Can you refuse insurance fixing the car and take money isntead?

7Tdriver

Thanks for the answers ''Random Access'' seemed to get my ponit bang on this thanks for your advice anyway.


My quarie is can I refuse to get it fixed or can I get it financially written of where I can keep the car and get the moeny for the damage or just the money and the car can be written of all together, the reason for that is that I do not want to drive this car after its been involved in an inccident the door will be resprayed and more then likely it will be very evident that its resprayed and when it comes to selling it the value for resale is going to drop and it will become much harder for me to sale this car in a year or so.

What are my otions ? she is insuraed with 123.ie

Thank you in advance for you replys

CiniO

Decision if car will be written off or not is up to insurance company.

If quote for repair is f.e. 3000, they obviously you will have a choice of getting a car repaired or keeping the car as it is, and taking 3000 in cash.

Kenny Logins

Just because the door got a knock?

john kinsella

You are a 3rd party.

After their Assessor calculates the amount of damage they will pay you by cheque once you agree. If they write it off they may keep the car themselves for salvage. (If you arent happy with the value offered then you can appoint your own motor assessor)
But they won't repair ir themselves as you have no contract with them.

Different story with her car, they will probably fix her car themselves through their repairers.

Super hoop

You can get the cash value of the repair less the vat total.

7Tdriver

Kenny,

Your answer seems irelevant to my queastion and i respect that everyoen has their right to their opinion but I really dont want my car to be painted specially the side of it as it will be cleearly evident that the shade on the door is going to be differen tto the whoel car as the car is 8 years old by now and hardly any garage can match a colour to the car absolutley perfect I have seen lots of paint jobs before.

Stheno

7Tdriver wrote: »

Kenny,

Your answer seems irelevant to my queastion and i respect that everyoen has their right to their opinion but I really dont want my car to be painted specially the side of it as it will be cleearly evident that the shade on the door is going to be differen tto the whoel car as the car is 8 years old by now and hardly any garage can match a colour to the car absolutley perfect I have seen lots of paint jobs before.

You can just take the cash and arrange your own repair.

You'd be surprised how good car repairs can be these days, most professional bodyshops "age" the paint to match it to your current paintwork.

Kenny Logins

7Tdriver wrote: »

Kenny,

Your answer seems irelevant to my queastion and i respect that everyoen has their right to their opinion but I really dont want my car to be painted specially the side of it as it will be cleearly evident that the shade on the door is going to be differen tto the whoel car as the car is 8 years old by now and hardly any garage can match a colour to the car absolutley perfect I have seen lots of paint jobs before.

I have had a panel replaced on a tricky metallic colour, and they got it right on the third attempt (at their own expense).

I wouldn't give up on the car just yet, you may have the option to take the estimate in cash and sell the car off as damaged/repairable, rather than writing it off...

7Tdriver

Taking the cash - VAT for the repairs seems to be the best option by far. Hopefully the assesor will asses the damage accordingly to the original BMW door parts. I havent seen the internal part of the door if any parts inside have been damaged spekaer holders, window lifters, centre locks, etc. at the moment I assume that the door and the trim of the door outside is the only damage but it is yet to be seen is any damaged has occured on the inside of the door because the dent is pretty deep and large in radius.

MuppetCheck

Can you throw up a pitcure of tha damage? What colour is the car?

I can't see a car being written off for a door.

PeterStrauss The Second

Respray the entire car after the door is replaced?

djimi

What good is the cash value of the repair to you when you are going to be left with a now crashed car that has virtually no resale value?

MuppetCheck

djimi wrote: »

What good is the cash value of the repair to you when you are going to be left with a now crashed car that has virtually no resale value?

It's a door. Unless someone fixes it with gaffer tape and tin foil it's not going to make a blind bit of difference to a soon to be 9 year old cars value.

djimi

MuppetCheck wrote: »

It's a door. Unless someone fixes it with gaffer tape and tin foil it's not going to make a blind bit of difference to a soon to be 9 year old cars value.

Maybe Im looking at it wrong but in my mind a repaired car is going to be worth more than a crashed car plus repair costs (assuming the damage is reasonably significant). Might not be a lot of difference in an 8 year old car, but I dont see what the OP really has to gain by refusing the repairs, and ending up with a crash damaged car to deal with.

RandomAccess

Its all about the painting, if we all drove deloreans it wouldnt matter a damn if a wing or door got smashed in an accident, it could be rebuilt new with a new part and thats the end of the story. But when paint comes into it its a bollox, paint shops just can't seem to match the paint to the original colour. Getting it right on the third attempt is a good thing? Who enjoys that hassle.

The worst thing is the, ah shure its only a car, or nobody will notice that shure. Attitude. Best way to sum that up is "if I spat in your dinner would you still eat it?"

Just bloody annoying, in some ways there should be a you break it you buy it clause. The insurance company can repair it but its there problem then and the innocent party should be able to get a replacement. However its with older cars that have been well cared for that this is a real problem since its practically impossible to find a replacement thats in as good condition.

Pet Peeve of mine anyway, but you'd hardly tell that from the rant above

Kenny Logins

RandomAccess wrote: »

Getting it right on the third attempt is a good thing? Who enjoys that hassle.

My point was that the repair will only be visible if you accept a poor quality job, and I agree - it should be done right the first time.

RandomAccess

Kenny Logins wrote: »

My point was that the repair will only be visible if you accept a poor quality job, and I agree - it should be done right the first time.

Just on this, I know paint matching is supposed to be difficult, but its shameful that it is the consumer who has to quality control the work and reject it, when it should never have been presented to them in a subpar state in the first place. The insurance company should have a stake in the asset being repaired, then they might be bothered to ensure it gets repaired to the best possible standard.

A service like that might actually be worth paying extra for instead of the other crap they try to flog at renewal time. I know I would rather choose a policy with this than one without it.

djimi

RandomAccess wrote: »

Just bloody annoying, in some ways there should be a you break it you buy it clause. The insurance company can repair it but its there problem then and the innocent party should be able to get a replacement. However its with older cars that have been well cared for that this is a real problem since its practically impossible to find a replacement thats in as good condition.:D

And we would all end up paying about €5k a year in insurance premiums...

MarkR

What is the OP going to do with the car once he gets the money? What kind of money can he expect to get for the cost of a repair? I'm just curious about the maths behind this.

Sleepy

Take the money for a new replacement parts, find a decent independent and get a replacement from a breakers.

antocann

op's car after being repaired

dredg

7Tdriver wrote: »

Allright I have a queastuion here in relation to a recent accident a lady has reversed into my BMW 04 3 days ago or so and she fully admits her fault etc. and her insurance company is gone send out an assesor in the next 48 hours to asses the damage to my car. The damage is to the passenger door it will definetly will need to be replaced probably will be replaced with a new BMW orginal door.

My quarie is can I refuse to get it fixed or can I get it financially written of where I can keep the car and get the moeny for the damage or just the money and the car can be written of all together, the reason for that is that I do not want to drive this car after its been involved in an inccident the door will be resprayed and more then likely it will be very evident that its resprayed and when it comes to selling it the value for resale is going to drop and it will become much harder for me to sale this car in a year or so.

What are my otions ? she is insuraed with 123.ie

Thank you in advance for you replys

My car was in an accident a few months ago - van hit the wheel arch. Took it to Dennings and they did a fantastic job on the repair. They're bmw approved, have all the right paint and they do excellent work. You'd never know the car had ever been in an accident. They're not cheap, but the quality is worth the price and you're not paying for it.
http://www.denningsgarage.com