Yet another accident

[BTB 500]

You could catch a lot of buses for that much ; in my case it would be infinite as I have my old farts bus pass , which I use maybe half a dozen times a year .

You have buses? The closest bus stop to our village is 7 miles away. Nearest train station is 15 miles.

 

[ToeKnee]

Anyone wondering why insurance premiums generally go up each year should read this thread for the reason!

 

[ALFAitalia]

Exactly......as my teacher said... its not big and not clever!...... at the end of the day we will all pay for him using that company and them massively over charging on everything. That car should have just been written off.... end of.
.....I'm staggered that insurance companies have anything to do with them.

 

[st13phil]

I'm staggered that insurance companies have anything to do with them.

Form a "person who knows" in an earlier post (my bold):

They provide a service which most insurers accept has a place and is necessary due to their own lack of investment in claims handling (and off shoring it has to be said)

 

[markjay]

I think that the odd part here is that the OP actually wanted the car repaired rather than written off.

9 out of 10, when there's a £15k accident repair damage, owners will actually not want to have the car repaired.

The 1 in 10 who would not want to see the car written off are typically owners of rare, unique, or modified models, or older cars that are in much better condition than average for the age, and who will not be able to replace the written off car with a similar vehicle if paid 'market value'.

But in this case, for whatever reason, the OP actually insisted on having a significant repair done to a 2020 A-Class AMG-Line Executive, which is not something that most people will choose to do, given that similar cars are plentiful.

The point is that this unique set of circumstances led to a payout of £23 car for a car valued at £17k retail (and probably £14k-£15k book value). I doubt very much that it's a common occurrence.

 

[Londonscottish]

I think that the odd part here is that the OP actually wanted the car repaired rather than written off.

9 out of 10, when there's a £15k accident repair damage, owners will actually not want to have the car repaired.

The 1 in 10 who would not want to see the car written off are typically owners of rare, unique, or modified models, or older cars that are in much better condition than average for the age, and who will not be able to replace the written off car with a similar vehicle if paid 'market value'.

But in this case, for whatever reason, the OP actually insisted on having a significant repair done to a 2020 A-Class AMG-Line Executive, which is not something that most people will choose to do, given that similar cars are plentiful.

The point is that this unique set of circumstances led to a payout of £23 car for a car valued at £17k retail (and probably £14k-£15k book value). I doubt very much that it's a common occurrence.

I just skipped to the end of the thread.

£23,000 ?!?!

 

[Bobby Dazzler]

I won’t criticise others but I won’t personally use accident management firms and I’ll do whatever I can to mitigate the losses of others - we’re obliged to do that for our own insurer but I doubt many actually do it.

I had a car stolen around ten years ago and a hire car was automatically delivered by my insurer even though I didn't want one. It surprised the hire car company when I took it straight back, they said that never happens.

 

[Diana1990]

The situation is what it is. I can't be sole blamed for higher premiums. Yes I rather the car repaired then written off due to sentimental reasons which involve my mum who I lost in 2023. So the car isn't just standard A class..... Its of great sentimental value that simply cannot be replicated by buying another A Class. Criticise me all you want, but it stands to reason that if people paid attention to roads, then less accidents would happen leading to lower premiums. While I understand mistakes happen, believe me I made plenty... The man who hit me fully admitted to not even looking at my car and his focus was elsewhere to the right, with his young child in front seat may I add. So right there this man wasn't not paying attention at all. You shoukd always pay attention to car ahead at roundabout. Common sense.

 

[DSM10000]

You have buses? The closest bus stop to our village is 7 miles away. Nearest train station is 15 miles.

Not dissimilar here.

 

[DSM10000]

I think that the odd part here is that the OP actually wanted the car repaired rather than written off.

9 out of 10, when there's a £15k accident repair damage, owners will actually not want to have the car repaired.

The 1 in 10 who would not want to see the car written off are typically owners of rare, unique, or modified models, or older cars that are in much better condition than average for the age, and who will not be able to replace the written off car with a similar vehicle if paid 'market value'.

But in this case, for whatever reason, the OP actually insisted on having a significant repair done to a 2020 A-Class AMG-Line Executive, which is not something that most people will choose to do, given that similar cars are plentiful.

The point is that this unique set of circumstances led to a payout of £23 car for a car valued at £17k retail (and probably £14k-£15k book value). I doubt very much that it's a common occurrence.

But, can someone insist on a repair above market value?

Surely the legal position is that the innocent party should be put back to the position they were at pre accident?

 

[DSM10000]

I just skipped to the end of the thread.

£23,000 ?!?!

Something doesn't add up!

 

[E55BOF]

The situation is what it is. I can't be sole blamed for higher premiums. Yes I rather the car repaired then written off due to sentimental reasons which involve my mum who I lost in 2023. So the car isn't just standard A class..... Its of great sentimental value that simply cannot be replicated by buying another A Class. Criticise me all you want, but it stands to reason that if people paid attention to roads, then less accidents would happen leading to lower premiums. While I understand mistakes happen, believe me I made plenty... The man who hit me fully admitted to not even looking at my car and his focus was elsewhere to the right, with his young child in front seat may I add. So right there this man wasn't not paying attention at all. You shoukd always pay attention to car ahead at roundabout. Common sense.

The car was worth £17K, and the insurers paid £6K more than it was worth? That puts everybody's premiums up; if it happened a lot, it would put everybody's premiums up a lot. If you were burgled, and a ring of great sentimental value but not much intrinsic worth was stolen, would you expect your insurers to pay out an extra 40% because of that sentimental value?

