webba23

Well after having owned my Type R for nearly a year I thought that things were on the up following a full rebuild after 2k of ownership when it sailed through it's MOT yesterday.

Today that took a nasty turn when a total idiot hit me from behind in a cement mixer while I was staionary in traffic approaching a roundabout.

I have contacted the insurance company and they are sending someone to assess the damage but I'm worried that it is going to be written off and I will get a crap deal on the price.

Can anyone advise where I stand on the offer that they make for the car? Do I have to accept and hand it over to them or can I argue the value if I feel it is an aujust offer? If the insurance company write it off do I have to accept or could I ask a Subaru specialist to assess the damage etc.

I'll post a pic of the damage up later.

Thanks in advance for any advice that people can offer.









Cheers

Matt

my94wrx

iTrader: (4)

when the insurance assessor turns up make sure you have a copy of all the receipts to hand, to prove to him the money that has been spent on the car, if the car is a write off they will usually offer a settlement on the spot, remember its your car until they either repair or write off and settle with you so don't be bullied into having it taken to a yard until its sorted.

M4RKG

iTrader: (22)

Have you declared any/all modifications? If so, then you should be okay... you can of course argue the value with them, and in the end if you're still not happy what you've ended agreeing on (their best price), you can always take a smaller settlement and keep the car... in most cases

my94wrx

iTrader: (4)

i'm pretty sure its not so critical on undeclared mods on no fault accidents.

M4RKG

iTrader: (22)

It is if you're going to claim the correct way, through your own insurer, who in turn claims from the 3rd party

my94wrx

iTrader: (4)

why would you claim through your own insurer on a non fault claim? for all we know the OP's car be only 3rd party fire and theft, he couldn't claim from his own insurer then even if he wanted to.

TonyBurns

iTrader: (3)

Because thats how these things work, you go to your insurance co who then do the work for you, so you basically claim through your insurance.

Tony

M4RKG

iTrader: (22)

Thats the reason the majority of Subaru owners go through the likes of Keith Michaels etc. They're Subaru specialists that know what they're talking about, so you make the claim, you get someone coming out that knows what they're talking about... not some bloke from a Tonka Truck assessor thats not got a clue whats been put into peoples cars and the expense they cost.

Guv

iTrader: (8)

From experience:

Let them come and assess the car and give you a value.

Buy the car back at what will be 20-30% of the value they give you along with the balance of the value.

Break the car and sell all the bits, most likely you should see back wht you have put in or if your lucky make a few quid.

If you boost the value up to the assesor in the first place and you intend on buying the car back all you will do is end up paying the insurance company more.

Hope this helps

webba23

Car has all the mods fully declared as no point in making them if you are not going to declare them.

All I'm concerned about is where they are going to get the figure that my car is valued at from. Will they be aware that it is a type R and not a uk turbo 2000. If I can prove the value of the car by similar spec adverse will this have to be taken into account?

I'm not really interested in buying it back as I do not have the time to break it and need to get a car asap.

What are the chances of a car of this age not being written off? Not a lot I'm guessing.

M4RKG

iTrader: (22)

They'll arrive at a value for you car by getting comparables.

Basically looking up the same car, same age, same milage, same condition, within 20-30 miles of your home postcode using AutoTrader/PistonHeads etc. and come up with an average price, not the cheapest and not the most expensive.

If you're not happy with their price, you'll have to provide comparable proof using the same critera as above... they wont mistake an imported Type R for a UKTurbo 2000.

So if I were you, i'd spend the next week or so trawling adverts of the same car in your area and find atleast 5 "High Price" versions of your car with a similar spec and condition, I know its difficult with these cars (everyone being different), but thats what they will need to see.

Oh, and receipts and comparables for your mods too

M4RKG

iTrader: (22)

And regarding it being a write off or not... they dont look at age, it all comes down to ££££'s

If the repairs are more than 60% (approx) of the cars value, they write it off

webba23

Thanks for all the replies. I'm going to be on Pistonheads later trawling the ads. I'll post up a picture of the damage later.

Courtesy car has just turned up and it's a bloody Pug estate. Nice gadgets in it but not quite the same!!

