Write off

buttercups88

So I was rear ended and my boot is now pretty much in the back seat so I'm assuming it will be a write off. The car is 6 years old, and seems to be going for about 6-7k on auto trader etc, if it is written off how much should I expect to get from insurance.

In unlikely event they say it is repairable can I push for it to be written off as I dont think there will be any resale value and no garage will want to touch it...

(Other party has claimed total liability so that's no issue)

Gorgeousgeorge

what you get will be totally up to the insurance assessor. cant really push for it to be written off they will just look at it from a financial point of view. worth 6-7k and 10k to fix they will write it off. worth 6k and a 3k fix it MIGHT be repaired.

thats just in my experience so only the assessor will know

Cee-Jay-Cee

Absolutely guaranteed to be written off if the rear end is completely crushed. Even if the car were less than a year old it would be written off.

The assessor will take one look at it and write it off. Dont accept the first offer they make. Find out what it would cost you to replace it with an identical car with same spec and mileage etc etc and then add on €1000 for your troubles (so long as you aren’t pursuing a personal injury claim) Theyll be happy to close the case at that.

Cee-Jay-Cee

Cee-Jay-Cee wrote: »

Absolutely guaranteed to be written off if the rear end is completely crushed. Even if the car were less than a year old it would be written off.

The assessor will take one look at it and write it off. Dont accept the first offer they make. Find out what it would cost you to replace it with an identical car with same spec and mileage etc etc and then add on €1000 for your troubles (so long as you aren’t pursuing a personal injury claim) Theyll be happy to close the case at that.

There's no way the car is a write off and the OP wont have suffered personal injury - assuming he was in the car.

HailSatan

Deleted User wrote: »

There's no way the car is a write off and the OP wont have suffered personal damage - assuming he was in the car.

There's no such thing as whiplash and soft tissue injuries according to insurance companies.

HailSatan

HailSatan wrote: »

There's no such thing as whiplash and soft tissue injuries according to insurance companies.

They being highly objective :P

GustavoFring

They might repair it. My missus did about 4K of damage to her last car (left the handbrake off and it went down a hill and straight through a wall). At the time the car was worth about 5.5k max and it was repaired.

grogi

Once the floor is moved, the car is beyond safe repair. There is no money that can change that.

bennyc

They will value the car on how much you paid for it, so if you bought it in a private sale on donedeal you will get a value on the average price a car cost from private sales. If you bought it form a dealer then they will give you an average based only on dealer prices. If you got it in the north and imported then thats where they will get the value. So when you get the call from the adjusters be ready to big up the price of the car, maybe you got it from a dealer who is now out of business . From my experience the assessor will just assess the damage and send a report back to the insurance company and the adjusters will contact you. I did not have a good experience dealing with them but it was me (son) who did the damage on both my car and a third party.

Cee-Jay-Cee

[Deleted User] wrote: »

There's no way the car is a write off and the OP wont have suffered personal injury - assuming he was in the car.

If the boot floor has crumpled so far that the rear of the car is now where the rear seats should be (as the OP has stated) then that is severe structural damage and the floor pan is also highly likely twisted/bent...They will not repair the car.

Pardon my French but how the fcuk do you know the OP didn’t suffer any injuries? Were you there? Are you a doctor??? It would take a considerable impact to push the boot area in as far as the rear seats and if the OP was in the car, injuries are quite likely

bladespin

Deleted User wrote: »

There's no way the car is a write off and the OP wont have suffered personal injury - assuming he was in the car.

Way! It's very easy to write a car off and not be injured.

I lost my beloved Alfa that way, low (ish) speed but head on, other driver wrong side of the road, I got out (eventually), insurance wrote it off (over k at the time), I was sure it wasn't too bad lol.

bladespin

bladespin wrote: »

Way! It's very easy to write a car off and not be injured.

I lost my beloved Alfa that way, low (ish) speed but head on, other driver wrong side of the road, I got out (eventually), insurance wrote it off (over k at the time), I was sure it wasn't too bad lol.

Speaking specifically about the OP where he was rear ended to the point the car being a write off - I don't see him coming away without injury... unless he's Bruce Willis... Hang on, are you Bruce Willis OP :eek:

Cee-Jay-Cee

Cee-Jay-Cee wrote: »

If the boot floor has crumpled so far that the rear of the car is now where the rear seats should be (as the OP has stated) then that is severe structural damage and the floor pan is also highly likely twisted/bent...They will not repair the car.

