mandelbrot
Registered User
- Messages
- 2,330
Hi all,
The background:
Back in the bad storms in early February, I left my car in to be serviced by my mechanic, and while it was on his premises it was damaged by a wall that fell in the high winds (it was knocked by a tree falling in the adjacent garden).
There was a bit (well, a LOT) of to and fro with the mechanic and his neighbour as to who would be liable, and since the damage isn't too bad I was overly patient with them.
The bottom line is though it's now over ten weeks on and I've been stonewalled by the neighbour whom I believe is ultimately liable, so this morning I opened a claim against my mechanic's garage policy (with his blessing, on the assumption that they will go after his neighbour).
The problem:
I've had a quote to fit a new door & wing, and spray etc..., and it's the guts of €1500, with the car's value on the VRT calculator coming in at €2,000 (even though I really doubt I'd get a like for like replacement for much less than 2.5k - 3k).
On those figures it looks pretty likely that the insurer (who are also the same insurer that I have my motor policy with), will write the car off.
I'm very happy with my car (apart from the current damage), I've maintained it well etc, and should be able to get another couple of years of high mileage driving out of it. Whereas I've put 100k miles of the 180k my car, I'd be loathe to buy a replacement with 180k miles on it as you don't know what you're getting or what kind of life the vehicle has had... and I'm not really in a position to stump up an extra 4-5k to get a newer model.
So my question / problem is, if they do write it off as beyond economic repair what are my options?
I understand I can still take their settlement and get the car repaired myself, and that it's then up to me to get a cert of roadworthiness - is this correct, and how much will that cert cost me?
Will they give me the full 2k (if that's what the pre-accident value of the car is deemed to be) and how much do I have to pay to reacquire the car, as such (since they'll have given me a price that includes the scrap value)??
I'm finding this all a bit confusing - if someone who knows about the whole procedure could enlighten me I'd appreciate it!!
The background:
Back in the bad storms in early February, I left my car in to be serviced by my mechanic, and while it was on his premises it was damaged by a wall that fell in the high winds (it was knocked by a tree falling in the adjacent garden).
There was a bit (well, a LOT) of to and fro with the mechanic and his neighbour as to who would be liable, and since the damage isn't too bad I was overly patient with them.
The bottom line is though it's now over ten weeks on and I've been stonewalled by the neighbour whom I believe is ultimately liable, so this morning I opened a claim against my mechanic's garage policy (with his blessing, on the assumption that they will go after his neighbour).
The problem:
I've had a quote to fit a new door & wing, and spray etc..., and it's the guts of €1500, with the car's value on the VRT calculator coming in at €2,000 (even though I really doubt I'd get a like for like replacement for much less than 2.5k - 3k).
On those figures it looks pretty likely that the insurer (who are also the same insurer that I have my motor policy with), will write the car off.
I'm very happy with my car (apart from the current damage), I've maintained it well etc, and should be able to get another couple of years of high mileage driving out of it. Whereas I've put 100k miles of the 180k my car, I'd be loathe to buy a replacement with 180k miles on it as you don't know what you're getting or what kind of life the vehicle has had... and I'm not really in a position to stump up an extra 4-5k to get a newer model.
So my question / problem is, if they do write it off as beyond economic repair what are my options?
I understand I can still take their settlement and get the car repaired myself, and that it's then up to me to get a cert of roadworthiness - is this correct, and how much will that cert cost me?
Will they give me the full 2k (if that's what the pre-accident value of the car is deemed to be) and how much do I have to pay to reacquire the car, as such (since they'll have given me a price that includes the scrap value)??
I'm finding this all a bit confusing - if someone who knows about the whole procedure could enlighten me I'd appreciate it!!