YOUR property, and you have the right to request it to be fully repaired.  Not something you can request should your insurance company be liable.

Unfortunately , insurers do not use Autotrader when giving prices. They use official pricing guidelines for example Parkers guide.
If the price offered is unacceptable, you can refuse it and try to provide some evidence that you can not get an equivalent car, but often modifications are not taken into account.
The insurance should put you back into the same position as you were before.
I would just strip the car for the main parts and have it written off, or buy it back for £1000 or whatever, strip it and then advertise it for collection as a rolling shell on Ebay.
Yes this is what i was thinking re glass or parkers damn shame I have no where to strip it if that is the case.

Good stuff - push for a good repair then.

Yes - if they write off, you can usually buy back cheap, collect the payout, and repair yourself. Will be classed as a cat C or D though (depending how bad)
That's another issue I don't want a cat d damaged motor  :sad1: repairs habe to be bang on as when turning the steering I'm hearing some sort of grinding noise both left and right but mildly not major.

Really sorry to hear that mate. As everyone else has said at least your not hurt. I hope everything goes as smooth as possible regarding insurance and repair it   :wink:
Thank mate I hope so too.

If you push for a full repair rather than a payout, then the car wont be marked as written off on the V-Car register.  That is only for when a vehicle has been actually written off.  So if they offer to write it off and you buy it back, then it'll be CAT D (or C depending on the extent of the damage).  But if you just insist THEY repair it, it shouldn't be written off, and so shouldn't have a marker against it. 

They may refuse if the cost of repair is greater than the payout though.  But you don't have to accept their offer, so long as you are not unreasonable (so they wont pay out for a £15k repair bill on a £7k motor).  But they would likely write it off with a £5k repair bill, where you could argue you want it fixed.

Personally, I'd strip the mods, try to squeeze as much coin as possible out of them, and then shop for an ED30 myself.  Then again, this could all be for nothing, and they might actually just repair it.
I donr want to push for a repair as the left wing has also been pushed put so who knows how bad the damage is  :thinking: I'd be happy with 6000k without my mods as they're coming off as I won't get the value for these items. someone has said I'll only get 4.5 to 5 k if that as the engineer can onlt go by market value so not looking good atm :doh:
Best thing strip mods and get as must as I can off them.

Offline xs2man

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Re: CRASHED THE BEAST :'(
« Reply #43 on: September 22, 2016, 04:49:13 pm »
Quote
but I've found a few on trader £6500 7000 with same mileage 5door dsg so keeping them on file

If you have found a few at this price (say 3 or more), then make sure to save them as PDF's or whatever (I use cutepdf to save web pages personally, but newer windows versions have a save to pdf included now), and print them out as evidence (if you can get them to print with current date, even better).  That should be enough proof as to what the actual market value of your car is.  Check pistonheads and gumtree too for further evidence. 

With a car like the GTI, Parkers and the like often greatly under-estimates the true market value.  If you can prove that the market value, on a very similar car, is substantially higher, then you should have a decent case.  If you can find them closer to you, rather than national, even better.  Although you might be expected to travel farther for such a particular car, compared to the likes of a 1.6 Focus, which should be able to be picked up anywhere really.

Either way, I doubt you'll have much luck submitting a purchase receipt that's 15 months old and ask for your money back.  But if you find current examples similar to yours, at these sorts of prices, then you have a much stronger case.

Offline Rampage

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Re: CRASHED THE BEAST :'(
« Reply #44 on: September 22, 2016, 05:27:35 pm »
Really sorry to hear your bad news mate! You were just getting the car how you wanted it... always the way  :sad1:

Make sure you take plenty of ibuprofen as an anti-inflammatory, whiplash injuries can take upto a week to surface!

My 1st Mk5 gti had only 18k dry miles and was still as new when it was written off when a car t-boned me. Car was written off and the insurance tried to low ball me. I fought my corner and provided lots of examples of similar cars at the time. I ended up getting the offer upped... I even made a profit! Which went towards upgrading to my current ED30  :happy2:

Fight your corner pal and look after your health! Let me know if you need any help mate  :happy2: