chrishak

They've written my 986 off

46 posts in this topic

Last Sunday my 986 was 'T' boned at a quiet junction 200 yds from home. I was turning right from a quiet road into a quieter one and the elderly gent who wanted to turn right out of the second road didn't see me. As I started to turn, he started to pull out, raming tge rear qtr of my car and STILL not realising I was now atrached to the front of his Passat, kept turning! As his car climbed up the back of my car (and I was looking at the underside thinking 'this is going to hurt if it drops on my roof') he realised something was amiss. Fortunately his car dropped down alongside mine and though a bit shaken, neither of us were hurt.

To cut a long story short, the damage to my car is a heavy scrape along the door, a quite severely dented rear qtr. panel, a damaged wheel and scuffed bumper. It seems to drive fine and there are no fluids leaking. However, as it's a '99 car, albeit an 'S', I wasn't surprised (but I was disappointed) when they decided it is a CAT C write-off.

The car has a full service history (with my local OPC since I've owned it), had a service and MOT last week, I fitted two new radiators and condensers last month (so the air-con works perfectly). It had a new (glass window) roof and 4 new Conti Sports fitted last year. It has done 101k miles but drives well and the engine is great. The Ocean Blue bodywork prior to the accident was good, with just a few stone-chips letting it down.

Yesterday I was offered a total loss value of £4200 which I thought was a derisory offer and turned down. Was I right to do so or am I over-valuing the car at £5000+? Any comments?

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I'd say that's a bit undervalued really.

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Sorry to hear about it - hope it works out well in the end. Glad no-one was hurt.

The advised technique is to find a bunch of ads of similar cars for sale, preferably close to you, at favourable prices, then give that to the insurance company as evidence.

Doesn't sound way off the value of a 2.5 to me but I don't follow closely.

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That does seem very low, go on autotrader and copy all the ads for cars of that age and mileage. Work out the average asking price and send to your insurance company along with copies of the ads. They normally respond well to evidence as they realise you know what you are talking about rather than just moaning. Good luck, and sorry to hear about your car🙁

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Thanks for the comments and advice - I'm in the back end of beyond on the Devon coast at the moment so trawling the internet for ads. is painful at best. I'll be on the case when I get home tomorrow and maybe I'll surprise myself and find I can get a minter with FSH for £4200, but I doubt it...

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1 minute ago, chrishak said:

maybe I'll surprise myself and find I can get a minter with FSH for £4200, but I doubt it...

...that's the point entirely.... :)

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Would you consider a payout and keeping the salvage? you know the car, get a payment from the insurer keep the car and have it repaired.

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36 minutes ago, Southy said:

Would you consider a payout and keeping the salvage? you know the car, get a payment from the insurer keep the car and have it repaired.

That's a definite consideration, but I haven't got a salvage cost yet - or a quote for repair. I left the car at home when I came away on Sunday so I'll start getting quotes on Monday

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Don't take the first offer they make. It's very unlikely the loss adjuster has seen the car in person and the first offer  made is based on the lowest evalulation or in their parlance bottom book. As the accident isn't your fault then the amount paid out will be recovered from the other party and you ought to be paid full retail value of a similar car.

Insist that the engineer sees your car so they can properly assess the condition. List all the maintenance, options and recent expenditure to prove the condition and that your car was cared for. As the others have said provide retail priced examples of similar cars to yours to back up your case.

If there are no injuries and no hire cars to provide then there's no money in it for the insurers various partner companies, they will want the case settled quickly so if you provide the paperwork to back up your case you'll probbly find it all done in a month.

 

 

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did the police do the old front bottom for driving without due care and attention, and mind and claim for whiplash too mate, get a claim in from a specialist after all you didn't ask the old front bottom to write your car off

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Police didn't attend and whiplash wouldn't hold up in court as it all happened at no more than 5 mph. It was the 'ploughing on' while I just sat there being pushed round that caused the damage. He was in shock though, one minute he was on his way to walk a friend's dog, next minute he was six feet in the air staring down on a Porsche

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30 minutes ago, kev911 said:

did the police do the old front bottom for driving without due care and attention, and mind and claim for whiplash too mate, get a claim in from a specialist after all you didn't ask the old front bottom to write your car off

He said there were no injuries ;)

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police didn't attend after that lot ffs

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Sorry to hear this & hope it gets sorted appropriately. If its any consolation, I had my 986 written off in a non fault accident a few years ago & ended up in my 987 which was a blessing in disguise.

