Potential write off advice

bear1

As most of you know my car was in a bit of a serious collision the other day.
Other party at fault etc so I'll leave this part out.
Car is with the garage now who will be preparing the entire documentation that will be sent to the polish version of mibi.
Now, I've done a rough cost analysis of the parts needed but it's a very very rough estimate, and I'm getting worried that the car will be declared a write off.
I'll give the costs in the local currency to make it easier.
Took a loan of 30k pln and spent 26 on the car.
Current market value I'm guessing is around the 22k mark at best.
So far I've estimated that all parts (exterior) not including paint, Labour, potentially damaged oil cooler and the cost of the car rental I've been given, is coming up to 10k so almost half the value of the car.
Would any of you think that based on the above the car could be classes as an economical write off?
If it is declared as such would they simply pay back the market price? I.e. would they pay more to cover the cost of the entire car or simply pay minimum 50% of the cars value in repairs?
Maybe a stupid question but my first ever wreck like this

wonski

Why would they pay you 22k if the repair cost would be around 10k.

Sorry, just noticed it would not include the labour cost. It is low in Poland, though, so let the professionals deal with it.

Not a write off imo.

bear1

wonski wrote: »

Why would they pay you 22k if the repair cost would be around 10k.

Sorry, just noticed it would not include the labour cost. It is low in Poland, though, so let the professionals deal with it.

Not a write off imo.

It also wouldn't include the engine work or painting etc.
The 10k is just the bonnet, xenon, wing, parking sensors and tyre.
So say 5k on top of that.
Just was under the impression that once repairs reach a certain percentage of a cars value then the payer would declare it a write off

mickdw

Ya once the cost of the repair using new parts etc plus labour exceeds around 50 percent of cars value they tend to write off and pay out in full for the market value and then take ownership of the car.
I believe this saves money for the insurer who can then offer the car to the trade. The true repair cost to a trader may be substantially less than calculated cost using new parts and as such may pay a sum for the car that makes the overall cost less for insurer.
From customer side, you either get full repair cost or they buy your car at market value.

Del2005

Can you buy the wreck off them in Poland? They base the repairs on new OEM parts at main dealer rates. If you can find a garage to do the work with spurious or 2nd hand parts then you should be able to get your car back on the road even if it is declared an economic write off

bear1

Del2005 wrote: »

Can you buy the wreck off them in Poland? They base the repairs on new OEM parts at main dealer rates. If you can find a garage to do the work with spurious or 2nd hand parts then you should be able to get your car back on the road even if it is declared an economic write off

The way I understood it here is a bit weird.
I stand to be corrected but I was told that here the insurer will say ok the market value is 22k.
We don't want to pay the full repair cost so here is 10k and keep the car to make up the difference.
This is how it was explained to me but it just seems completely illogical to offer such a solution.
The garage seemed very confident that the mibi or if the person actually has insurance, his insurance company, will more than likely pay for it to be repaired but they will try and push for cheap Chinese type parts.
Maybe I'm sounding selfish or stuck up but I don't want 2nd hand or aftermarket parts put onto my car in order for this idiot to save money.
The garage said they will only order new parts directly from Alfa and invoices to back it up.
The only thing I have a choice in is if they decide to write it off and I disagree but then it's moved up a notch to legal proceedings.
The amount of carnage an uninsured driver can do is simply amazing.

bear1

I'm going to update this and also include a part which is seriously concerning me.
So the insurance company of the guy originally refused to pay out due to him having no insurance.
After a bit of back and forth they came back and provided their estimate to repair the car which seems way too low.
They quoted around 1500e to repair everything but the part they concern me with is that where possible they want to reuse the parts which are damaged and have them repaired..
Surely to god this couldn't be allowed?
I'm about to instruct the garage to deny their offer and that I only want the original parts from the manufacturer used and not my damaged bonnet for example being bent back in place and repainted.
What sort of action can I do here? Am I obliged to accept their offer or go further and risk the write off?

Dravokivich

bear1 wrote: »

The amount of carnage an uninsured driver can do is simply amazing.

Insured ones as well, I've recently had the insurance company of the person that hit me deny liability. Even though they had previously accepted it via phone and sent me a letter with an offer on the car.