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Old Dec 14, 2008 | 12:42 PM
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Default Had a smash , need help/advice



Hi guys

Had a bit of a smash yesterday on a slippy wet road, brakes just locked up and kept going!! anyway everyone is ok as it was only at 10/15 mph but my pride and joy is not in a good way. front bumper damaged,bonnet,front wing,light smashed and one of my brand new 18 white alloys has a huge graze on it!
The car was a stunning 96 import which has all facelift parts plus all tuning parts etc.. im just so gutted as ive owned the car for 2 years (daily driver)and never even had a sniff of a accident and i was thinking of selling in the new year for a new car !

I really cant afford to repair the car and ive already spent silly money on it to get the car looking sweet , i didnt reallty want to claim on insurance as my excess is silly and i loose precious no claims plus all the hastle of waiting 10 years to finally get sorted. I just want to forget and move on so my question is whats the best way to sell the car? shall i sell as it is? what would it be worth as it is? the car drives fine just looks a mess from the front. shall i break the car? even though lots of the good parts ie facelift bonnet,facelift frontbumper with p1 lip,lights etc are dead?

sorry for the long speech but i always seem to get good advice on here so any info would be greatv

thanks in advance
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Old Dec 14, 2008 | 01:19 PM
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probably only worth 1k-1.5k as it is these cars only go for between 2-3k in excellent condition.If i was in your position and i had the time/space id break it as there are always people looking for parts and the chances are you would get more money in parts than if the car was in pre accident condition

good luck
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Old Dec 14, 2008 | 01:25 PM
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thanks matey , i do have time to break but not sure i will get much for the rest of the car, like i said the main goodys are damaged.

heres a pick of what she looked like pre accident (im going to cry again)

craigspics166.jpg - Image - Photobucket - Video and Image Hosting
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Old Dec 14, 2008 | 02:33 PM
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erly bump
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Old Dec 14, 2008 | 02:54 PM
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If you wer going to get rid anyway then just get wing and bumper and bonnet from breakers - ebay Get face lift ones and even if you dont paint it - it is not too bad as it wold be in that state if you had just changed the front end anyway before it was painted. Losts of people sell cars on that are not 100% finished projects. Thing is you gonna have to make it look half decent if you want to sell / part ex it. It is the paint and prep that will cost you - £300 + for OK front end spray - more like £500 though.

Get the panels replaced / and the wheel refurbed and sell it on - or break it.

Good luck mate - and sorry to hear about your bad experience - hope it works out for you - Ade

Have to say if it was me then I would fix it and keep it. (only cus I think you aint going to get another car you like for the money and you also know it's past.
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Old Dec 14, 2008 | 02:59 PM
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Just to let you know - have just been looking on ebay for you and you can get the bonnet, wing and Sti bumper all for about £250 - is well worth doing mate - then get it painted when you have the cash
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Old Dec 14, 2008 | 03:44 PM
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thanks for replys guys, thing is i just bought the bonnet,front bumper and grill and had them sprayed about a month ago , plus had the wing resprayed because of a few dents which all in all cost me around 600 + i cant really go through all that again. for what its worth id rather just let it go and move on. i love the car to bits (maybe to much) but was thinking of selling anyway just wonderd if id get more breaking it than just selling her how she stands now?
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Old Dec 14, 2008 | 04:26 PM
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TBH you will be left with loads of parts no-one wants if you break it.
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Old Dec 14, 2008 | 06:10 PM
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yep , thats what im a bit woreid about. has anybody on here been in the same situation?
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Old Dec 14, 2008 | 06:12 PM
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Originally Posted by young'n wrx
I really cant afford to repair the car
This is what insurance is for

Tony
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Old Dec 14, 2008 | 08:29 PM
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are you daft?

just claim on your insurance, thats what it's there for. Otherwise it's worth a grand. If you lose your no claims, but get the car fixed thats surely a better deal for you?
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Old Dec 14, 2008 | 08:40 PM
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Gutted for you mate, looked awesome pre accident, as said above you can get the parts relatively cheap, get it done will make the car worth more when you sell.
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Old Dec 14, 2008 | 09:04 PM
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Originally Posted by RJM25R
are you daft?

