Yet another accident

[Diana1990]

Hey all. Not sure if you remember me but last year I appeared here regarding advice after being in accident. Car came back to me all repaired looking new. However on Saturday yet again I was involved in another accident, not my fault. I was rear ended at a roundabout. This time severe damage to rear bumper, tailgate and light. Seems only to be cosmetic. Going through Auxillis again cause it standard no fault claim and they ar much more inclined to pay the cost rather then 3rd party insurance as I'm sure they will declare it write off given the car is worth around 17k and damage it's probably in region of least 10k again. What's all your thoughts guys?

 

[TC350]

Hey all. Not sure if you remember me but last year I appeared here regarding advice after being in accident. Car came back to me all repaired looking new. However on Saturday yet again I was involved in another accident, not my fault. I was rear ended at a roundabout. This time severe damage to rear bumper, tailgate and light. Seems only to be cosmetic. Going through Auxillis again cause it standard no fault claim and they ar much more inclined to pay the cost rather then 3rd party insurance as I'm sure they will declare it write off given the car is worth around 17k and damage it's probably in region of least 10k again. What's all your thoughts guys?

Impossible to judge the severity of the damage from a photo. I had an E-class rear ended many years ago and it looked like needing little more than a bit of T-Cut. It turned out that the boot floor was distorted. Although the car was getting on a bit so not worth a great deal, it was repaired under the 3rd party's insurance.

 

[Diana1990]

At present there is no indication of any damage underneath. Everything seems fine. Back panel may be twisted. But mechanically everything is in working order.

 

[TC350]

At present there is no indication of any damage underneath. Everything seems fine. Back panel may be twisted. But mechanically everything is in working order.

I thought everything was fine with my car too. The floor damage wasn't spotted until it went in to Mercedes for repair.

Good luck with yours. Hopefully it gets repaired and not written off, which would be a loss for you.

 

[Diana1990]

I thought everything was fine with my car too. The floor damage wasn't spotted until it went in to Mercedes for repair.

Good luck with yours. Hopefully it gets repaired and not written off, which would be a loss for you.

The car is definitely repairable. It's a question of cost. If they declare write off, I'll just take the payout but still get Mercedes to repair the car anyway. That's my back up place at present

 

[ioweddie]

I rather it was written off if it was mine. negotiate a decent settlement. Buy another one thats not been repaired

 

[Diana1990]

I rather it was written off if it was mine. negotiate a decent settlement. Buy another one thats not been repaired

I've looked already. This car has low miles, it's manual and in absolute prestined condition. All cars around this age are either automatic, or higher mileage. I want my car back and why should it be sent to scrap when it's perfectly repairable and will be safe.

 

[John N]

I've looked already. This car has low miles, it's manual and in absolute prestined condition. All cars around this age are either automatic, or higher mileage. I want my car back and why should it be sent to scrap when it's perfectly repairable and will be safe.

In my case the OCD would kick in every time I looked at the car after the Repairs had been done, I would never be happy ever again! Yor Car, your decision!

 

[Diana1990]

In my case the OCD would kick in every time I looked at the car after the Repairs had been done, I would never be happy ever again! Yor Car, your decision!

I know I sound silly . But I've heard from Mercedes this morning and they are waiting on estimate but they are atm saying its repairable and will be repaired, but that's not set in stone just yet. I think as I'm going through Auxillis and Sytner..... Their ratio is much higher on repairing cars then say 3rd party insurance and deciding if it's cost effective. I'm thinking it's gonna cost around £10k at very least, potentially as high as £13k/14k and with car valued at around 17/18k.....thats still cheaper then potential pay out.

 

[ALFAitalia]

Unless thee is more damage that you are showing it does not look like 10k worth to me. Don't accept a no fault claim when the driver who hit you must be at fault....unless you had no lights or were reversing!!! Personally I ALWAYS go stright to the third parties unsurer.....much faster way.

Very rare that they will repair a car where the bill is more than about 70% of the cars value.....partly because the car will have a high trade value to them and be auctioned on for repair....so paying out more than 70% ish will lose them money.

 

[Diana1990]

Unless thee is more damage that you are showing it does not look like 10k worth to me. Don't accept a no fault claim when the driver who hit you must be at fault....unless you had no lights or were reversing!!! Personally I ALWAYS go stright to the third parties unsurer.....much faster way.

Very rare that they will repair a car where the bill is more than about 70% of the cars value.....partly because the car will have a high trade value to them and be auctioned on for repair....so paying out more than 70% ish will lose them money.

I went directly to Auxillis and Sytner already and hire car is being delivered today. I used them last year and everything was agreed and authorised within 24hrs and parts were at the garage 3 days later. From start to finish, it took week and half. Everything went smoothly I'm sure using just third parties would take tad longer for the estimate to be done and so on. But mainly I've used them because I think they would bee more willing to pay to repair then 3rd party. I'm almost certain 3rd party will write it off and try to give low payout, but cause I'm using Auxillis, they don't care... They'll pay near enough max to value of car to repair and will recoup the cost from 3rd party. If 3rd party disagree with paying out for repairs at later date, no my issue because I'm protected with Auxillis and one way or another they will recoup the cost. Atm 3rd party aren't getting a say because Auxillis will pay for repairs first of all anyway then go to 3rd party. It's already agree as standard no fault claim so I won't be paying a dime. Yes I've heard the horror stories of using Auxillis a claims but I'm prepared to attend court or whatever they need me to do should it get there. I'm quite confident I'm in safe hands with them. It's also Styner aftercare that handles Auxillis.