Pardon my French but how the fcuk do you know the OP didn’t suffer any injuries? Were you there? Are you a doctor??? It would take a considerable impact to push the boot area in as far as the rear seats and if the OP was in the car, injuries are quite likely

You're excused, now read what I said again. I'm saying the OP almost certainly suffered injuries.

Del2005

[Deleted User] wrote: »

Speaking specifically about the OP where he was rear ended to the point the car being a write off - I don't see him coming away without injury... unless he's Bruce Willis... Hang on, are you Bruce Willis OP :eek:

If the car was doing what it's designed to do the OP shouldn't have serious injuries. Cars are designed to disintegrate now to dispel the energy of the crash, so a car can be destroyed and the passengers can be uninjured because that's what they want to happen.

The OP doesn't say what car it is. Plenty of cars have a tiny distance between the rear seat and rear of the car, so not much force required to push a small hatchback to the seats compared to a full sized estate.

Vicxas

When we got shunted from behind the car was written off for what the market value of the car was.

Similarly a friend of mine got a Cat D write-off and it was also Marney value

colm_mcm

bennyc wrote: »

They will value the car on how much you paid for it, so if you bought it in a private sale on donedeal you will get a value on the average price a car cost from private sales. If you bought it form a dealer then they will give you an average based only on dealer prices. If you got it in the north and imported then thats where they will get the value. So when you get the call from the adjusters be ready to big up the price of the car, maybe you got it from a dealer who is now out of business . From my experience the assessor will just assess the damage and send a report back to the insurance company and the adjusters will contact you. I did not have a good experience dealing with them but it was me (son) who did the damage on both my car and a third party.

Sorry. But that doesn’t sound correct.

mgbgt1978

You're being very kind there Colm.
Total and utter nonsense would describe the first sentence....and so on.

HailSatan

Del2005 wrote: »

If the car was doing what it's designed to do the OP shouldn't have serious injuries. Cars are designed to disintegrate now to dispel the energy of the crash, so a car can be destroyed and the passengers can be uninjured because that's what they want to happen.

The OP doesn't say what car it is. Plenty of cars have a tiny distance between the rear seat and rear of the car, so not much force required to push a small hatchback to the seats compared to a full sized estate.

I rarely agree with you Del but you're on the money there.:pac::pac::pac::pac:

It would be unpossible to be injured in a car made after 1973

bennyc

colm_mcm wrote: »

Sorry. But that doesn’t sound correct.

Well that was my experience, few threads on here will confirm the same. assessor wrote off the car, adjusters called me to work out the price of the car, you are only going to get what you are out not what the market prices say, so make sure if you bought the car for cash on a good deal you dont confirm that.

theoneeyedman

Go to the revenue VRT calculator site, what you'll be offered in the case of a write off will be very close to the open market value there. Won't matter whether you bought it from a dealer, private, up North, or from your granny, the value is the value. Whether you accept it is up to you - I had a car written off a few years ago and the car was valued at about 800 more on the VRT than what I was seeing them advertised for, and that was more or less the offer I got.

mgbgt1978

You were very fortunate to be offered the OMSP at the start of the process. That would not match most people's experience.

theoneeyedman

mgbgt1978 wrote: »

You were very fortunate to be offered the OMSP at the start of the process. That would not match most people's experience.

Yea, possibly, car wasn't of great value money wise (I rated it @ around 1k at the time, and I got 1850 for it), but that was the offer and TBH i took it - that was my limited experience of the process anyway, I can't even recall the insurance company it was tbh, it wasn't a claim off my insurance.

bennyc

theoneeyedman wrote: »

Yea, possibly, car wasn't of great value money wise (I rated it @ around 1k at the time, and I got 1850 for it), but that was the offer and TBH i took it - that was my limited experience of the process anyway, I can't even recall the insurance company it was tbh, it wasn't a claim off my insurance.

In my own experience the car was imported from the north, i got the value from the north on a private sale, I argued the value of the car at the time and provided carzone prices as they were only going by donedeal, now its worth mentioning that it was my car that was at fault, maybe its a different experience when you are claiming off someone else's insurance as they might want to get it sorted fast and without hassle.

Del2005

Del2005 wrote: »

If the car was doing what it's designed to do the OP shouldn't have serious injuries.

Have you ever been rear-ended doctor?

You're talking BS.

I was rear ended about two months ago and by looking at my bumper you'd think NO damage was done to the car.