just claim on your insurance, thats what it's there for. Otherwise it's worth a grand. If you lose your no claims, but get the car fixed thats surely a better deal for you?
yes mate i am daft , but not daft enough to pay out £900 excess and have my no claims bonus affected so ill have silly insurence quotes from then onwards. insurence companys will do out to not pay up and if they decide not to im stuck with car d or c whatever its to much hastle i cant be doing with! classic scoobs are worth **** all these days so im not that woreid about how much im gonna get just whats going to be easyer and maybe better for a few extra quid? ive spent way too much already to just go and spend more then not get it back when i sell. thanks for the advice guys ,really apreciate it.
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Old Dec 15, 2008 | 03:55 PM
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Originally Posted by young'n wrx
yes mate i am daft , but not daft enough to pay out £900 excess and have my no claims bonus affected so ill have silly insurence quotes from then onwards. insurence companys will do out to not pay up and if they decide not to im stuck with car d or c whatever its to much hastle i cant be doing with! classic scoobs are worth **** all these days so im not that woreid about how much im gonna get just whats going to be easyer and maybe better for a few extra quid? ive spent way too much already to just go and spend more then not get it back when i sell. thanks for the advice guys ,really apreciate it.
You do understand that you have to declare this accident on your renewal dont you? which will add to your policy.
Not declaring it will invalidate your insurance, you may then face a hefty fine and 6 points on your licence.
If you buy the car and insure it, use the insurance, if the car becomes a cat c they will write it off, if its a d then whats your problem? you have already said that classics are worth **** all, so take **** all from **** all and you have **** all

Tony
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Old Dec 15, 2008 | 04:00 PM
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I'll give you £750 as is.
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Old Dec 15, 2008 | 04:06 PM
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Originally Posted by young'n wrx
thanks matey , i do have time to break but not sure i will get much for the rest of the car, like i said the main goodys are damaged.

heres a pick of what she looked like pre accident (im going to cry again)

craigspics166.jpg - Image - Photobucket - Video and Image Hosting
and now ?
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Old Dec 15, 2008 | 04:37 PM
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Originally Posted by TonyBurns
You do understand that you have to declare this accident on your renewal dont you? which will add to your policy.
Not declaring it will invalidate your insurance, you may then face a hefty fine and 6 points on your licence.
If you buy the car and insure it, use the insurance, if the car becomes a cat c they will write it off, if its a d then whats your problem? you have already said that classics are worth **** all, so take **** all from **** all and you have **** all

Tony
If you want to follow the exact wording of the terms accidents and claims this would be the same for damage to a wing mirror, scuffing a wheel, open your door and chipping the paint etc etc.

As said try getting the parts in the right colour and then see what can be done based on the damage but be consider the resale cost as this will need to be factored in.
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Old Dec 15, 2008 | 04:38 PM
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Originally Posted by cookstar
I'll give you £750 as is.
£751
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Old Dec 15, 2008 | 04:40 PM
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Old Dec 15, 2008 | 06:53 PM
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Originally Posted by TonyBurns
You do understand that you have to declare this accident on your renewal dont you? which will add to your policy.
Not declaring it will invalidate your insurance, you may then face a hefty fine and 6 points on your licence.
If you buy the car and insure it, use the insurance, if the car becomes a cat c they will write it off, if its a d then whats your problem? you have already said that classics are worth **** all, so take **** all from **** all and you have **** all

Tony
What they don't know wont hurt em
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Old Dec 15, 2008 | 07:51 PM
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have you got any pic of the crash?
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Old Dec 15, 2008 | 08:36 PM
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will get some pics up soon. think i mite be going down the insurance route just waiting on some calls etc..

ps £750 wouldnt even cover the wheels i payed out for two months ago !!
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Old Dec 15, 2008 | 08:44 PM
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What type of insurance do you have to have a £900 excess!
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Old Dec 16, 2008 | 08:38 AM
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I'd start by saving some cash & get it off road asap ...declare it SORN (& get your tax back) & drop the Ins. to F&T only

Then i'd set up a few ebay searches for the bits & bobs in the right colour (black isn't that rare) & sit tight ...as you wouldn't really want to try & sell a car at the mo' (combined worst time of year & a 'credit crunch')

Breaking it will probably take about 6 months if you want to make the most out of it

& no, i wouldn't be informing my Ins. Co either!

Last edited by DazW; Dec 16, 2008 at 08:40 AM.
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Old Dec 16, 2008 | 11:01 AM
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Originally Posted by DazW
What they don't know wont hurt em

It may hurt the next person who buys that car if the repairs have not been done to a good standard or something has been missed

Tony
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Old Dec 16, 2008 | 12:01 PM
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Originally Posted by TonyBurns
It may hurt the next person who buys that car if the repairs have not been done to a good standard or something has been missed

Tony
I'd agree ...but it hardly sounds like a Cat A/B from the above does it?
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Old Dec 16, 2008 | 12:18 PM
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Doesnt sound like a 10-15mph crash either

Tony
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Old Dec 16, 2008 | 12:22 PM
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Originally Posted by TonyBurns
Doesnt sound like a 10-15mph crash either

Tony
Just thinking that- 10/15mph for that much damage?
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Old Dec 16, 2008 | 12:23 PM
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40-50 maybe.....

Tony
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Old Dec 16, 2008 | 12:29 PM
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fpmsl ...40-50mph impact & you'd be lucky to walk away from it in a road car
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