golf gti write off

Discussion in 'Driving/Incidents/Roadrage' started by maverick999, Nov 21, 2010.

  1. maverick999

    maverick999 New Member

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    Hi just wanted to get some advice on here my partner was involved in a 3 car shunt today. she was stationary behind a car and a range rover smashed into a car at a top of a hill dont think he even braked he pushed that car into my partner car. She couldent move as she had back and neck pains and the she had to be cut free from the car the car is a complete write off and she has been in hospital all day.

    She has the all clear now but can barely move or walk they said she has whiplash. the problem i have the car was on finance and we still have about 3 years to pay and the car which is a golf gti is worth less that the amount we owe.

    do u think we will be able to get the car finance to give us the money we get from the car to buy another car and carry on making the repayments on what we owe or will we have to give them the money plus pay any outstanding re payments any advice or websites with infomation would be really appreciated
     
  2. Markedes

    Markedes Active Member

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    I think you will find that the insurance company will pay you out direct and that you can then choose to purchase another car, or pay the money that you get off the finance if you are able to without incuring a penalty for paying off early. Ie early redemption fee. The finance company will not be concerned with the condition of the vehicle only the continued payment by yourself.

    I hope your partner is on the mend and that your insurance company will be pursuing damages on your partners behalf.

    Hope this helps
     
  3. Pontoneer

    Pontoneer Hardcore MB Enthusiast

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    The insurance company of the guilty party ( assuming they are insured - otherwise claim directly against the wrongdoer or the MIB fund ) should provide you with a settlement to put you back in the position you were in before with a similar car .

    Re your partners injuries. - they should meet the costs of healthcare / loss of earnings etc - best to consult an injury lawyer re this if not already provided by your insurer - this side of things could be £££ more than the car .

    Hope she recovers soon - and chase police to make sure book is thrown at bad guy .
     
  4. davidjpowell

    davidjpowell MB Enthusiast

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    Speak to your car finance company. If you have a good history with them they may be able to help, depending on how flexible their systems are.

    In future, if you are considering a car on long finance, and presumably with a relatively small deposit, Gap insurance (bought yourself not off dealer) is worth considering.
     
  5. wemorgan

    wemorgan MB Enthusiast

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    Hope I'm not being uncharitable here, but is this OP genuine? New member, first post, Golf Gti, insurance thread?

    But I do wish your wife well none the less.
     
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  6. Colin_b

    Colin_b MB Enthusiast

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    Fairly straightforward, assuming the cars that hit you were insured. You claim against the car that hit you, and they claim against the car that hit them. You really don't want a write off, assuming the value of the car is less than the outstanding payments, so push for repairs if possible.

    Injury is more complex, either a relatively quick £2k/£3k 'whiplash' payout, or more protracted negotiation if more serious.

    Be prepared for dozens (at least!) of calls from ambulance chasers. If you need to use one, use a reputable one picked with great care, otherwise you can end up facing very big bills.

    Gap insurance would have been your friend if the car is written off.
     
  7. nick mercedes

    nick mercedes MB Enthusiast

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    Explaining why everyones insurance costs have gone into orbit.

    Oddly in countries without a compenstation culture and without all the greedy parasites that it generates, whiplash injuries are unheard of....
     
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  8. BTB 500

    BTB 500 MB Club Veteran

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    I would say genuine, but no obvious M-B connection. I've noticed a couple of other new members recently who don't have any apparent interest in M-B.

    Perhaps we should rename to "carforum.co.uk"? :devil:
     
  9. nick mercedes

    nick mercedes MB Enthusiast

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    Too late, firebrigade (the ones who should really be saving people from burning buildings) will have cut the roof off.

    Still what's more important, loads of lovely compo ($$$!) and even richer lawyers making sure we all get the compo we *deserve* or people not dying in burning buildings....
     
