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crashed my car into a wall, what next?

  • 22-02-2010 3:35pm
    #1
    pajonky
    Closed Accounts Posts: 6 ✭


    Hi
    I crashed my car into a wall a week ago, no one was involved. The bumper and front light are to be replaced. I went through insurance (hibernian). Didnt get the report from eng who looked at my car yet, but the garage told me that it looks like damage to the car exceeds the 70% of the value of the car. (seat ibiza '02 worth ~3k)

    My question is: what next? Will i be able to repair the car on my own and get the car back on the roads? Or the car goes to the scrap yard? Will the insurance give me some money?

    The only things to repair are bumper and lamp!

    Cheers,
    J.


Comments

  • #2
    John_Mc
    Registered Users, Registered Users 2 Posts: 2,793 ✭✭✭John_Mc


    pajonky wrote: »
    Hi
    I crashed my car into a wall a week ago, no one was involved. The bumper and front light are to be replaced. I went through insurance (hibernian). Didnt get the report from eng who looked at my car yet, but the garage told me that it looks like damage to the car exceeds the 70% of the value of the car. (seat ibiza '02 worth ~3k)

    My question is: what next? Will i be able to repair the car on my own and get the car back on the roads? Or the car goes to the scrap yard? Will the insurance give me some money?

    The only things to repair are bumper and lamp!

    Cheers,
    J.

    Wouldn't have thought a bumper and lamp x 2 would cost 70% of 3k?


  • #3
    antodeco
    Registered Users, Subscribers, Registered Users 2 Posts: 13,630 ✭✭✭✭antodeco


    There could be chassis damage aswell. If they consider it a BER they will issue you with a settling amount. Just remember though, you dont have to accept it. Get an independant mechanic to check it over if you want.


  • #4
    Cuddlesworth
    Registered Users, Registered Users 2 Posts: 14,012 ✭✭✭✭Cuddlesworth


    pajonky wrote: »
    1. My question is: what next?
    2. Will i be able to repair the car on my own and get the car back on the roads?
    3. Or the car goes to the scrap yard?
    4. Will the insurance give me some money?
    The only things to repair are bumper and lamp!

    Cheers,
    J.
    1. Insurance company will give you the value of the car minus about 20% if you have comprehensive At 70% value they will not repair. If no comprehensive insurance, you get nothing.
    2. Maybe, if you don't take the money from the insurance company then there is no claim and you can try to repair it yourself.
    3. If you take the money, yes.
    4. See above


    the only things that you can see are the bumper and lamp. There are parts behind that you know.


  • #5
    pajonky
    Closed Accounts Posts: 6 ✭pajonky


    John_Mc wrote: »
    Wouldn't have thought a bumper and lamp x 2 would cost 70% of 3k?

    I know!

    When i went to the garage before ringing insurance, mechanic told me that the cost will be around 500e.
    The guy from ins company said it will cost around 2k - new parts and labor!

    Dont get that at all!
    Dont know what to do now...


  • #6
    pajonky
    Closed Accounts Posts: 6 ✭pajonky


    btw, have fully comp,

    the insurance told me that i wont loose no claim bonus, cos no one was involved, and the garage told me that i wont have to pay the excess (from my policy) 300e as well...
    So then i decided to go through insurance...


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  • #7
    kaizersoze
    Registered Users, Registered Users 2 Posts: 7,042 ✭✭✭kaizersoze


    pajonky wrote: »
    btw, have fully comp,

    the insurance told me that i wont loose no claim bonus, cos no one was involved, and the garage told me that i wont have to pay the excess (from my policy) 300e as well...
    So then i decided to go through insurance...

    I'd take that with a pinch of salt unless you have 'no claim bonus protection' on your policy. A claim is a claim whether or not anyone else was involved or not. If I was told that I'd be looking for it in writing.


  • #8
    Gregor Samsa
    Registered Users, Registered Users 2 Posts: 9,138 ✭✭✭Gregor Samsa


    pajonky wrote: »
    crashed my car into a wall, what next?

    A tree?


    :pac:


  • #9
    pajonky
    Closed Accounts Posts: 6 ✭pajonky


    antodeco wrote: »
    T Get an independant mechanic to check it over if you want.
    Cheers :)
    But what will that change? If the guy from ins company thinks the damage exceeds 70% of the car value, can i get other mechanic to look at that and price it for less?


