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#1 michael74

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Posted 23 August 2014 - 11:03 AM

Hi all, first post and all that, been lurking for a while now.

 

Anyway a bit of advice please if anyone has been in this position before, I got T Boned at a Junction last week (the offending driver has admitted full liability fortunately), and my drivers door has been totalled but my concern is the door frames (pic attached), its a 2004 Mk 2 Focus, which I like, just this last 3 months had to replace the CAT, a full service including timing belt and a tow bar, spent some money on it, don't want it to go :-(  One good thing though it was low speed and the side airbags didn't deploy

 

I have a sneaky suspicion its going to be a write off, has anyone had a similar experience?  The garage is taking it away on Tuesday.

 

IMAG0180.jpg

 

IMAG0179.jpg



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#2 SandyCat

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Posted 23 August 2014 - 11:36 AM

If you claim off your own insurance and they write it off you can ask to keep the car and be paid out less the salvage.   Your excess etc is then claimed back off the other driver and you keep the car to repair.

 

If you don't claim off your own insurance and direct your claim only against the other driver their insurance will either repair it or write it off but either way you get to keep the car-they won't take it off you.

 

Obviously if the car is too dangerous to repair rather than just being economical then you can't keep the car to put back on the road.



#3 michael74

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Posted 23 August 2014 - 03:15 PM

Hi SandyCat, thanks for the reply.  My question is really has anyone else on here had experience of this type of damage and the likelihood of a repair (obviously ensuring the car stays structurally safe) to a 10 year old car worth no more than £3000.

 

Thanks



#4 SandyCat

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Posted 23 August 2014 - 05:38 PM

I know what you mean and as it's part of the chassis and needs straightening it's about cost and maintaining structural rigidity.  The door is pretty straightforward but I think that the labour costs in putting the frame back right could render it uneconomical.      Someone here may have similar experience but it all depends if they also had the same car, same age and mileage as yours.......

 

I think you just have to wait and see what the repairer says.



#5 michael74

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Posted 23 August 2014 - 06:00 PM

Indeed you are correct SandyCat,  Just done a quick scan on Autotrader, the prices make for depressing reading.....  I was less nervous when my kids were born lol



#6 Marks12

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Posted 11 September 2014 - 02:03 AM

don't know if this helps but I used to drive a 95 toyota starlet until some nut decided that the red light actually meant go and crashed into the front of my car which was worth 800euro, My insurance company gave me two options, 

 

option A, I keep the car and receive half the salvage.

 

option B, allow them to take the car and receive the full money back.

 

I chose B, as the damage done would have cost me 1300euro to fix it was an easy decision for me.

 

I think you need to ask yourself these question, Do I really want to repair this car and drive a car that was crashed?  Can I afford the cost of the repair? (cause if you keep it obviously you wont get as much as the car is worth back) there the questions I put too myself, I know its different to your situation being a door of a ford and mine being the front of a starlet. It is up to you best of luck man



#7 jeebowhite

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Posted 11 September 2014 - 08:34 AM

Sadly I think you are at the point of having it written off, the door panel would be fine, but your going to be looking at a weaker chassis after repair. I think this will come down to a CAT-C write off. In all honesty, you could stick a new door panel on it and sell it on, it doesnt look too bad, but the chassis is weakened and you would need to be honest. Altnernatively I would hand it over to the insurers, but only if you dont have the space or time to strip the car for spares!



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