coneybiller
Active Member
Well after spending a LOT of money on my W210 320cdi, I ended up in a prang...
On my way to work the other night, I pulled into a filter lane to make a right turn off of a main road into a side road. There was a car waiting at the junction to turn right. There was nothing coming on the main road, so I started pulling into the side road (around the waiting car) and the car that was waiting, somehow didn't see me and pulled off, smashing into the side of my car!
The drivers side rear door is completely stoved in and the drivers door has a slight bend and scratch. The wheel arch has a slight scratch also. The sill hasn't been touched and doesn't appear to be bent in any way. The B pillar also appears to not be affected, although I think the hinges are bent or possibly where they attach to the B pillar, could be affected but not sure. The rear door is quite out of shape and is pushed back slightly. The front door is slightly bent out at the bottom, so not sure if the hinges are bent there too! Both doors open/close without too much effort and the rear window still goes up and down fine (slight rubbing inside at lower travel).
Now I'm pretty certain it was not my fault, and after I had calmed down and had run out of expletives, we swapped details and that was that. I phoned my insurance company the next day to start proceedings. Only now I'm not so sure its a good idea, going through the rigmarole when my car probably isn't worth a lot of money in terms of market value. As said before, I've spent a lot of money on the car so I'm now not sure as to what course of action to take.
Do I:
A) Cancel (if possible) my insurance claim as they've not even taken or arranged to take the car off of me as of yet; and keep it and buy 2 doors off of eBay and be done with it?
B) Take what little insurance money I get and be done with it?
C) Go through the insurance and take the money and buy the car back off them if classed as a Cat D/C and repair it myself?
Obviously I have to deduct as well, the rest of my insurance premiums (£350) and if the decision falls out of my favour (which it won't), £300 excess. Leaving me, with around a payout of £400 maybe more (if I'm lucky).
I have parts for the car sat in boxes ready to be fitted (yet more money). Im not sure what to do!!!!!!
On my way to work the other night, I pulled into a filter lane to make a right turn off of a main road into a side road. There was a car waiting at the junction to turn right. There was nothing coming on the main road, so I started pulling into the side road (around the waiting car) and the car that was waiting, somehow didn't see me and pulled off, smashing into the side of my car!
The drivers side rear door is completely stoved in and the drivers door has a slight bend and scratch. The wheel arch has a slight scratch also. The sill hasn't been touched and doesn't appear to be bent in any way. The B pillar also appears to not be affected, although I think the hinges are bent or possibly where they attach to the B pillar, could be affected but not sure. The rear door is quite out of shape and is pushed back slightly. The front door is slightly bent out at the bottom, so not sure if the hinges are bent there too! Both doors open/close without too much effort and the rear window still goes up and down fine (slight rubbing inside at lower travel).
Now I'm pretty certain it was not my fault, and after I had calmed down and had run out of expletives, we swapped details and that was that. I phoned my insurance company the next day to start proceedings. Only now I'm not so sure its a good idea, going through the rigmarole when my car probably isn't worth a lot of money in terms of market value. As said before, I've spent a lot of money on the car so I'm now not sure as to what course of action to take.
Do I:
A) Cancel (if possible) my insurance claim as they've not even taken or arranged to take the car off of me as of yet; and keep it and buy 2 doors off of eBay and be done with it?
B) Take what little insurance money I get and be done with it?
C) Go through the insurance and take the money and buy the car back off them if classed as a Cat D/C and repair it myself?
Obviously I have to deduct as well, the rest of my insurance premiums (£350) and if the decision falls out of my favour (which it won't), £300 excess. Leaving me, with around a payout of £400 maybe more (if I'm lucky).
I have parts for the car sat in boxes ready to be fitted (yet more money). Im not sure what to do!!!!!!
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