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Chassis Damage Advise Please

  • 16-01-2017 2:43pm
    #1
    cajonlardo
    Registered Users, Registered Users 2 Posts: 1,026 ✭✭✭


    I have a 12 year old car with crash damage to the chassis behind the bumper reinforcing bar. Panel beater says it can be fixed but estimates the repair work to be over €1200. Before accident it was probably worth €2000 -€2500

    On paper, this wouldn't make sense and the panel beater said that. He thinks the insurance company will write off. I have an insurance guy calling tomorrow to look at it. Any advise on how I should go about this? Here is the thing. To me personally the car is worth a lot more than its market value. Mechanically it is 100%. I do all the servicing and repairs myself.Body work other than the damaged bits is very good.

    If I got a reputable panel beater to do the work would it be an issue on nct or should a good panel beater guarantee the work?

    Thanks


Comments

  • #2
    bazz26
    Registered Users, Registered Users 2 Posts: 51,362 ✭✭✭✭bazz26


    If they do declare it an economical write off then I think they will pay you it's market value less scrap value. It then becomes their property which they normally just sell onto a breaker. I think if you want to keep the car and repair it yourself then you would have to buy it back off them at agreed scrap value. Depending on the severity of the damage you could have a problem insuring it and might need an engineers report to state it's roadworthy once repaired. This is all my understanding anyway.


  • #3
    Aint Eazy Being Cheezy
    Registered Users, Registered Users 2 Posts: 4,632 ✭✭✭Aint Eazy Being Cheezy


    You don't have to accept a write off. Tell the insurance company you'd need it repaired.


  • #4
    9935452
    Registered Users, Registered Users 2 Posts: 2,835 ✭✭✭9935452


    Aint Eazy Being Cheezy wrote: »
    You don't have to accept a write off. Tell the insurance company you'd need it repaired.

    The insurance company have the option of an economical write off .
    They can pay out the market value of the car which in a case like this they would likely do


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