  10. Pontoneer

    Pontoneer Hardcore MB Enthusiast

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    Fire AND RESCUE services do much more than tackle fires : primarily , the Community Education directorates devote many resources towards prevention of incidents ; educating the public on matters of fire safety , and targeting young people in particular in matters of road safety to reduce the number of road crashes we are called out to ( statistics still show that young people , and predominantly young males , are involved in the majority of road crashes ) - please note I never use the word 'accident' to describe these incidents . The success of this strategy is proven , in my personal experience alone , by the number of fire fatalities I have to attend : when I started working for the Fire Service in 2004 I could almost guarantee having to deal with a fire fatality or two any weekend I was on duty ( the usual scenario being the single male who comes home from the pub late on a Friday or Saturday night , decides to put the chip pan on , or sit down with a cigarette , then falls asleep - despite the fire service generally being there within 10 minutes of the alarm being raised it is often too late ) ; these days I get maybe one or two a year - I actually can't remember when I last had to deal with one - so it proves that messages about chip pans , smoking etc , and fitting of smoke alarms are all working . We are , therefore , well on target regarding people 'not dying in burning buildings' !

    All Fire and Rescue services are now also responsible , by law , for inland water rescue as well as a number of other situations .

    In the case of an RTC , where there is any indication of back trauma , the incident commander will always extricate the casualty on a spinal board in such a way as to minimise the risk of further injury or paralysis from taking place , this will usually involve the roof being cut off the vehicle , depending on what has happened , but could just as easily involve the B post being removed and the side cut away , or extrication via the tailgate - no consideration is taken of value of any vehicle as this takes second place to preservation of life or prevention of injury - who in their right mind would care about a 'tin box' compared to someone potentially being paralysed for life ?? . As long as a vehicle is still burning or persons are trapped the Fire Service incident commander has absolute premacy in charge of the incident and he alone will decide what is to be done - only once fire is extinguished / all casualties are safely removed and evacuated will the incident be handed over to police whose role up to that point is traffic control / protection of scene ; after that , the police will , if appropriate carry out crash investigation to determine how/why the crash occurred and who , if anyone , was at fault .

    In the case of the OP's partner - it was only right and proper that the lady was extricated safely , and now that the situation has arisen then her lawyer or insurance agent must try to get the best outcome for her .
     
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  11. Pontoneer

    Pontoneer Hardcore MB Enthusiast

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    To illustrate what can happen at an RTC , here are some photos of an exercise that I took part in a number of years ago . This will be in two parts , as per the original post , due to the number of pictures that can be put into a single post on here .

    The example below shows how the side can be cut away from a car that lands upside-down


    As some of you may know , I work as a photographer for the Fire Service and , yesterday , we held a 'Crash Rescue Challenge' in which various fire crews from around the country compete to see who can cut a victim out of a car quickest.

    In order to do this we obtain a number of scrap cars from breakers yards and 'simulate' accident damage to some of them (using sledgehammers or other means).

    It so happened that one of the vehicles used yesterday was a Mercedes 190E and I thought some of the pictures might be of interest.

    This was the rather sad looking 190 I spotted in the yard ...
    [​IMG]

    It wasn't long before it fell victim to our fork lift truck ...
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]

    Once the car was in place , we got the 'victim' into it ...
    [​IMG]

    Then it wasn't long before the fire crew arrived...
    [​IMG]
    [​IMG]
    [​IMG]

    They quickly swing into action stabilising the car by putting blocks underneath
    [​IMG]
    [​IMG]

    And one of the firefighters enters the car to reneder assistance to the victim
    [​IMG]
    [​IMG]
    [​IMG]

    In the meantime the crew are working on extracting the victim from the car
    [​IMG]

    One of the first things is to break glass in a controlled manner , shielding the occupants from flying splinters
    [​IMG]

    With the glass disposed of they set about cutting away the door frame
    [​IMG]
    [​IMG]
    [​IMG]

    Then the top of the 'B' pillar is cut
    [​IMG]

    In order to free the bottom of the 'B' pillar they start to cut into the sill - those jaws cut through the sill like a knife through butter ...
    [​IMG]

    Then they use the 'spreaders' to separate the bottom of the 'B' pillar from the sill and peel it away along with the front door...
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]
     
