Patrico777 Posted July 28, 2016 Share Posted July 28, 2016 Hi just have been hit from back by one idiot I was giving way to double dec bus and he hit me in rear around 40-50mph I have only third prtt and theft insurance would I be covered for repairs it was hos fault here is picture of my car ! Quote Link to comment Share on other sites More sharing options...
alexp999 Posted July 28, 2016 Share Posted July 28, 2016 Ouch. :( I'm surprised there is not more damage if you think they were going that fast.....? Crash bar behind bumper must be damaged for that speed, can you open boot? I'd check for creases in boot floor under carpet. If they admit liability then their insurance should pay for repairs. If not then you're not covered for damage to your own car with 3rd party. 1 Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 13 minutes ago, alexp999 said: Ouch. :( I'm surprised there is not more damage if you think they were going that fast.....? Crash bar behind bumper must be damaged for that speed, can you open boot? I'd check for creases in boot floor under carpet. If they admit liability then their insurance should pay for repairs. If not then you're not covered for damage to your own car with 3rd party. Yeah they must as it was his fault, yeah Im suprised will my car be cat now ? Yes it is pushed in under carpet check image ! Is it big problem Quote Link to comment Share on other sites More sharing options...
alexp999 Posted July 28, 2016 Share Posted July 28, 2016 Wouldn't surprise me if that is going to be a write off :( 2 Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 3 minutes ago, alexp999 said: Wouldn't surprise me if that is going to be a write off :( So they going to pay me the amount I said that its worth write off that would kill me 44k miles one owner full ford history ! Omg Quote Link to comment Share on other sites More sharing options...
alexp999 Posted July 28, 2016 Share Posted July 28, 2016 IF it gets written off they will pay you what they feel it is worth (market value). Sometimes there is room for negotiation, as you only have 3rd party I don't know if you can get any help from your own insurer. Worth asking though, if they haven't told you already. I assume you have reported it to your insurance? 1 Quote Link to comment Share on other sites More sharing options...
chris23039 Posted July 28, 2016 Share Posted July 28, 2016 Was there any witnesses? Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 6 minutes ago, alexp999 said: IF it gets written off they will pay you what they feel it is worth (market value). Sometimes there is room for negotiation, as you only have 3rd party I don't know if you can get any help from your own insurer. Worth asking though, if they haven't told you already. I assume you have reported it to your insurance? Yes Im waiting for them to call me back so will report they said I need to get checked then call back but they busy so they going to call me back Quote Link to comment Share on other sites More sharing options...
davyo Posted July 28, 2016 Share Posted July 28, 2016 Shouldnt really say this but 'where there is blame there's a claim lol' Replaced car and a holiday Seriously though apparently if you have a reported bash over £300 of damage,there are funds automatically set aside for compensation.You dont claim you lose,ask yourself if it was the other way round who would be claiming off you? Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 6 minutes ago, davyo said: Shouldnt really say this but 'where there is blame there's a claim lol' Replaced car and a holiday Seriously though apparently if you have a reported bash over £300 of damage,there are funds automatically set aside for compensation.You dont claim you lose,ask yourself if it was the other way round who would be claiming off you? I dont understand you? Quote Link to comment Share on other sites More sharing options...
alexp999 Posted July 28, 2016 Share Posted July 28, 2016 7 minutes ago, davyo said: Shouldnt really say this but 'where there is blame there's a claim lol' Replaced car and a holiday Seriously though apparently if you have a reported bash over £300 of damage,there are funds automatically set aside for compensation.You dont claim you lose,ask yourself if it was the other way round who would be claiming off you? This is why all our premiums keep going up. 4 Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 3 minutes ago, alexp999 said: This is why all our premiums keep going up. Yes such a stupid driver ! Saw him lin mirror speeding there was no where to go as bus was coming and cars prked on right hand side hopefully it will be sorted Quote Link to comment Share on other sites More sharing options...
chris23039 Posted July 28, 2016 Share Posted July 28, 2016 Usually if your rear ended the blame is with the other driver Sent from my iPhone using Tapatalk 1 Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 Just now, chris23039 said: Usually if your rear ended the blame is with the other driver Sent from my iPhone using Tapatalk Yeah that right I know so hopefully they will value the car good its on 44k miles one owner full ford history alloys new Continental tyres so hopefully if they write off I can get good money t least to buy new one Quote Link to comment Share on other sites More sharing options...
chrisroberson99 Posted July 28, 2016 Share Posted July 28, 2016 I doubt the insurance will value the car more highly because of its service history and low mileage, and definitely won't on things like tyres! Quote Link to comment Share on other sites More sharing options...