 

[DSM10000]

I know I sound silly . But I've heard from Mercedes this morning and they are waiting on estimate but they are atm saying its repairable and will be repaired, but that's not set in stone just yet. I think as I'm going through Auxillis and Sytner..... Their ratio is much higher on repairing cars then say 3rd party insurance and deciding if it's cost effective. I'm thinking it's gonna cost around £10k at very least, potentially as high as £13k/14k and with car valued at around 17/18k.....thats still cheaper then potential pay out.

Surely it is the decision of the company insuring the other driver that determines if it is repaired or written off?

 

[Diana1990]

Surely it is the decision of the company insuring the other driver that determines if it is repaired or written off?

You would think. But from what happened last time and what's happening now, once a estimation is given for repairs, Auxillis agree it and then initiate the repairs and basically then claim the money back from 3rd party. Auxillis is a claims handling company... They are giving me a hire car too and at no point have they been in contact with the 3rd party to determine if they accept the cost of hire car. Basically Auxillis wouldn't take a case on if they couldn't recoup the costs. Instead of 3rd party paying our right, Auxillis do and then claim money back

 

[Fastcar155]

I've looked already. This car has low miles, it's manual and in absolute prestined condition. All cars around this age are either automatic, or higher mileage. I want my car back and why should it be sent to scrap when it's perfectly repairable and will be safe.

My Mercedes C207 was written of 12 months ago.My car had a full MB service history and a low mileage for the year. My Insurance company were exceptional in the way the handled the claim and paid out by return.

My car had an average valuation of £14000 by these car buying companies and the repair cost was £12000.

The insurance company stated that the car was repairable but they would not considered a repair but cause of the performance of the car and what they would receive at auction.

My car was dark blue plus a tan interior that would easily sell for a good price.

Would I have wanted the car back : No

I do hope your outcome is satisfactory.

 

[Diana1990]

Turns out the repair is major and expensive. Very large. Back panel is badly damaged and totally dented. However.... They aren't declaring it a write off and repairs are now authorised which means it's good to go. I'm quite surprised to be honest, because if I'm honest I expected it to be a write off as cost outweighs the cost of car pre accident. Last year the repair was around 12k and that was rear and front bumper plus one headlight. This time it's tailgate, rear bumper, the right light at back and back panel. So if repair last year was just short of 12k....this one must be at least 14...15k. Which means my car is clearly valued higher than when I purchased it cause I wouldn't expect anyone to pay damages when it's close to value limit. Usually they operate at 60% of cars value right? But I would assume with Auxillis they would operate close to value because they simply don't care as they won't foot bill come end if day as it comes back from 3rd party.

My car is now 5yrs old.... Is AMG executive line, petrol, manual and has less then 24k miles on it... Maybe a class have gone up in price since I bought it last Oct?

 

[markjay]

Personally I ALWAYS go stright to the third parties unsurer.....much faster way....

We've had this discussion in the previous thread, and that was my advice as well. However, it seems that the OP prefers to deal with the accident management firm appointed by her own insurer.

 

[Diana1990]

We've had this discussion in the previous thread, and that was my advice as well. However, it seems that the OP prefers to deal with the accident management firm appointed by her own insurer.

Haha. Same situation as last time but with heavier damage. Can't believe another accident in space of 3mths. Ridiculous.

But actually my insurance doesn't know a thing. I drove the car to Mercedes and Styner took over. My insurance isn't even aware. Once again Auxillis footing bill and will recoup back from 3rd party. My sole reason for post is to get her views and opinions on if many thought it was write off or not

 

[DSM10000]

Haha. Same situation as last time but with heavier damage. Can't believe another accident in space of 3mths. Ridiculous.

But actually my insurance doesn't know a thing. I drove the car to Mercedes and Styner took over. My insurance isn't even aware. Once again Auxillis footing bill and will recoup back from 3rd party. My sole reason for post is to get her views and opinions on if many thought it was write off or not

You need to inform your Insurer regardless of the fact that you are not claiming from them.

 

[markjay]

...Very rare that they will repair a car where the bill is more than about 70% of the cars value.....partly because the car will have a high trade value to them and be auctioned on for repair....so paying out more than 70% ish will lose them money.

True. They also take onto account that:

(a) The final repair bill is usually higher (due to additional damage/issues discovered once they start dismantling the affected area), and rarely lower than the estimate.

(b) The cost of the hire car while the damaged car is bring repaired (days/weeks).

(c) The value of the 'wreckage' I.e. what they will get for the car when it is sold to Copart to auction it to traders who will either repair it or sell it in parts.

 

[markjay]

...But actually my insurance doesn't know a thing...

Err... that's not good. You must inform your insurer immediately, and tell them this is 'notification only' and you're not making a claim on your own policy. It's a condition of your motor insurance policy that you notify them of any accident, and when they find out that you are making a claim against another insurer and haven't notified them, they won't be happy. Keep in mind that insurer exchange data, you can't hide the accident from your insurer.