The situation is indeed what it is.

 

[HappytalkAgain]

Let’s put things into perspective. The OP’er hasn’t done anything wrong. Her car was hit. It was not her fault. The insurance paid out for the repair. Their fault/problem, not hers.

Love the MBClub moral high ground.

 

[Diana1990]

I don't fully understand myself. But the car was repaired at Mercedes dealership in Bedford. So their rates are higher, they use real Mercedes parts.... So a repair of this magnitude at usual accident repair garage would be what.. £10k maybe... 11...

I saw the actual invoice because as before when the car was hit, I wanna know what the repair damage was and cost involved. So I saw it with own eyes, just short of £15k...to be exact it was £14,800. Now that I can be 100% sure of. The hire charges for the Audi I had, no for record.... I don't care what hire car I got. I simple Nissan Micra or Honda Jazz would have suffice, I didn't give two hoots what I got, as long as I had a car of which I needed. I didn't choose to have a upmarket Audi A3. But I took what I was given, so when I called them to say I'm dropping the car off to Mercedes where I'm collecting my car I asked the price and the lady said we can't give out too much details but it was just short of £200 per day. My guess was it was £180/190. I even said myself, those costs are ridiculous but I don't set the prices and for record I DO NOT AGREE WITH THE STUPID RATES Auxillis charge. But, we all have choice, I used Styner aftercare which in turn uses Auxillis as I used them last year and was extremely happy with how it was handled. I also knew the chances of the repair going through were much higher then going direct with 3rd party. There was simply no way I would allow it getting written off without a fight as the car has very high sentimental value.

As above poster said, I was the one hit. I did nothing, NOTHING wrong. Condemning me for using a accident management company won't stop me using them again should the need arise. I also found out the 3rd party were aware of the costs involved. I was under impression they see bill at end after Auxillis pays and then sends invoice on for them to recoup the money. But no, 3rd party were aware and at no stage did they seem to disagree with being willing to pay. I don't create the rules.

 

[HappytalkAgain]

I don't fully understand myself. But the car was repaired at Mercedes dealership in Bedford. So their rates are higher, they use real Mercedes parts.... So a repair of this magnitude at usual accident repair garage would be what.. £10k maybe... 11...

I saw the actual invoice because as before when the car was hit, I wanna know what the repair damage was and cost involved. So I saw it with own eyes, just short of £15k...to be exact it was £14,800. Now that I can be 100% sure of. The hire charges for the Audi I had, no for record.... I don't care what hire car I got. I simple Nissan Micra or Honda Jazz would have suffice, I didn't give two hoots what I got, as long as I had a car of which I needed. I didn't choose to have a upmarket Audi A3. But I took what I was given, so when I called them to say I'm dropping the car off to Mercedes where I'm collecting my car I asked the price and the lady said we can't give out too much details but it was just short of £200 per day. My guess was it was £180/190. I even said myself, those costs are ridiculous but I don't set the prices and for record I DO NOT AGREE WITH THE STUPID RATES Auxillis charge. But, we all have choice, I used Styner aftercare which in turn uses Auxillis as I used them last year and was extremely happy with how it was handled. I also knew the chances of the repair going through were much higher then going direct with 3rd party. There was simply no way I would allow it getting written off without a fight as the car has very high sentimental value.

As above poster said, I was the one hit. I did nothing, NOTHING wrong. Condemning me for using an accident management company won't stop me using them again should the need arise. I also found out the 3rd party were aware of the costs involved. I was under impression they see bill at end after Auxillis pays and then sends invoice on for them to recoup the money. But no, 3rd party were aware and at no stage did they seem to disagree with being willing to pay. I don't create the rules.

I assume you received an Audi A3 because you have ‘like for like’ curtesy car cover?

 

[DSM10000]

Let’s put things into perspective. The OP’er hasn’t done anything wrong. Her car was hit. It was not her fault. The insurance paid out for the repair. Their fault/problem, not hers.

Love the MBClub moral high ground.

Not at all.

The OP was put back into the position they were at before the incident but at an unrealistic cost to the 3rd party insurance.

 

[HappytalkAgain]

Not at all.

The OP was put back into the position they were at before the incident but at an unrealistic cost to the 3rd party insurance.

Indeed. But that’s the whole point of being insured. ‘To be put back in the position they were before the incident’. That’s why we pay for insurance. So, her policy has fulfilled its purpose. The sums are in their control.

To blame the OP’er for high insurance premiums is bizarre. She’s as much to blame as anyone else who’s ever made a claim.

 

[Diana1990]

I assume you received an Audi A3 because you have ‘like for like’ curtesy car cover?

On my insurance... I don't have like for like courtesy car. I would get simple, basic hatchback car. But I didn't use my insurance... I used accident management company, Auxillis. We all know they make most of their money from only using 'higher end hire cars' and charging stupid amounts.

 

[DSM10000]

Indeed. But that’s the whole point of being insured. ‘To be put back in the position they were before the incident’. That’s why we pay for insurance. So, her policy has fulfilled its purpose. The sums are in their control.

The OP chose to use an accident management company to make their life easier knowing it would add to the overall cost that we all bear.

 

[HappytalkAgain]

The OP chose to use an accident management company to make their life easier knowing it would add to the overall cost that we all bear.

She’s already given her reasons for wanting to retain the car.