[worded]

Originally Posted by GB15

I don't see what harm there would be in letting your insurance company know - its not as if they're going to hold it against you that someone else crashed into your parked car.

.>>>> They dont need to know. It doesnt affect them.

Also surely its his insurance company that should be dealing with this. Why would your insurance need to get involved at all? He caused the damage, the bare legal minimum he should have is 3rd party which he should now be using to take care of this.

Unless I missed something?


>>>>> Having got a quote now and agreed its over his cash threshold, we have agreed to go through his insurance. They have been contacted.

Edit: Sorry I read over your posts a bit too quickly the first time around. Just read you saying you didn't want to screw the guy over. Thats pretty sound of you but in fairness if there was chassis damage I would be hoping that the car would be written off.

>>>>> Its the chassis "legs" which can be re aligned Im told. Its planned to be done with a Skoda main dealer. They wouldnt do it unless it was cool to do so I trust.

I'm sure body shop repairs can be good but knowing you're driving a car a which may have its structural integrity compromised in addition to having to inform potential buyers later on that it was in a crash would be a big price to pay.

>>>>>> I paid 6.7 for her 2 weeks ago. Was a long search for a beautiful, low mileage car. I plan to keep her for a few years. So all told I think it will be worth it, I hope.

Anyones thoughts?

[GB15]

I think there may be two things here. With regards to not wanting to cause the guy that caused it any unnecessary expense I don't think this is an issue. As the cost to repair it is running into thousands I'm assuming the guy is not going to fork out for it himself. He will have to use his insurance and I'm pretty sure whatever you save his insurance company will have negligible effect on his renewal quote.

The other thing is whether to repair the car or cut your losses and replace it. I'd personally replace it if I could but having said that I understand the frustration of looking for a car for a long time - its not easy to let go of it.

A possible solution would be to let his insurance company pay out for the car as a write off. You could then offer to buy the car back off his insurance company and fix it through an independent body shop. You may even end up with some cash to spare.

[worded]

Originally Posted by GB15

I think there may be two things here. With regards to not wanting to cause the guy that caused it any unnecessary expense I don't think this is an issue. As the cost to repair it is running into thousands I'm assuming the guy is not going to fork out for it himself. He will have to use his insurance and I'm pretty sure whatever you save his insurance company will have negligible effect on his renewal quote.

The other thing is whether to repair the car or cut your losses and replace it. I'd personally replace it if I could but having said that I understand the frustration of looking for a car for a long time - its not easy to let go of it.

A possible solution would be to let his insurance company pay out for the car as a write off. You could then offer to buy the car back off his insurance company and fix it through an independent body shop. You may even end up with some cash to spare.

> We have agreed insurance not cash
> I may get 15% of the quote for depreciation of the car. (from the ins co I hear)

Write off. I wonder what they would offer to sell it back to me for?

Repairs - there is a long list of parts needed and its a serious repair job.
I really think a Skoda dealer could do the best job for me. Pricey but hopefully an excellent job.

All going well I will use the car for 3 years, perhaps more and sell it after that. I think I will get a run for my money. I know its a Skoda Octavia but its a pristine one.