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  12. Pontoneer

    Pontoneer Hardcore MB Enthusiast

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    Had to split the posting in two as there were more pics than allowed

    [​IMG]

    It only takes a couple of minutes to open up the whole side of the car...
    [​IMG]
    [​IMG]
    [​IMG]

    With that done , it is time to get the victim out
    [​IMG]

    Here comes the 'spineboard'
    [​IMG]
    [​IMG]
    [​IMG]
    [​IMG]

    Afterwards , this is whatis left of the car :eek:
    [​IMG]
    [​IMG]

    The whole exercise took around 10 minutes from start to finish [:D]
     
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  13. Mcnasty

    Mcnasty Active Member

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    And getting more nights with undisturbed sleep! :D;)
     
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  14. 312 Sprinter

    312 Sprinter Active Member

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    Interesting, whilst it was upside down you could have asked them to cut the diff out for Spike though :p
     
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  15. OP
    OP
    maverick999

    maverick999 New Member

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    thanks for the responce phoned the finance company today and they said they will take all the money from the insurance payout plus and any oustanding debt on the car will need to payed off in full in 90 days which i think is a bit harsh. what do u think i should get the money off the insurance company buy a car with it and just carry on paying them there money we have paid about eight grand on the car so they have made money on it any more advice please
     
  16. raymont

    raymont Active Member

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    Whilst not being an expert here I would have thought what happens depends on the nature of the finance. E.g if it's HP I believe the HP co are the owner of the vehicle and would, I guess, get the money. If it was a personal loan then you would own the car and I would have thought you would get the insurance money.

    Does anyone know where ownership resides in other forms of finance such as PCP etc.

    At the risk of being wise after the event this is the sort of situation that would be covered by GAP insurance.
     
  17. JOB-BLACK-RAT

    JOB-BLACK-RAT MB Enthusiast

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    Dont you just love money lenders :mad:

    Let the FC take the money from the insurance company. Then see your bank and refinance the outstanding balance (your APR will be cheaper).

    Buy yourself a cheapo runabout and wait for the injury payout, pay off your bank loan with that.

    Start again with a new motor and px the runabout.

    And next time buy the gap insurance, I also found out the hard way when hit by a fail to stop motor:wallbash:

    Good luck.
     
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  18. raymont

    raymont Active Member

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    If you do buy GAP insurance be sure NOT to buy it off the dealer. It is much better value if you go direct to the ins co. A quick GOOGLE will find a few.
     
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  19. Burger

    Burger Active Member

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    First off, buy gap insurance from where you get the best deal. To say don't buy it from a dealer is ridiculous advice because it tars all dealers with the same brush, and they're not all the same. By a million miles the best gap insurance deal I got was direct through MB Swindon. By all means shop around, but remember the best deal isn't always the best price!

    To the OP: You should have had legal protection with your insurance and you should already be talking to them. They will attempt to recover your uninsured losses from the other parties involved. They will also pursue payment for any additional expenses you incurr including medical, time off etc.

    The finance company are well within their rights to demand full settlement of the vehicle as the chances are the loan was secured on the vehicle and they just lost their security.

    You should check the small print of your finance agreement carefully as it will say somewhere, once you have paid X amount the vehicle is yours and the finance company cannot repossess it. The same laws also protect you to some extent in these circumstances in as much as you can delay full settlement.

    This is of course assuming the loan was made on the purchase of the vehicle and was not a personal loan. If it was a personal loan then you absolutely do not have to settle the agreement.

    There is much detail, law, compensation schemes, loss recovery etc. involved in such circumstances and your insurance legal team are in a much better position to be able to help you. If you didn't have legal protection with your insurance (which is usually free) then you need to speak to a specialist motoring solicitor asap.

    Regards,
     
  20. raymont

    raymont Active Member

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    OK, dealer could be the best buy for GAP insurance. Have to say my experience from Land Rover and MB was that it was aout 2.5 times as expensive as buying from another source.
     
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