got rear ended last night

[nobblebonce]

last night at a crossing someone went into the back off me
the damage didnt look that bad last night, but on closer inspection today it seems to be a bit of a mess

the tailgate is dented and it wont shut, the exhaust is hanging on by a thread and also the fuel tank took one mighty wallop its all dented in - also the rear bumper and completly been pushed up to the spare wheel my arches als oseemed to have moved and cracked.

whats the possibilty that it will be a write off

its a 2002 dynamique

 

[Alan]

Gutted for ya matey.

If the chasis is kinked it'll be written off mate...

 

[TheCake]

Without seeing pics its hard to say. I presume you got the other drivers details.

 

[Dan Page]

hope you took down his details mate?

as said though, on a 02 i should imagine it will be written off if the chassis is damaged!

 

[Big Iain]

il put money on it thats a write off

 

[theduck]

gutted for ya mate.

 

[nobblebonce]

cheers peep

yeah got all his details - bloody merc driver
was looking at possibe trade in today aswel

will this affect my nc even tho its not my fault

 

[Cam]

Take him to the cleaners.

 

[TheCake]

will this affect my nc even tho its not my fault

No. (hopefully). He should admit it was his fault.

Have you contacted your insurance company?

 

[nobblebonce]

yeah contacted the insurance - im with greenlight
been really helpful.

what will happen will my mods will i be able to have them back or will the insurance company keep them

 

[jonesyx]

probably not, most insurers will replace standard parts only. were the mods declared?

 

[nobblebonce]

yep all mods declared

 

[Mells]

yep all mods declared

good lad

 

[Ad]

sound like a total loss bud

Wont effect your no claims. As its his fault.

 

[bmh.01]

Though on the no claims front even though you won't loose you no claims it does seem to push your premuim up even though it wasn't your fault.
My mates mum got rear ended by a taxi driver and when he came to renew (she was a named driver on his policy) it bumped his premuim up about £300.

May not be the same for you, could've just been admiral being funny.

 

[nobblebonce]

how lond does it normally take to sort out

 

[TheCake]

A few weeks. You will need to badger your insurance company. Get on with it!

 

[nobblebonce]

ive already rang them 3 times today to try and sort out a coursety car

its being dealt with by angel apprantly

 

[TheCake]

Yeah Angel One Call or something. They're crap. I hated every minute of my claim with greenlight/highway/angel one s**t. Absolutely useless. Need about 20 numbers, 36 reference numbers and 17 different claim handlers.

 

[Englebert]

As BMH said, your premium will go up i'm afraid.

Good luck getting it sorted.

 

[nobblebonce]

cheers darth

so do i just keep hounding them every couple of hours
how long did it take for your claim to get sorted mate

 

[TheCake]

Yeah keep hounding them. Do you need your courtesy car for work?? It really depends on your circumstances but you need to hound them. Remember you pay hundreds of pounds a year for this so make sure its what you want. If you need a courtesy car now - then kick up a stink. The more you shout the quicker you'll be dealt with.

Mine probably took a month or more. I had all my mods declared with green light but ultimately only got paid out for a basic car. f**king stinks eh.

The reason being the insurance company look at the original parts and find out how much they cost. I.e. I had coilovers, but they go to Renault and find out how much a new set of suspension from them is. Probably £800 rrp, so they look at how much my coilovers cost £700 that ultimately means I owe them £100... same goes for my interior, bucket seats, carbon bonnet etc...

Its the last time I ever ever ever have a modified car. Absolute bullshit.

 

[Ad]

^ so whats the stryker...???? very standard.. lol.

 

[TheCake]

^ so whats the stryker...???? very standard.. lol.

Technically its exempt special kit car policy where you don't need to declare modifications.

 

[nobblebonce]

Yeah keep hounding them. Do you need your courtesy car for work?? It really depends on your circumstances but you need to hound them. Remember you pay hundreds of pounds a year for this so make sure its what you want. If you need a courtesy car now - then kick up a stink. The more you shout the quicker you'll be dealt with.

Mine probably took a month or more. I had all my mods declared with green light but ultimately only got paid out for a basic car. f**king stinks eh.

The reason being the insurance company look at the original parts and find out how much they cost. I.e. I had coilovers, but they go to Renault and find out how much a new set of suspension from them is. Probably £800 rrp, so they look at how much my coilovers cost £700 that ultimately means I owe them £100... same goes for my interior, bucket seats, carbon bonnet etc...

Its the last time I ever ever ever have a modified car. Absolute bullsh*t.

fooking hell - i only have springs on mine and i do have the original springs so can i just give them those
yeah i need a car for work so ill be ringing again sortly - what a pain in the arse this is

 

[Josh]

Take him to the cleaners.

yep! hows your back and neck feeling!? bit of whiplash!!??

 

[nobblebonce]

my neck is hurting a bit when i look up, also the mrs's bk is hurting so gonna get checked out today.

 

[nobblebonce]

the insurance have finally pulled the fingers out their arses and are delivering a car today for me, this is only after 4 phones calls every 2 hours

 

[TheCake]

s**t isn't it. There should be some kind of investigation into how crap insurance companies are.

Oh knobble - I forgot to say, make a note of every phone call, time/date and whom you spoke to and what was said in case you need to complain.

 

[Tarmac Terrorist]

Good luck with it all buddy. Hope you get it sorted soon, like everyone else said make sure you constantly checking that they are on the case and sorting it.

 

[nobblebonce]

cheers mr cake ive got one ladys number who is sorting the car today
ill be ringing friday to check progress - hope they dont write it off as i cant be bothered to look for another car

 

[norfolkminis]

Oh the joys of Highway/Greenlight/HIC. Totally useless.
Took over 3 months for them to sort my claim out.

good luck with your claim.

 

[-KarL-]

go to the doctors and get checked out and get whiplash claim put in i got 1k from mine

 

[nobblebonce]

The insurance rang me yesterday they are repairing the car which is good news

 

[Sami]

Defo get to the doctors ASAP, the longer you leave it the less chance you would have of making any claim for compensation.

 

[DynamiqueDebz]

Sorry to hear you got hit, glad they are going to repair it though. Like said by others, get to the doctors QUICK and get that claim in. My Hubbys brother did the same, got over 1500 for his claim, and don't forget your Mrs bad back, that could mean another 2-3k as backs as more fragile and play up often after injuries. Even if it isn't THAT bad, play on it like hell! Good luck!

 

[Richy123]

Best thing to do is not to get your insurers involved and handle it yourself if there is no fault on your part, as involving them will lead to an increased premium. Someone has probably already said this.

Its funny how rear ending someone is not perceived as dangerous driving. My mate is being done for dangerous driving for excessive speed, there was no accident he just pulled away from a wanker in a black saab (a cop) that tormented him however if he rear ended the wanker it would have just been an insurance job.

 

[Kneel]

yep! hows your back and neck feeling!? bit of whiplash!!??

Some one did this to me when I rear-ended them and i hate people who 'fake' whiplash for the sake of an extra £1k, every time I have to say that there was an injury claimed against me my insurance quote goes up super high! I hope you gte your car sorted out mate, and that you recover everything.