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stevieduk1

a lesson learned---to late

8 posts in this topic

HI everyone , just wanted to pass this piece of wisdom on to you all.

I had a bad smash in my t5r sunday evening , running into the back of a small B M W that decided to stop on amber.but obviously it was my fault in the eyes of the law, as i hit him in the back

Good job I wasnt going fast , but anyway, because I braked so hard , my front end submarined and the bumper went under the bm s rear and all he got was his number plate knocked off as i moved him a few feet forward.

My car --- crumpled bonnet, headlights and side lights gone, rad burst , all the front plastic structure in a million  bits, ( which the police loved cos the had to sweep it up) front nearside wing bent to hell and the inner wing bent straight back at the front. Oh and i got wack in the face with the airbag and trust me , it hurts

well we went through the normal exchanging details and he drives off , I have to arrange a truck to come and take me home.

So on Monday morning , i rung my insurance to let them know , and the lady said would i like to make a claim for my car as im fully comp , so i said yes please. WRONG, big mistake. A inspector came from the insurance company this morning , and after i had finished telling him how rare the cars were and pricy ect ect he said no ive got to write it off

 apparently the damage at the front was fixable as its mainly plastic and glass a wing and a rad , but he said whats done you is the air bag and SRS units have gone off, so I said yes but I could get them fixed and he replied , Ah , but only with secondhand parts for a car this old (1997), and if you did and then you ever sold it and the buyer had a accident and they didnt go off and there was a death then the insurance and you , (me) would be in serious trouble, and with that he was gone.

 So i rung my mechanic mate and told him, and was told in no uncertain terms that I had been a prat.

Apparently , and here is the pearl of wisdom for everyone , if this sort of thing happens get it looked at first by someone thats on your side, IF its fixable but airbags have gone off , tell your insurance that you were invovled in a colision, but DO NOT  make a claim for your car, as airbags ans SRS can be fixed very easily, then no examiner will come out and it wont be registered as a write off.

 they offered me £470 for it and want to take it away to be crushed,  it would have cost about £300 in parts to fix

so ive lost my pride and joy for doing the correct thing basically, if i had not claimed , i would have had my car back in a few weeks, now i have to start the search for another. oh and i would have sold it

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that should have been   would not have sold it !!!

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It's still your car. Get it fixed, checked and back on the road as a cat D.

mitchyboy01 likes this

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It's still your car. Get it fixed, checked and back on the road as a cat D.

Probably on register as an B so breaker can sell parts, A is straight crush IIRC

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Sorry to hear of the misfortune you have experienced let's hope you get yourself sorted soon.

One thing in your post made me squint, the fact you say a car decided to stop on amber, came across like he/she shouldn't have. Despite most people speeding through amber and ignoring red lights, one is supposed to slow and prepare to stop when amber is shown.

Surely you can buy the car back from the insurance and fix it up or have the sods found a loop hole for this as well?

Sent from my iPhone using Tapatalk

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yes the sods have, they either take it away and crush it immediately , or i can have it to sell parts. If i do that they will only give me £430 , and i have 6 weeks to do it and supply them with a certificate of destruction which will cost me £20, even less money, plus my driveway is shared, and although I get on ok with my neighbour , they would be to happy about a car in bits for weeks.

ah but now I have a cunning plan.

 There is a scrapping firm called car take back, I have used them before for old cars and they are a very professional outfit , They will pay me £ 90 for the car, AND supply me with a certificate of destruction AND collect it from my house.

So that gets me the 430 and 90 =520, And i can keep my titan wheels and R front spoiler, which the insurance company would not let me.

 

what Redbrick said about its still my car , I would have thought so to , but from what the inspector said, once those airbags and SRS units have gone off, D V L A ( BIG BROTHER ) will take it off you quick sharp even if its a brand new car ,  unless a main dealer can put brand new units and airbags back in, which is not possible on our cars cos of the age

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Sorry to hear of the misfortune you have experienced let's hope you get yourself sorted soon.

One thing in your post made me squint, the fact you say a car decided to stop on amber, came across like he/she shouldn't have. Despite most people speeding through amber and ignoring red lights, one is supposed to slow and prepare to stop when amber is shown.

Surely you can buy the car back from the insurance and fix it up or have the sods found a loop hole for this as well?

Sent from my iPhone using Tapatalk

what I meant about stopping on amber , it was green as they were approaching the lights , and changed to amber literaly as they were going over the line and they just rammed the anchors on, and I was expecting them to go through. Thing that annoyed me later on was that if I had been going my normal speed , I would have been in the outside lane and well passed them before they got to the lights

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Sorry to hear of the misfortune you have experienced let's hope you get yourself sorted soon.

One thing in your post made me squint, the fact you say a car decided to stop on amber, came across like he/she shouldn't have. Despite most people speeding through amber and ignoring red lights, one is supposed to slow and prepare to stop when amber is shown.

Surely you can buy the car back from the insurance and fix it up or have the sods found a loop hole for this as well?

Sent from my iPhone using Tapatalk

 

They always have had A and B but it appears they get used more for accidents where air bags gone off. They put car on register as a B, which means can only be transferred to a registered dismantler and broken for parts. You can contest, but if they have already crushed bit late, but plenty of online evidence that there is a scrap value in car. 

 

On Puma you only have steering wheel air bag, and seat belt pretensioners, (some had passenger air bag, but that is just a 2 bolts for air bag and replace the clip in panel, 50 quid and 40 mins and you can swap the lot inc module, but people have had insurer come out and do same. Bit gutting when payout after excess is little difference to increase in following years premium.

 

https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/Migrated/Motor/Code%20of%20practice%20for%20disposal%20of%20motor%20vehicle%20salvage.ashx

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