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Insurance write off?

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Just wondered what you good chaps/chapesses' opinion would be on this. Do you think it'll be written off as an uneconomical repair?

Car which I bought 4 weeks ago got twatted whilst parked  by a bin lorry on Monday. 07 plate XC90 with 160002 miles on it.

 

Worst damage is as seen in pics, but not a panel on the drivers side that doesn't need attention and paint. Front wheel got hit too so am concerned that damage may be done there too.

Naturally I'l less than amused by the whole thing!

Ta muchly in advance

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Sorry to say this, but I'd be astonished if the insurance co don't write this off. One dented panel would be seen as uneconomical on a 12 year old 160k mile car, let alone needing potentially remedial work to the front wing, both doors, replacement plastic trim and the rear quarter, plus suspension/steering work. plus a courtesy car (and it'll be an X5/Q7/XC90 @ £300 a day on something like this)

If it were me, I'd ring up a bodyshop and ask for a quote for a respray as a non-insurance customer, and get a detailed report of any suspension damage. Then argue about the writeoff payout and buy it back from them for a pittance.

 

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Thanks for that Stanky.  I have no intention of being arsey with the insurance company (ie claiming for an expensive courtesy car - still have the old Mondeo I can use) in the hope that they'll treat me fairly when the time comes. My suspicion is that it'll be an uneconomic repair so hope that I'll be given enough pennies to replace it.

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Driven worse (etc etc)

if it was mine I'd probably negotiate a settlement including salvage buy back and then buff out the scratches and drive it as is.

But generally Im an unfussy bugger when it comes to the car I drive and dont really mind dints / scrapes etc.

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This happened to a friend of mine (who should be on here but isn't).  He dealt directly with the lorry operative (via the council), who were only too happy to deal with him directly and avoid insurance.  Obviously won't work if they dispute that their lorry did it. but could be worth a try.

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Insurance would definitely write that off. If you like the car, get a body shop to do a quote for repairs then tell the bin lorry company how much you need to fix it. They might settle outside of insurance 

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If the bin lorry company are up for it it may well be worth trying to get a cash settlement from them rather than going through the insurance. Their excess is likely to be £1000+ so anything less than that would be a bonus for them.


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Wot Stanky and Lankytim said. Negotiate with bin people, go round to body shop get quote, get friendly local mechanic to check out the steering/suspension. Buy back and get it repaired yourself. 

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4 hours ago, UltraWomble said:

Driven worse (etc etc)

if it was mine I'd probably negotiate a settlement including salvage buy back and then buff out the scratches and drive it as is.

But generally Im an unfussy bugger when it comes to the car I drive and dont really mind dints / scrapes etc.

I'm afraid that I need something tidy and presentable for work. Were it not for that, I'd probably just do that. Not saying I wont just get a wing and door of a matching car and  sort out the rest. Only probs then is that the car will be worthless being a write off. Will see how it all plays out. Cheers for your help though!

 

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1 hour ago, Lankytim said:

If the bin lorry company are up for it it may well be worth trying to get a cash settlement from them rather than going through the insurance. Their excess is likely to be £1000+ so anything less than that would be a bonus for them.

ent from my iPhone using Tapatalk

I'd be doubly screwed then if I did that. Likely to cost way more than that in repairs....sigh. Cheers though!

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Mine got hit on Sunday 

the insurance rang 

my options are 

take the cost of repairs in cash minus the vat , for this they wanted to see loads of pictures including every angle of the car and the wheels , no courtesy car , you sort it out

they fix it via their approved repairer with a car

I get it fixed wherever I like , they pay but if it's crap no guarantee 

I'm mulling over option 1 at the moment as a new bumper skin would cure most of it , it's a cat C anyway so the value won't be greatly affected 

 

your best option would be for them to write itoff then you buy it back and fix it , they won't want your car, recovery fees,storage,auction fees , much easier for them if you just buy it back off them .

 

 

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1 hour ago, bunglebus said:

I'm quite surprised they even considered a repair - definately not to be assessed?

Nope, was assessed 4 weeks ago, repair approved and it's currently at the bodyshop. Delay was waiting for the new parts from Volvo. The bodyshop owner was reasonably surprised at the outcome too. Mind you, I played fair and didn't sting the council's insurer for a courtesy car right from the outset.

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When I had the accident in the late 90's, hit at high speed from behind whilst waiting to turn right, I was put through the wringer in order to claim for whiplash. I was paid a grand and a bit. However, late last year it was discovered that I had fractured a vertebrae in my neck. Imagine the payout if that had been discovered then lol.

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