Writeoff - Blue {P}
As you may have read in the tailgaiting thread, my mate's Mondeo was hit from the rear by a van on Wednesday night, which also managed to push him into the van in front (who proceeded to naff off after the accident without giving details)

He's been told today that the car is very close to been a write-off and could well yet turn out to be one once the estimate is calculated. BUT, the car is in *very* good condition, it's only had 1 former keeper who was an old bloke who serviced it at the Ford dealers religously. Also, the accident hasn't caused (much) significant structural damage, so he would have no problem with driving it again after a repair, it's just the labour charges on an L reg car are likely to outsrtrip it's value. If the bill is almost the same as the car's value (which we've been told it surely will be) can he ask that the insurance company pay for the repairs rather than pay out for the car? 'Cos he really doesn't want to have to buy a replacement.

Plus it would seem a shame to write off a car that is still driveable, is in superb mechanical condition, and isn't even that badly damaged to look at.

Also, if they do insist on writing it off, can he have any recent bills included in the settlement, such as the 4 new tyres and engine tune that he's had this week?

Writeoff - HF
Blue, I'm sorry, I have absolutely no idea about this - but no doubt someone here will give you an answer soon.
Hope you're well
Writeoff - Obsolete
A year ago the manager of the project I was working on shunted me when I was exiting the works car park. His car was effectively a write off (cost of repair > value of car) and yet it was repaired. He wanted it to be written off!
Writeoff - Blue {P}
Hi HF - long time no speak, at least it seems like it!

I'm fine at the moment, having just spent the last couple of days realising how lucky I am to be driving a non-write off!

I feel really sorry for him though, he's not in a position to go splashing out on a new car when there's nothing wrong with the one he's got.

Take care out there!

Writeoff - HF
Hello Blue - yeah it's been ages, (seems to me too) and it's great to speak to you!

Glad all is ok with you - sympathise with your mate though, I can well understand not being able to splash out on another car, especially if his is actually ok.

Good luck to him, and more to the point good luck to you, with everything - speak soon and take care.

Writeoff - Dynamic Dave

Not sure if still valid as it happened a few years ago.
I stuffed my Mk1 Astra good and proper. Only cosmetic damage, nothing structural. The car was valued at £2600 by my insurance company. They could get £600 for it scrap value or bought by an independant repairer; therefore the damage to the car had to be less than £2000 for them to consider paying for the repair. The the cost of the repair total'd £2150, (£150 over their limit) so the insurance company wanted to financially write it off. However a deal was done by the bodyshop doing the repair and the insurance company, as I wanted to keep the car. I figured that by the time I had paid off the outstanding HP I would have been left with about £100 in my pocket to buy another car with. For the sake of me paying £150 I got my car back on the road; a car I knew the history of, and without the risk of buying a possible replacement that could have been a pig in a sack should I had let them scrap it.
Writeoff - HF
Dynamic knows everything there is to know about ANYTHING - so maybe take heed and listen to him.
Hope it all goes ok, & hope speak to you soon,
Writeoff - teabelly
I think in this case he would have a choice. The principal of indemnity on insurance says you have to be put back into the position you were before the accident so if he wants to drive his car, regardless of whether it is a financial write-off then the insurance company has to pay for the repair. The insurance company of the person that hit him will be paying so I suspect his insurance company would be more likely to pay out before pursuing the other insurer. I assume this could also apply if you paid a lot of money to restore/repair a vehicle which was over the cost of a gain in value that the insurer would have to pay out to get another car into the same condition as yours before it was involved in an accident.

I don't think he could claim specific extras for anything that is normal maintenance (however irritating the timing) he would just have to find another mondeo that had just been serviced and had 4 fresh tyres on it which may cost slightly more than an example that hadn't.
Writeoff - DavidHM
Teabelly - if he is claiming on someone else's insurance (it's not clear from Blue's point), he is entitled to be put back in the position he was before the accident.

However, on a car that's worth about a grand, he is entitled only to receive financial compensation for the car. This must take into account the condition of the car and be enough for him to buy an equivalent car at more than trade price, but it wouldn't force them to carry out a repair. He has every right to point out the car's condition and to negotiate for a higher price than he is offered first time, and if he can show the car's replacement cost from adverts in the local press or Autotrader, then they should be willing to come within haggling distance of those prices.

