I had the missfortune of having someone turn across the front of me tonight, just poodling along them bam, zero time to react....

So, 56 plate Sti Type UK (FDSH, 40k, 2nd Owner), looks like wing, bonnet, HID headlight, grill, bumper, slam panel, ?front panel, ?inner wing, ?radiator...

So, what do ya think, will the repair it or write it off?? (which if they do i'll be hunting another immaculate Hawkeye)...

 

they wont write that off mate, its a 10k car

 

yea that'll be repaired its just cosmetic.

 

since it's NOT your fault and I assume other party has admitted to being, or found to be at fault then you have option to insist repair if you so choose, under common law and the criminal damage act. See this post for more information.

Hope it all goes without fuss for your, glad you're ok.

 

You never know these days, underlying damage and labour can rack the bill up pretty quickly, i want it fixed if even close to possible...

Yeah i guess it is when you think of it...

Some very good info there, thank you

 

even if they do write it off, buy it back and fix it up with the money, just make sure they pay whats its worth since it then becomes cat D and will drop in value. Still it dont look as if its a write off to me

 

As above, if you repair then the car will drop in value significantly, if you have a choice then take the write-off money, buy the car back from the insurance co, fix it up and sell it, this will result in a much larger net worth.

 

Same things just happened to me and it was my fault, I let the insurance write it off and got it back with a decent cheque, looks like im gonna have a few hundred quid pocket money afterwards, and mine was a total mess compared to yours.
Good luck

 

If it gets close to being a write off, ask the Insurance engineer for a contract repair price.

This will ensure the car doesn't get classed as any category of write off, you'll get the car back along with a big cheque.

You then have the choice to either sell the car as it is, or get the car repaired yourself using whoever you want, with possibly second hand parts..

HTH, Neil.

 

That will be written off, late STI's fetch strong money as repairable salvage to insurance companies, so if the repair bill comes in at anything over £4000 it will be written off.

 

Agree with you regarding salvage value, but totally disagree with your £4000 write off limit, especially as it is a non fault accident and the engineer assessing the car will not be linked to the insurance company who is paying for the repairs.


You can, and I do regularly, go up upto 3/4 of the cars value for repairs.

 

I'd think they would repair it provided it is just cosmetic and nothing has been bent.

 

Thanks for all the input guys, she's on finance so that reduces the options somewhat, guess we'll just have to wait and see...

 

Just been through the same dilemma as I was hit by a truck tyre at 2am on a Belgium motorway last month. Mine is worth at the very most £4k which doesn't leave a lot for repair bills (50-60% of the car's value is the limit in most cases). Thankfully, the bill has come in at £1.5k and the assessor had no issue with authorising the work to be done.

Yours should be repairable, I'd think (again, assuming the chassis is square). Not sure what parts are like on the Hawkeyes, but I was pleasantly surprised to find that a bumper for a bug is only £185!

 

My long term plans were to keep this car for a very long time and maybe go for a forged short block next year so i'm really hoping it does get repaired as it's/was a lovely example.

 

Will be written of easy repair bill will be 4k+.

 

Was in the same boat as far as wanting to keep the car not least because I would have just replaced it with a newer one anyway so I may as well save the cash / finance costs and spend it on mods for the the one I already have!

Fingers crossed for you - if they get funny about it and it's marginal whether they repair it or not, it might be worth getting an independent bodyshop to give you a quote to compare with (some of the "approved" body shops can inflate their quotes to cover the discounted rates they offer the insurer in the first place - allegedly )

When is it being inspected?

 

If it's marginal i'll see if some pound notes can sway the difference

It's sat out on the drive at the moment so i cant see it being collected now before mon/tue but the repair place it's going to is known by me and has a good reputation and done some paintwork for me in the past so fingers crossed...

 

Daylight pics... Sadly even i'm thinking it's probably a write off, i guess it depends how much of it is bolt on/off...

 

Barely touched it, little more than a scratch.

Seriously that does not look too bad, i'd get that fixed if i were you,view it as an opportunity to get some nice bits like a carbon bonnet,front mount,induction kit and a remap

 

It's being collected in the morning and they will discuss the assesment BEFORE going back to the insurance company if its anywhere near borderline Everything crossed...

 

Why are they taking it anywhere? They should assess it in situ. You have the right to choose a repairer yourself - I wouldnt let them have it unless you have a payout cheque.

Here is my reasons

My GF had an accident a few years ago (actually similar damage to your car and no fault). The company came to the address and were meant to assess it, but used a hiab to pick the car up. She got home and phone saying the car was missing and there was a note saying the insurance company/contractor had collected - she still had the keys and everything for the car. Phoned the insurance company and they said they had decided to write it off so had taken it away. At that point I told her to report it to the police as theft and inform the insurance company to return the car until a payout was recieved, to which she was informed it was already with a salvage company. Anyways next morning the car arrived back but by that point already had some interior stripped out. The cheque took several more weeks to arrive and eventually got to buy the car back - perhaps this is a unique story but for this reason I'd be VERY wary letting a company take the car to anywhere other than the bodyshop you specify!!

 

guna be close mate,

if they give you the choice to buy back with a pay off, do that and sell the car for bits, its got a few quids worth of tackle fitted

 

Wow that sucks The bodyshop they recommended was the one i was going to ask for it to go to anyway, it's within walking distance of me and i've had work done there before, there collecting it in the morning and i'll be here when they do so, then i'll go and speak to the man who's assesing it in person, they will probably see me as a pain in the **** but if i get the outcome i want i couldn't really care less lol

I'm happy to throw a £1k into the equation and put my mods on hold till next year if it means it can be saved, still gonna be close though

 

I got side-swiped by an old guy a few years ago (he didn't even stop, told the police later that he didn't even know he'd hit me ). The repair bill came to just shy of £3k, the car was my old XR4x4, worth about £1500 at the time. I told my insurance company that I wanted it repairing, as the chances of finding another of that age in that condition were pretty slim. It took some wrangling but it eventually got rebuilt

If the accident was not your fault, you definitely have a lot more say in the end result

 

has the radiator moved?

can you get a pic looking verticly down on the front corner with the bonnet open?

 

it looks quite an easy repair,
new wing, light,bonnet and bumper, all bolt on parts.
i think it will be repaired

 

Problem is the damn salvage value of Scoobs...

If the other party admitted liability, I think you are legally allowed to insist on repair. Something to do with Criminal Damage I think.

 

I think as long as she is straight then i'll be pushing for the repair, i've had a wonky car straightened before and it never did handle right after so thats not somthing i'd do again.

 

Gutted for you, I would hope its not written off.

My old RB5 came close to get getting written off a couple of years ago after being rear ended, must be have about £2 grands worth of damage.