However, yet another example of where drivers of a certain age should be made to take a test to confirm they are still capable of driving to a certain standard. Boils my p*ss that some old people are still on the road when it is quite clear they are incapable of driving.

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I tried to buy my last Boxster back from my insurers when it got written off a few years ago but they wouldn't do it. Turns out they had a deal going with a breaker up north.

Wasn't happy because the payout  was s**t & I could have got twice as much money back selling the parts.

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1 hour ago, roadrunner68 said:

I tried to buy my last Boxster back from my insurers when it got written off a few years ago but they wouldn't do it. Turns out they had a deal going with a breaker up north.

Wasn't happy because the payout  was s**t & I could have got twice as much money back selling the parts.

Really?  I thought they would be obliged to give you first refusal...  It's your car after all!   They surely can't force you to hand over ownership. 

 

Edited by mike597

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I would want £5k and the car in your position. 

Sorry to hear about the incident though. I would be so stressed and irritated. I thought they would be obliged to offer you the car back if you asked for it. As you know it's mechanically sound, the Cat-C is merely cosmetic and some can see past that if the repair is spot on.

Just consider the few grand you'll have left over after the repair, which you can add back to what you sell it for in years to come. You'll have lost no/little money that way (as you'll get less for it as a cat-car).

Edited by Jason986S

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On 12/05/2017 at 9:29 AM, chrishak said:

Yesterday I was offered a total loss value of £4200 which I thought was a derisory offer and turned down. Was I right to do so or am I over-valuing the car at £5000+? Any comments?

Sorry to hear about this Chris.

I don't think £5000 is unreasonable at all considering the condition and maintenance of the car.

Now you just have to convince your insurance company.

Good luck with it all :)

 

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insurance companies always start on the low side hoping you accept there offer , just decline their offer and get a independent pre accident valuation by a qualified engineer 

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Yes, £4200 is an insult but the insurance company are not expecting you to say "too much" when they offer you £7k.  I'd start off at £6k for yours and let them haggle you down.  As for the salvage, if you have space then have it back off them.  They don't have to give all to any preferred agent they have working for them, and until you settle the car is still yours. :) 

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I've now received a letter from the third party's insurer offering to repair the car if economically viable, which I understand is common practise these days. The way my insurer is encouraging me to spend the other insurers money to line the pockets of their partner companies is criminal - and if that money was put towards repairing my car, we might not be discussing write-off's and salvage value.

 

It's a minefield...

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Good luck, the same/similar  happened to me as well but like Boxstercol I was due an upgrade anyway and got a 987, bad way to lose a loved Boxster but it forced my hand into upgrading sooner than I planed. all the advice above is sound and what I did it worked for me.

Guvs.

P.S.

Glad there were no major injuries I was lucky in my accident as well.

 

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sorry for your troubles. Hope you get what you need out of the negotiations. Remember, Its just business to them. 

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1 hour ago, Guvs said:

Good luck, the same/similar  happened to me as well but like Boxstercol I was due an upgrade anyway and got a 987, bad way to lose a loved Boxster but it forced my hand into upgrading sooner than I planed. all the advice above is sound and what I did it worked for me.

Guvs.

P.S.

Glad there were no major injuries I was lucky in my accident as well.

 

Having been shoved through 90 degrees by a couple of tons of Passat which also climbed up the rear quarter panel of my car, I can certainly vouch for the strength of Boxsters!

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I'm so sorry to hear this mate, having just gone through a similar thing. I know exactly how you're feeling and words probably can't describe it. Remember that as the injured party if you or they can't find an almost identical car you can insist that yours is repaired to the standard it was before the accident as long as it's safe to do so.

Also be careful if they've put you in some posh hire car that they say will be claimed off the third party, it can be a minefield.

Good luck and  hope it turns out good for you.

Edited by Buzzfox

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