Don't forget that, if the insurance company opts to write off the car, he could buy it from them for about £300 and find someone who could repair it for less than the garage has quoted, or even pay the premium to repair it - i.e., if the quote and payout are both £1,000 and he doesn't believe he can get an equivalent car for £1,300, he'd be better off doing that than simply taking the money.
Writeoff - smokie
Bad timing regarding the bills - SWMBO onc ehad the opposite - her old tired out Fiesta was booked to go in for expensive engine work, which at the time was for one reason or another the best option economically.

Her (parked) car was hit on the morning it was due to go in, and written off. We actually did fairly well out of it, given that the engine was about to implode.
Writeoff - Mike H
Just to pick up on your last point, the answer is no, the insurance company will not take recent maintenance bills into account. There will be some small print in the policy that says you will keep the car in a roadworthy condition, therefore the cost of new tyres & tune in your case, and also such things as new exhaust, brake shoes, pads etc. will *not* be included in any assessment of car value. This was covered in a previous thread with similar circumstances.
Writeoff - martint123
I think a difference has to be made between an accident caused by yourself and a third party.

If your car has been damaged as a result of someone else being 100% to blame, you claim is against the other driver (not always his insurance company) and then things like new tyres/engine could be relevant to an award made - in extreme cases a set of new tyres could double the value of the vehicle ;-) Why should you lose in any way for a 3rd party error.

If it's your fault, then yes, you have to follow your insurance companies rules as to valuations.

Writeoff - Edd
This theead has me thinking now. If a third party were to crash into my own car and accept full responsibility and wmy car was then classed as a write off what would my payout be (its a 52reg). Would they pay me the the full value I paid for the car less than a few months ago or would they pay out the value of my own car at present. If the later is true then what happens with regards the years free insurance that I have, I don't imagine that the free insurance is transferable to another second hand car, would they take this into consideration and pay me the value of my car at present + the cost of insuring it. As I belive that by law you have to be put into the same situation that you were before the crash in my case having a years insurance (being young means the insurance would be expensive).
Many thanks and soory to steal the tread
Writeoff - DavidHM
Your insurance would be transferrable if it were written off, however you probably wouldn't get the full value of the car. That said, some free (and other) insurance schemes guarantee you a new car during the first year of the car's life. It all depends on what's written in the contract.

Realistically, I'm sure your insurer would continue to insure you if your car were written off, though you might have to pay a fee if the car you bought were more expensive. Also, you wouldn't normally get the value of the car when new unless you could show that you couldn't get one for less than new price. That shouldn't be a problem though because the car you'd be driving wouldn't be any worse than the one you crashed was, immediately before its accident.
Writeoff - John S

I believe when a car is written off then the insurance policy will not be transferable - it 'dies' with the car. This I think stems from the fact that the policy is linked to the car insured at the time. So, following a write-off you would probably have to pay another year up front.


John S
Writeoff - Blue {P}
Thanks for the advice people.

It seems that the bodyshop put him onto a firm called Accident Legal to handle the claim, arrange a hire car (been 18 it's a bit of a problem) etc. etc.

They were meant to have a car for today, by 3:30pm they didn't so my mate has had to drive to Bristol in the Mondeo.

He is intending claiming on the other driver's insurance, but the guy called him today and said that it looked like they would be best off going 50/50. I told my mate that he should have uttered two words, the last one being "OFF!" :) Unfortunately, whilst he didn't agree that they should go 50/50, he hasn't from what I can tell been very firm in telling the guy that the accident was down to him. So he couldn't get the hire car because CIS (the van driver's insurance company) wouldn't authorise it.

Looks like some wrangling to come on this one, especially as my mate is TPFT so his company won't get involved. I can't see how he can lose this one though, it's a fairly stratightforward accident, with clear blame. I have however told him that he shouldn't speak to this guy again other than through the insurance company. I think Accident Legal should fight it for him, after all, they probably want to be able to claim compensation for him (they would get more fees then) and they can't do that unless the other driver takes all the blame.

Does anyone know anything about them?

Writeoff - PB
It should be pretty clear cut and he should be ok fighting it legally - he was rear-ended which is pretty conclusive. At 18 the last thing he wants is a claim that goes even partly against him.