  • #10
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,820 ✭✭✭✭galwaytt


    ..don't forget to fix the wall.. :)

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #11
    Max_Damage
    Closed Accounts Posts: 5,461 ✭✭✭Max_Damage


    I recently crashed my car (Ford Escort) into a wall (skidded on some ice). Anyway, I didn't bother going through the insurance, they'll screw you in the coming years, plus you'll loose your NCB. So I paid for all of the repairs out of my own pocket, even though it was quite expensive.


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  • #12
    pajonky
    Closed Accounts Posts: 6 ✭pajonky


    Max_Damage wrote: »
    I recently crashed my car (Ford Escort) into a wall (skidded on some ice). Anyway, I didn't bother going through the insurance, they'll screw you in the coming years, plus you'll loose your NCB. So I paid for all of the repairs out of my own pocket, even though it was quite expensive.
    Thanks, I think i'll do the same...


  • #13
    Sand Wedge
    Registered Users, Registered Users 2 Posts: 226 ✭✭Sand Wedge


    Hi OP,

    I recently crashed my car, Value of my car was €2,800 before crash and repair costs were estimated at €2,700. They repaired my car and did not offer settlement. My insurance was with Hibernian also. I rand up and asked why they had decided to repair my car and they said that it is a change of policy that they now try and repair most cars and do not settle. So i would guess that unless cost of repairs is greater than value of car they will repair your car.


  • #14
    TestTransmission
    Registered Users, Registered Users 2 Posts: 19,106 ✭✭✭✭TestTransmission


    Max_Damage wrote: »
    I recently crashed my car (Ford Escort) into a wall (skidded on some ice). Anyway, I didn't bother going through the insurance, they'll screw you in the coming years, plus you'll loose your NCB. So I paid for all of the repairs out of my own pocket, even though it was quite expensive.

    Surely it would of been cheaper to buy a new Escort?


  • #15
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,852 Mod ✭✭✭✭Henry Ford III


    Cuddlesworth wrote: »
    1. Insurance company will give you the value of the car minus about 20% if you have comprehensive At 70% value they will not repair. If no comprehensive insurance, you get nothing.
    2. Maybe, if you don't take the money from the insurance company then there is no claim and you can try to repair it yourself.
    3. If you take the money, yes.
    4. See above


    the only things that you can see are the bumper and lamp. There are parts behind that you know.

    They'll give you full trade value I believe


  • #16
    Max_Damage
    Closed Accounts Posts: 5,461 ✭✭✭Max_Damage


    TestTransmission wrote: »
    Surely it would of been cheaper to buy a new Escort?

    One could debate that. Their is the risk of buying another 2nd hand car and it turning out to be a heap of shíte. So I decided to repair the Escort instead. Plus I had only passed the NCT about a month prior to he crash.

    It's a grand reliable car anyway.


  • #17
    TestTransmission
    Registered Users, Registered Users 2 Posts: 19,106 ✭✭✭✭TestTransmission


    How much were the repairs?


  • #18
    Max_Damage
    Closed Accounts Posts: 5,461 ✭✭✭Max_Damage


    €600 for the car.

    Alot more for the wall. It was a dry stone wall, which means it needs more specialist stonemasons to do the job.


  • #19
    TestTransmission
    Registered Users, Registered Users 2 Posts: 19,106 ✭✭✭✭TestTransmission


    :eek: Must be love


  • #20
    conor86
    Users Awaiting Email Confirmation Posts: 48 ✭conor86


    I hit a van monday last and since i'm 3rd party he getting a new van, insur up too nxt wk, engine fine. Thinking about fixing it or put the engine in a newe body? here a picture


  • #21
    mickdw
    Registered Users, Registered Users 2 Posts: 23,684 ✭✭✭✭mickdw


    For the OP.
    If they are writing it off, they will have to pay its reasonable market value & they then own the car. You can make a deal with them to reduce the pay out by what ever the scrap value is & let you keep the car. You can then repair it.


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  • #22
    BostonB
    Closed Accounts Posts: 18,056 ✭✭✭✭BostonB


    You may be able to get it fixed (and properly) a far less cost than a insurance company will charge.


  • #23
    conor86
    Users Awaiting Email Confirmation Posts: 48 ✭conor86


    Well it going through the insurance, hoping it won’t be over 5k (for the other van) because FBD won’t insure you. The car is a 2L diesels corolla 97, is it worth save with chasses damage? I’m driving the brother Nissan and its 20euro more a week in fuel:mad:


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