The assessor (insurance company's assessor) inspected and said the whole bumper was compromised, as was the metal bar making up the bumper. I suffered back pain and nerve damage, and yet the car looked fine. Now we have the OP's car and the back crumpled. And you think his body had no effect.

I'd go further what I think of your analysis but I'd get carded.

HailSatan

Deleted User wrote: »

I'd go further what I think of your analysis but I'd get carded.

Wildly Boaring

You should get the market value of the car OR whatever you've insured it for. Whichever is lower.

This is how insurance should work and in my very limited experience I got market value (over 10 years ago) after a mild struggle.

ohnonotgmail

Deleted User wrote: »

Have you ever been rear-ended doctor?

You're talking BS.

I was rear ended about two months ago and by looking at my bumper you'd think NO damage was done to the car.

The assessor (insurance company's assessor) inspected and said the whole bumper was compromised, as was the metal bar making up the bumper. I suffered back pain and nerve damage, and yet the car looked fine. Now we have the OP's car and the back crumpled. And you think his body had no effect.

I'd go further what I think of your analysis but I'd get carded.

100% this. I was rear ended 6 weeks ago and i am still in daily pain because of it. My gp tells me i could be like this for 6 months. Anybody who says that you cannot be injured in a car that is rear ended is talking out of their rear end.

ohnonotgmail

Wildly Boaring wrote: »

You should get the market value of the car OR whatever you've insured it for. Whichever is lower.

This is how insurance should work and in my very limited experience I got market value (over 10 years ago) after a mild struggle.

surely that only comes into play if you are claiming off your own insurance? If the liability rests with another party their insurance should pay the market value and nothing less.

HailSatan

ohnonotgmail wrote: »

surely that only comes into play if you are claiming off your own insurance? If the liability rests with another party their insurance should pay the market value and nothing less.

Oh you sweet summer child

ohnonotgmail

HailSatan wrote: »

Oh you sweet summer child

maybe try posting something intelligent.

Wildly Boaring

ohnonotgmail wrote: »

surely that only comes into play if you are claiming off your own insurance? If the liability rests with another party their insurance should pay the market value and nothing less.

Correct.
Yes my mistake, not paying full attention to OP.

Markcheese

Has any one any experience (good or bad) of dealing with a claims agent, (claims assessor, whatever), ie. Someone who knows the industry working for you as an intermediary...

galwaytt

bennyc wrote: »

They will value the car on how much you paid for it, .

No they won't - and if they do, fight them.

You are entitled to be put back into the pre-crash position, with no losses.

So, if you're car is written off and a replacement is 8k, that's the number to aim for.

I did this successfully with an 05 Saab 9-5 about 4 years ago, and made them spend the €6k to repair it, all at the other party's expense. When they're at fault, it shouldn't cost you a cent. That's the whole principle of insurance - to protect you from loss.

buttercups88

Thanks for all replies. Still waiting to hear back from insurance to see what story is.

Thankfully no major injuries to me but definitely feeling it and have been checked over as precautions.

Also its gas that you all seemed to assume im a man... definitely not the case 😂

garv123

Deleted User wrote: »

Have you ever been rear-ended doctor?

You're talking BS.

I was rear ended about two months ago and by looking at my bumper you'd think NO damage was done to the car.

The assessor (insurance company's assessor) inspected and said the whole bumper was compromised, as was the metal bar making up the bumper. I suffered back pain and nerve damage, and yet the car looked fine. Now we have the OP's car and the back crumpled. And you think his body had no effect.

I'd go further what I think of your analysis but I'd get carded.

Just because you sustained injury doesn't mean every other rear ending accident does.

I know of 2 adults and child that walked away from a rear ending with no injuries but the 161 Octavia was a right off..

Cee-Jay-Cee

[Deleted User] wrote: »

You're excused, now read what I said again. I'm saying the OP almost certainly suffered injuries.

Apologies if that’s what you meant to say but without you clarifying that’s not the way it reads.

ohnonotgmail

garv123 wrote: »

Just because you sustained injury doesn't mean every other rear ending accident does.

I know of 2 adults and child that walked away from a rear ending with no injuries but the 161 Octavia was a right off..

chinese whispors were responding to a post that said

If the car was doing what it's designed to do the OP shouldn't have serious injuries.

This is nonsense. if YOU managed to walk away without injury then you got lucky.

buttercups88

**update**

Car has been written off, wont have full details until next week

_Kaiser_

What car is it OP?