Personally I would go for the write-off and buy the car from the insurance company very cheaply if I could get a 'good enough' repair done. In other words, not your usual insurance claim with every last detail brought back to new, but with pattern & secondhand bits to get it looking good enough for an L reg Mondeo. Years ago my brother got £700 for his car, bought it back for £50 and fixed 90% of the damage for the cost of a secondhand wing and a couple of other small bits. So he had some very cheap motoring. If the accident wasn't too bad, and given the car's history, it is worth *much* more to your mate than it is to the insurance company who can only sell it trade at face value.
I wish him good luck.
Writeoff - Blue {P}
Well, the repair bill has came in at £1200. But, the bodyshop reckons his car is only worth £800. Now I don't think that's a good price for a *mint* condition 94 1.8 LX Auto, and neither does Parkers who value it at over £1400 in A1 condition.

Looks like his problem now is getting them to agree to the repair, and if they don't, getting them to pay out more than £800 which siumply won't be enough to replace the car. :(

On the plus side, he's been told that the car won't be written off, but be classed as "uneconomical to repair" due to the damage been mainly cosmetic rather than major structural. So at least buying it back may be an option.

Writeoff - Shigg
I find it stupid that insurance companies dig their heels in as they do, still if you give up without a fight they win all ends up.
Just to relate a short story (I promise I'll try to keep it short!), my brothers Astramax was written off opposite his home one morning on a quiet back road by a Ford Maverick rolling backwards down the hill, the driver had put her kids in the back, then when she slammed the tailgate shut (to put pram away, no not the kids!) it started to roll... Anyway after around 20 yards it impacted the Astramax on the OSR. So the Astramax is insured for business use (my brother's a self employed sparky) so he calls the other drivers insurance company explains the situation and asks if they will be willing to provide a hire vehicle, they initially refuse and advise him to hire through his own insurance. However in the next 30 minutes the other drivers insurance company call him back and tell him that they have arranged for vehicle for him as they have been advised to do so by their legal dept. I wouldn't have believed it could happen, I wonder if that insurance company has been bought out by the others and shut down?

Writeoff - DavidHM
If the insurance company only offers £800, it would be worth getting a valuation from Parkers and showing that to them. That will probably cause them to increase their offer. The bodyshop is right in valuing the car at £800 - that would be more than a fair trade price for the car and, if your friend is willing to take a risk at auction, you'd be surprised what he could get. Of course, no one expects you to pay trade, so I'd expect the insurance company to offer more than £800 but quote Parkers and see what happens.

It's more important, by the way, that your friend manages to pass all blame on to the van driver. That will protect his own NCD and keep his premiums much lower (there might be a *small* weighting because of this accident) - if he loses NCD and has a fault claim, he'll be paying out more than the value of his car over the next few years because of it.
Writeoff - Mark (RLBS)
Parker's is certainly one thing;

However, I would suggest taking the latest copy of Auotrader, find every car for sale similar to the damaged car, and compile a list of their prices. Make sure all the evidence is included and send that to the Insurance Company.

Their argument is current value. So, if you have the current value of every car for sale, and its more than their offer, then you should start to see movement.
Writeoff - Blue {P}
Well, my mate has told me that he has finally received the offer from CIS.

They offered £1400 for the car which has been declared "uneconomical to repair".

He has accepted this offer. but in a form where they give him £1250 and his car back, as they have valued the car at £150 scrap.

*If* he decides to get the car fixed properly, what can he expect to happen to it's value? I expect it will be recorded on a register but haven't got a clue how big a difference this would make to it's value. bearing in mind that the damage is almost all cosmetic, the car is totally safe and in above average mechanical condition.

Of course he doesn't have to get it fixed properly, and could no doubt get away with driving it as it is. But, if he ends up keeping the car long term (which there is a good chance of) he wants it fixing properly.

Our main questions:
1) What can he expect value wise if he tries to sell? (current value is around £1400)

2) What can he expect if he is involved in another accident or the car is stolen? Will the insurance company only give him £150?

Writeoff - martint123
Hi Blue - someone posted this some time ago (sorry, can't remember who)

I'd guess it would go on the register as a class D writeoff - sounds bad, but thats life. From what I've seen of these, very roughly, I'd say you'd have to knock 25% off the price after it's been fixed.

The link above gives hints as to 'value' of a repaired writeoff.
Sometime soon I think the law changes and the car has to be inspected before it can go back on the road and this is recorded on the V5. (not sure when, but I saw it on a leaflet that came with my road fund renewal.



Value my car