Insurance claim, not happy

Duncan31

Ok, Had a small accident with the car, quoted 4500 to repair with about 2400 parts (at main dealer prices) & 2100 labour. Bumper, wing door etc. Ive looked closely at it & all the parts listed are actually required as headlights have broken lugs and lots of plastic bits broken like that.
Anyway, I located used parts from a breakers & intended to settle with the insurance for a cash amount (agreed repair cost less VAT). They were fine with this.
Now after assessor visit, he has agreed a price with my garage of 2,800 total even though he agreed that all parts listed were needed. How can this be when parts prices are 2400!

I figure it might be an underhand tactic from the garage to prevent me going the cash settlement route then if they get the car in, they will claim extras based on what they see when they strip it (as is allowed).

Anan1

He's agreed €2800 to repair the car with all new parts (ie to do exactly the same work for which you were quoted €4500? What's your preferred outcome here?

Jimbob 83

Duncan31 wrote: »

Ok, Had a small accident with the car, quoted 4500 to repair with about 2400 parts (at main dealer prices) & 2100 labour. Bumper, wing door etc. Ive looked closely at it & all the parts listed are actually required as headlights have broken lugs and lots of plastic bits broken like that.
Anyway, I located used parts from a breakers & intended to settle with the insurance for a cash amount (agreed repair cost less VAT). They were fine with this.
Now after assessor visit, he has agreed a price with my garage of 2,800 total even though he agreed that all parts listed were needed. How can this be when parts prices are 2400!

I figure it might be an underhand tactic from the garage to prevent me going the cash settlement route then if they get the car in, they will claim extras based on what they see when they strip it (as is allowed).

Just show him the bill for parts and labour , they are just chancing their arm tbh , who is your insurer ?

Jimbob 83

Anan1 wrote: »

He's agreed €2800 to repair the car with all new parts (ie to do exactly the same work for which you were quoted €4500? What's your preferred outcome here?

Yes because he is going to come over and fix it himself

Read the Original post

andyseadog

theres no way to tell exactly whats needed to do the repair until a strip down and rebuild has begun, more parts may have been needed that weren't initially thought.


but as above, the price has nearly halved, keep your head down and be thankful

Duncan31

Anan1 wrote: »

He's agreed €2800 to repair the car with all new parts (ie to do exactly the same work for which you were quoted €4500? What's your preferred outcome here?

Knowing the guy, he has no intention of doing it for that price in the end.
Either he is going to claim additional stuff once he strips it or he is going to attempt to leave alot of the broken stuff underneath.
He has also scuppered my plan for the cash settlement.

He is a bit of a twister tbh & I will be seeing him tomorrow. See what his angle is because believe me, he has one. There was no reason to agree such a price, assessor agreed all parts are required so nobody should have to cut their labour such an amount when there is a fair bit of work & painting required

andyseadog

Either he is going to claim additional stuff once he strips it or he is going to attempt to leave alot of the broken stuff underneath.

its not unusual (as i said above) for more parts to be required once a strip down has begun.

Duncan31

Jimbob 83 wrote: »

Just show him the bill for parts and labour , they are just chancing their arm tbh , who is your insurer ?

Axa

Duncan31

andyseadog wrote: »

its not unusual (as i said above) for more parts to be required once a strip down has begun.

I know that but in this case, everything is visible once headlight is out & it already has been out to check. Still that is beside the point. The list of parts as currently observed are needed & this cannot be done at the price even with parts discounts etc.

Trampas

maybe the garage tried to overcharge you and the assessor seen right through it.

Duncan31

There is that possibility on the labour portion of the works but again, Ive had a good look & every part listed is needed. This is a 2 year old Audi. What would be a reasonable price for labour & paint materials for passenger side wing replacement & painting, bumper replacement & painting, bit of scrape down the door to be repaired together with fitting headlight, headlight brackets (not front panel), headlight washer etc & spotlight. Its all bolt on stuff but I cant see any garage doing the painting & the reassembly for a few hundred. I would have thought that amount of work was worth about 1500 of anyones money??

Pkiernan

It depends on whether you are looking to get your car fixed, or to make a bit of cash for yourself.

Curious as to why it would make a difference to you if the garage fixes it and charges the insurance company more than the €2800 figure. Will your premium go up based on the cost of the accident repair?

Duncan31

Well its a long story but accident wasnt my fault, hit animal and cannot get anything off the owner so having to claim off my own insurer. Now, at 2,800, its borderline as to whether its worth claiming. The animal owner got the 4,500 quote too & maybe if he got a quote of 2800, he might have paid up.
Anyway my plan was to get the cash settlement of maybe 3,500, get used bits & have something left to cover increase in insurance cover over the next few years. As it stands, garage has completely blocked this plan. I losing out still as car will be worth that bit less etc.

Meself

Trampas wrote: »

maybe the garage tried to overcharge you and the assessor seen right through it.

theres your answer.... One of the main reasons insurers employ assessors is to look at and agree estimates from garages. Garages may add uneccessary parts / labour onto an estimate and/or overcharge in general. ( Of course not all garages stick the hand in but it happens often )

Duncan31

Well Im pissed with the garage due to this crap. Whatever way it works, they were not being straight. So I will be visiting them tomorrow. Seeing what the story is. I want to know how he proposed to do the work requiring 2400 worth of parts for 400 including a fair bit of paint work, the 400 including buying paint too. These garages are not usually in the habit of passing trade purchasing discounts on to the customer - which is what would have to be happening here if that price is right. Im 100% certain of the parts needed.
Update tomorrow

.irishman123.

i,m looking for advice myself driving a peugeot 206 crashed on the icy roads before xmas car is valued at 2000euros repairs will cost 3384euros so car will be wrote off :mad:assesser has offered 1300euros should i take it or try to hold out for more any advice would be of help thanks

robtri

whats the year of the car???

the original quote might have been for all new parts from a main dealer..
if the car is over a certain age a lot of insurance companies insist on suprious parts for repairs.
take that into acount, and some trimming down on labour costs.. it is possible to see the drop in costs that u seen....
and no one is in the wrong.. or doing anything underhand

robtri

.irishman123. wrote: »

i,m looking for advice myself driving a peugeot 206 crashed on the icy roads before xmas car is valued at 2000euros repairs will cost 3384euros so car will be wrote off :mad:assesser has offered 1300euros should i take it or try to hold out for more any advice would be of help thanks

who valued your car at 2000 euro before xmas???

what year and spec is she???

.irishman123.

the car is 2001 when we were looking for a car the price was about 1950euros i bought for 1850euros we insured for 2000euros
thanks

.irishman123.

the car is a high spec rain sensitive wipers sunroof air con etc