TomsFocus Posted July 28, 2016 Share Posted July 28, 2016 If they write it off you can buy it back cheap and sell the decent parts or transfer them to another Mk6 (if you want another!) Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 4 minutes ago, TomsFocus said: If they write it off you can buy it back cheap and sell the decent parts or transfer them to another Mk6 (if you want another!) Yeah Im looking on the st150 pr zetec s celebration lime green not sure which how much you think they value it ? What can I take off air filter kn maybe wind deflectors that is it lol 1 Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 8 minutes ago, TomsFocus said: If they write it off you can buy it back cheap and sell the decent parts or transfer them to another Mk6 (if you want another!) How much you think they can value it ??? Quote Link to comment Share on other sites More sharing options...
TomsFocus Posted July 28, 2016 Share Posted July 28, 2016 Lol, I meant keep the wheels/tyres etc really. I honestly don't know how they'll value it, don't forget to them its just the same as any other Mk6...another crap old Ford lol... The mileage should help with yours though, see what similar ones are up for on eBay and expect to get offered a bit less than that. I would expect about £1500 for my 116k mile Mk6 ST if that was written off. Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 2 minutes ago, TomsFocus said: Lol, I meant keep the wheels/tyres etc really. I honestly don't know how they'll value it, don't forget to them its just the same as any other Mk6...another crap old Ford lol... The mileage should help with yours though, see what similar ones are up for on ebay and expect to get offered a bit less than that. I would expect about £1500 for my 116k mile Mk6 ST if that was written off. Mine they go around 4,000 to 4,500 on autotrader with that miles its on 44k so hopefully should get around 3,5-4k Quote Link to comment Share on other sites More sharing options...
davyo Posted July 28, 2016 Share Posted July 28, 2016 1 hour ago, alexp999 said: This is why all our premiums keep going up. Yes i used to think that,but after spending time doing tax returns for a company that specializes in claims i learnt a few facts from them.The money is there weather you claim or not.You pay it in your premium without even knowing what its for,its call liability insurance.Nobody is paying additional for it,its in you cover.Example my shooting insurance policy has 10mil liability insurance,so if i accidently shoot / injure someone on the Grouse moore they are covered.Same as a car policy,you pay a premium mainly to cover others as well as yourself. Many claim with no injury yes, but its like any insurance for example home insurance.How may say oh this & that was stolen out of the shed when in actual fact only the lawn mower for taken.Or the wind that blew down the fence that was already dropping to bits. If the lads had a rear shunt then at the speed he states then he will feel it tomorrow so has an injury that the other parties insurer has duty to compensate. Quote Link to comment Share on other sites More sharing options...
Patrico777 Posted July 28, 2016 Author Share Posted July 28, 2016 8 minutes ago, davyo said: Yes i used to think that,but after spending time doing tax returns for a company that specializes in claims i learnt a few facts from them.The money is there weather you claim or not.You pay it in your premium without even knowing what its for,its call liability insurance.Nobody is paying additional for it,its in you cover.Example my shooting insurance policy has 10mil liability insurance,so if i accidently shoot / injure someone on the Grouse moore they are covered.Same as a car policy,you pay a premium mainly to cover others as well as yourself. That is good I am covered as I need car for work! Hopefully should be getting new one maybe st150 or zetec s ceebrations lime green will see dont want diese anymore Quote Link to comment Share on other sites More sharing options...
dave_k Posted July 28, 2016 Share Posted July 28, 2016 29 minutes ago, Patrico777 said: Yeah Im looking on the st150 pr zetec s celebration lime green not sure which how much you think they value it ? What can I take off air filter kn maybe wind deflectors that is it lol Don't get another ford if possible...rubbish cars! Quote Link to comment Share on other sites More sharing options...
alexp999 Posted July 28, 2016 Share Posted July 28, 2016 1 minute ago, dave_k said: Don't get another ford if possible...rubbish cars! Great place to come and say that...lol. 2 Quote Link to comment Share on other sites More sharing options...
dave_k Posted July 28, 2016 Share Posted July 28, 2016 I'm sure the regular posters on this forum will understand what I mean... ;-) Quote Link to comment Share on other sites More sharing options...
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