Insurance claim

UDP

Hi,

Over a week ago I had a minor collision with another driver. The other driver was clearly at fault and I had a dash cam (thanks boards!) to prove it. It is over a week since the accident and there hasn't been much movement in getting the claim resolved.

Today I am told as my car is around 15 years old it might not be economical to repair it. The damage will probably only cost a few hundred to fix it but I see the same car on donedeal for about €800-900.

My question is this car is an excellent car that is highly reliable and never has any problems passing the NCT. I have had the car for over 7 years. I do not want to part with it to replace it with another car that is unknown with regards reliability etc.

Do I have to accept it if they decide that it is not economical to fix the car?

Stheno

You can agree with them that they will pay you the book value of the car, and you can then get it repaired.

The book value will probably not be as high as prices on donedeal.

UDP

Thanks.

Is there anywhere online that I can look up the book value of the car?

MugMugs

You can be compensated for its value and have it repaired yourself however you'll have to buy it back off them first as once they pay out, they own your car

awec

This post has been deleted.

jinkybhoy

awec wrote: »

AFAIK an economic write off depends on whether the cost of repair exceeds a certain % of the value of the car, not if it actually exceeds the cars value.

correct

UDP

Thanks everyone. After 3 weeks the insurance company have finally accepted liability. I have to get an estimate for the damage.

I am currently driving my existing car for short journeys but the front right indicator is busted up and covered with duct tape. I am concerned that I could get in trouble with the law by a garda or if I was involved in another collision in the meantime that not having a front right indicator (the one on the front right wing works) could be a negative against me in such a situation.

As suggested here there is a large possibility that this might end up as an economical write off. As my existing car has a very low value any payouts will not be enough to purchase a reliable car like the one I had so I will now have to spend a larger amount of money on a new car which means firstly finding a car to purchase and then sorting out finance from a bank. As it is close to Christmas this may take a few weeks.

Two questions:
1. Should I be looking for a rental car now to cover me driving at the moment even though it is just the front right indicator that is busted?
2. Am I in a position to request that I keep this rental car until I have purchased a replacement car?

miller50841

UDP wrote: »

Thanks everyone. After 3 weeks the insurance company have finally accepted liability. I have to get an estimate for the damage.

I am currently driving my existing car for short journeys but the front right indicator is busted up and covered with duct tape. I am concerned that I could get in trouble with the law by a garda or if I was involved in another collision in the meantime that not having a front right indicator (the one on the front right wing works) could be a negative against me in such a situation.

As suggested here there is a large possibility that this might end up as an economical write off. As my existing car has a very low value any payouts will not be enough to purchase a reliable car like the one I had so I will now have to spend a larger amount of money on a new car which means firstly finding a car to purchase and then sorting out finance from a bank. As it is close to Christmas this may take a few weeks.

Two questions:
1. Should I be looking for a rental car now to cover me driving at the moment even though it is just the front right indicator that is busted?
2. Am I in a position to request that I keep this rental car until I have purchased a replacement car?

Go to breakers or for the moment any motor factors and get orange tape to cover broken lense.
Don't drive with no indicator you are only looking for trouble

visual

UDP wrote: »

Thanks everyone. After 3 weeks the insurance company have finally accepted liability. I have to get an estimate for the damage.

I am currently driving my existing car for short journeys but the front right indicator is busted up and covered with duct tape. I am concerned that I could get in trouble with the law by a garda or if I was involved in another collision in the meantime that not having a front right indicator (the one on the front right wing works) could be a negative against me in such a situation.

As suggested here there is a large possibility that this might end up as an economical write off. As my existing car has a very low value any payouts will not be enough to purchase a reliable car like the one I had so I will now have to spend a larger amount of money on a new car which means firstly finding a car to purchase and then sorting out finance from a bank. As it is close to Christmas this may take a few weeks.

Two questions:
1. Should I be looking for a rental car now to cover me driving at the moment even though it is just the front right indicator that is busted?
2. Am I in a position to request that I keep this rental car until I have purchased a replacement car?

1) I know when I was getting a car fixed through the insurance that I was given a loan car, so ask your insurance company.

2) No once they have settled payment thats it your on your own

MugMugs

Aak for a rental. You're entitled to one. As for hanging on to it, negotiate with them. Tell them that you need the rental for at least seven days past receiving the cheque to look for a new car. All they can do is say no and all you can do is remind them that there is no personal injury and how fortunate that is