M4RKG

iTrader: (22)

No problem mate... good luck

happydude303

iTrader: (1)

dude if you have any problems email me as i work for zurich as a claims hanlder and will be happy to help you

webba23

Thanks for that mate much appreciated. Going to get some prices myself then see what they offer me. If I have any queries I'll drop you a PM on here.

happydude303

iTrader: (1)

no worries

webba23

I'll post a pic up in a bit mate.

webba23

Pictures added.

happydude303

iTrader: (1)

oh that looks nasty dude

webba23

Well considering it was a cement mixer it could have been a while lot worse, not for the car but for me. Gutting as it's my pride and joy and I can't see myself being able to get another one. The drive back home was surreal knowing it could be my last drive in it.

happydude303

iTrader: (1)

dont worry dude if it is a right off see what they offer you and also see what they want for you to buy it back. break it as then you could make some more money and you can get your self another one just let me now what they say and if you have modded it and rebuilt the engine make sure you let the guy see the receipt, you have decalerd the mods and and make sure you have check out the pirces of what year model and millage these cars are going for let me now what the engineer offers but dont just accept it ps you can go through the tp insures and make sure and dont forget you can get a nice hire car for the time being until you get your settlement done if your insuracne want offer you a hire car

webba23

I've got a hire car at the moment and it's already pissing me off but a car is a car at the end of the day. Insurance company have been really good so I can't complain, hire car turned up at 4ish today.

I won't be going down the breaking route as I dint have the time to do it.

Only mod it has is an exhaust and a set white/green Defi's that will not be going with the car if I have anything to do with it. I'm tempted to take them out now.

As for the rebuild I need to get a receipt then as I have misplaced the one I got at the time.

Been looking on Pistonheads and they are around 4k. I paid 6k last year and the garage I got it from is still selling similar spec cars for 6k. Only problem is they are not local. Will they take this into account or will I loose out.

Seems very unfair as I will be loosibg out due to someone else's lack of concentration whilst they walk off scott free. I hit a stationary beckons years ago when I passed my test and got 5 points for the privilege. To say I'm annoyed is an understatement. Rant over......for now anyway. Lol.

burbling1

iTrader: (1)

When mine was rear ended about a year ago I went to a bodyshop who gave me a rough figure of £1500. The other parties insurance rang me and I told them the quote I had recieved. They ran me back and offered me the £1500 and my car. I put a second hand bumper on it tidied up some other parts of the car and it cost me £800. My insurance company didnt know anything about the incident and the other parties insurance didnt see the car.

happydude303

iTrader: (1)

you have have to be put int he same position your are in now and be able to buy the same condition year and millage car you have now, as for the defis take them out but as for the exhaust you can advise if the realize that this is how you got the car and its a jap import and how are you to now what it comes with from japan p.s most egnineers will not now what is standard on a subaru but take the defis out dude and then let me now what they offer for it dude and ill help you from there dude

happydude303

iTrader: (1)

ps where it is a type r you still might be worth buying it back and then selling it as a hole car to some one on here who breaks them to make a little more just an idea as there are a lot of good bits and bobs on the type r

webba23

Cheers mate Defi's will def be coming out that's for sure. Once the price it up I'll get in touch mate.

The other party is not being very helpful at all and made no offer at all to settle they were more bothered about getting off to make their delivery. Just have to see how it pans out.

Lucky I hadn't paid for it to be mapped yet as that was on next months list. I'd have been livid then!! Bad enough I had paid out 150 odd yesterday but a grand and I'd gave been screwing.

kj200sx

iTrader: (7)

i would say they would defo write it of i had mine wrote of yesterday for what looks like alot worse damage to be honest and they told me they take every import with a pinch of salt as no one can 100% confirm miles history etc etc but i will see what they offer me as far as a settlement and let you know my car is a ver 3 sti v limited 1997 on a p reg

webba23

Sorry to hear that mate. I have thought it through now and don't expect them to say it is repairable. Shortly after I got the car it was sit when parked and all it needed done was the rear light clusters replaced and bumper sprayed and it came in at a grand.

Let me know what they offer you if you don't mind it would be interesting to see.

Terminator X

iTrader: (7)

Nasty, make sure you claim for whiplash though

TX.