 |
 | Home | Contact Us | FAQ | Search & Site Map | Link to Us |
 | Sign In | Join | Other 45 Sites in Network |
Car Forum / MINI / October 2003mini in car crash, estimates for settlement from insurance?
Unfortunately I was in a crash in my beloved mini cooper last night, although I didn't see the extent of the damage as I was being hauled out by paramedics (it's ok, only whiplash and a bad knee) I had a horrible gut feeling the car may be written off. Anyone any ideas what price you could get for a 1998 (R reg) mini cooper (tahiti blue) with 75000 on the clock. I've seen similar cars with slightly less mileage going for around ?5000, reckon I could get ?4,000 for it? It has a good service record (only lapsed recently) and I have owned it from new. The damage to the front of the car was extensive. Bulkhead buckled by drivers feet, although the window was still in place and the dash more or less straight. Drivers door would open properly cos of damage to the drivers side wing but the passenger side seems fine. Basically the front end of the car needs to be rebuilt. Any idea how much this would cost? because I really don;t want to scrap it, besides, for parts alone the back end of the car is worth money. Any help greatly appreciated -- Chris Long www.chris.a.long.btinternet.co.uk (remove [spam] from email if needed) hi m8 sorry to hear about your crash, minis dont take a bump very well do they. You said "Bulkhead buckled by drivers feet", really they cant/should not fix that So its a new shell plus paitnig,etc or write off. Most insuracne companys will just write it off and give you "market value" for it sadly >hi m8 sorry to hear about your crash, minis dont take a bump very well do >they. You said "Bulkhead buckled by drivers feet", really they cant/should >not fix that So its a new shell plus paitnig,etc or write off. Most >insuracne companys will just write it off and give you "market value" for it >sadly Might give you a starting point http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&item=2437092119&category=38708 hmmm, thanks for the help its what i thought really. Although I'll still wait it out and see how much they offer and how much they will deduct if I take the wreck as well. It may be possible to repair if I add some more money. -- Chris Long www.chris.a.long.btinternet.co.uk (remove [spam] from email if needed) > hi m8 sorry to hear about your crash, minis dont take a bump very well do > they. You said "Bulkhead buckled by drivers feet", really they cant/should > not fix that So its a new shell plus paitnig,etc or write off. Most > insuracne companys will just write it off and give you "market value" for it > sadly Good luck with it at then m8 Pressed the button before I had finished typing, the insurance will have to give you the market value, so if you prove to them that is going to cost ?2000 more than they are offering you to get your mini, they will have to up the payout, provide them with say pc scans of minis out of the back of mini world as evidence, look for the most expensive ones too, Steve. > Anyone any ideas what price you could get for a 1998 (R reg) mini cooper > (tahiti blue) with 75000 on the clock. I've seen similar cars with slightly > less mileage going for around £5000, reckon I could get £4,000 for it? It > has a good service record (only lapsed recently) and I have owned it from > new. If you don't have an agreed value comprehensive policy, you'll get offered "market value"; then it's up to you to argue if you don't like it. > The damage to the front of the car was extensive. Bulkhead buckled by > drivers feet, ... Basically the front end of the car needs to be rebuilt. > Any idea how much this would cost? You're describing a write off. > because I really don;t want to scrap it, If this was next month and you had your insurance money in your hand and you were out looking for another Mini the same to buy... If you found your Mini in a car yard somewhere, repaired, and the price matched your payout.... Ask yourself, would you really buy it, knowing it had been in such a severe accident? "Don't be daft!" I hear you say.... > besides, for parts alone the back end of the car is worth money. See how much the insurance company wants for the write off if you really want the parts. After they pay you out, the wreck would normally be auctioned, but they may be willing to sell it direct to you or to tell you when and where it will be auctioned. But only buy it if the parts really are worth the price; don't waste your money on a write off because you have an emotional attachment to the car it once was. agians some really good points. In the end cars are "just tin boxes" was my grandad would say..... > If you don't have an agreed value comprehensive policy, you'll get > offered "market value"; then it's up to you to argue if you don't like > it. And to expand on this important point, don't *ever* accept the first offer from the insurance company. Tell them the car is worth more and they will make a better offer...... every time. You will have to accept the second offer as they are unlikely to haggle any further. But I cannot stress enough, don't accept the initial offer. Insurance companies, like any other industry, are there to make money. For this reason they will always offer the lowest figure they think they can get away with. It is common for people just to take what they are offered because they don't feel they can negotiate with a big company.  SignatureRgds Steve steve@dsnclassics.co.uk www.dsnclassics.co.uk >And to expand on this important point, don't *ever* accept the first offer >from the insurance company. Tell them the car is worth more and they will >make a better offer...... every time. You will have to accept the second >offer as they are unlikely to haggle any further. But I cannot stress >enough, don't accept the initial offer. Try and produce some evidence. A letter from an authoritative source - the Mini specialist who does your servicing; an officer of the Mini club to which you belong; even your local Rover dealer - stating that the car was in exceptional condition and worth a premium price of GBPX prior to the crash will do. Also pictures if you have them. Don't forget also that you are talking about replacement value here. Try and find examples of similar cars in the mags. which reflect the price you are trying to achieve. Regards, David Betts davidb@minilist.org The Mini Gallery: http://www.ofoto.com/I.jsp?m=64635537103&n=1366070334 Just one thing to add, just ask for enough money to buy another one, same age & condition, when they make you the offer which will be negotiable tell them they are being deceptive, produce a list of similar cars from the adds in the back of mini world magazine, > >And to expand on this important point, don't *ever* accept the first offer > >from the insurance company. Tell them the car is worth more and they will [quoted text clipped - 16 lines] > The Mini Gallery: > http://www.ofoto.com/I.jsp?m=64635537103&n=1366070334 thanks for the help people, i'm just waiting to hear from the garage. The car was in excellent condition and I've found other examples of R reg coopers with 65000 (mine had 75000) on the clock going for close to ?5000 So I think I'll try for ?4500 and see what happens. I had a minor repair fixed earlier this year with a rover dealer I wonder if they could vouch for the condition of the car. As for photos for evidence I only have a photo from 18 months ago. Well, lets see what happens -- Chris Long www.chris.a.long.btinternet.co.uk (remove [spam] from email if needed) > Unfortunately I was in a crash in my beloved mini cooper last night, > although I didn't see the extent of the damage as I was being hauled out by [quoted text clipped - 22 lines] > > (remove [spam] from email if needed) |
Reply to this Message |
 Sign In
 Join
 My Latest Posts My Monitored Threads My Blog My Photo Gallery My Profile My Homepage Start New Thread Enable EMail Alerts Rate this Thread
|
©2008 Advenet LLC Privacy Policy - Terms of Use
This website includes both content owned or controlled by Advenet as well as content owned or controlled by third parties.