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Thread: Just had my vec gsi written off!!!

  1. #1
    Regular Member fester999's Avatar
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    Angry Just had my vec gsi written off!!!

    I recently had a non fault accident, the other party has admitted full blame.
    He has claimed on his insurance, my car is at a local bodyshop in Stoke-on-Trent.
    I have been lent a hire car.
    My car is an 04 plate silver gsi, it has only just done 40,000 miles, I have owned it for about 8 months.
    I have had a full service and cambelt done, it is a brill car.
    The damage is rear bumper wrecked, no damage to car body apart from the panel under the bumper where the air vent is. Also the black inner wheel arch busted and the clips to hold the bumper on.
    There is a minor mark to the alloy wheel.
    I have had a call today to be told that it is a total loss!
    The car is valued at £2500 the repair is £2300!!! WTF
    I can request a price and the car back.
    It is a ball ache, it means trying various bodyshops and getting prices.
    I dont want the car written off, I want it fixed.
    Any ideas folks?
    I'll get some pics and put em on.

  2. #2
    Regular Member benholden2010's Avatar
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    Request the car back asap before they write it off, you are well within your rights to ask for cash settlement aswell as to keep car, my dad just had a close call with his BMW after some old bint smashed into it, insurance said it was a right off and almost took the car from him without even asking him! Just be firm with them and you should win

    Sent from my Samsung Galaxy S II

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    Regular Member fester999's Avatar
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    Cheers mate.
    The repairs have been cancelled, I've got to ring em back and tell em what I want.
    It would be sad to see a good car written off with just cosmetic damage.

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    Quote Originally Posted by benholden2010 View Post
    Request the car back asap before they write it off, you are well within your rights to ask for cash settlement aswell as to keep car, my dad just had a close call with his BMW after some old bint smashed into it, insurance said it was a right off and almost took the car from him without even asking him! Just be firm with them and you should win.
    Unfortunately, that's not true. Insurance companies stopped letting customers having the cars back as well as the cash, years ago, because too many of those cars became "ringers" - dodgy people transfer the identity onto a stolen car and pretend it's the repaired car (The same reason why a repaired cat-c write off needs a VIC check - they examine the car to make sure it was damaged and then repaited like the owner claims). If your insurer wants to write it off, then either you'll have to accept the cash offer and the keep the car, OR you withdraw the claim, get it repaired at your choice of garage, pay the bill and claim the money back yourself from the guilty party or their insurance co.

    The only way to accept the cash from YOUR insurer AND get the car back is to somehow find out which salvage company they'll sell the car to and buy it back off that salvage yard - and you might have to buy it at an auction to do so.

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    Regular Member alcutler's Avatar
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    I had someone run into my old Astra estate - it only damaged the front bumper and the insurance wrote it off - I bought it back for £150 and fitted a second hand bumper from a scrapyard - paid another £25 to get it sprayed and the insurance paid me out £1500 - I ran it for another 2years and eventually sold it for £1200 - cheap motoring or what!

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    Quote Originally Posted by Rebellion View Post
    Unfortunately, that's not true. Insurance companies stopped letting customers having the cars back as well as the cash, years ago, because too many of those cars became "ringers" - dodgy people transfer the identity onto a stolen car and pretend it's the repaired car (The same reason why a repaired cat-c write off needs a VIC check - they examine the car to make sure it was damaged and then repaited like the owner claims). If your insurer wants to write it off, then either you'll have to accept the cash offer and the keep the car, OR you withdraw the claim, get it repaired at your choice of garage, pay the bill and claim the money back yourself from the guilty party or their insurance co.

    The only way to accept the cash from YOUR insurer AND get the car back is to somehow find out which salvage company they'll sell the car to and buy it back off that salvage yard - and you might have to buy it at an auction to do so.

    Sorry not true, i got offered my written off car back in December with a lower cash settlement or they keep the car for a higher settlement

  7. #7
    Regular Member Derek Mc's Avatar
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    It is possible to get the car back from the insurer, demand it or demand an independant valuation of works, and from what you describe this one stinks badly as though there is collusion and the write off is to enable someone to lay their hands on a silver GSi!!

  8. #8
    Regular Member benholden2010's Avatar
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    Quote Originally Posted by Rebellion View Post
    Unfortunately, that's not true. Insurance companies stopped letting customers having the cars back as well as the cash, years ago, because too many of those cars became "ringers" - dodgy people transfer the identity onto a stolen car and pretend it's the repaired car (The same reason why a repaired cat-c write off needs a VIC check - they examine the car to make sure it was damaged and then repaited like the owner claims). If your insurer wants to write it off, then either you'll have to accept the cash offer and the keep the car, OR you withdraw the claim, get it repaired at your choice of garage, pay the bill and claim the money back yourself from the guilty party or their insurance co.

    The only way to accept the cash from YOUR insurer AND get the car back is to somehow find out which salvage company they'll sell the car to and buy it back off that salvage yard - and you might have to buy it at an auction to do so.
    Can't be mate, along as the cars not a cat A or B you can have it back, obviously you won't get as much cash if you ask to keep car and cash settlement, but if you can fix it for a couple of hundren quid its sometimes worth while. As I said my dads just done this so its still possible

    Sent from my Samsung Galaxy S II

  9. #9
    Regular Member alcutler's Avatar
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    As posted above my Astra was written off by my insurance company after damage that I got fixed for £75 - I wondered if I had to take it anywhere to have the repair examined and if I would have problems when it came to renewing the insurance but I didn't have to do anything - my insurance company weren't bothered. I did report everything I had done to them but they weren't interested. The other thing I did was take stage by stage photos of the damage and the repairs carried out and showed them to the bloke who later bought it off me - he was happy enough with this and bought the car. It was an older car and you would probably have more problems with a newer one - but I think if you are honest and can prove what has been done with documentation and pictures most people will accept this.

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