Might have to claim i think

[craig20102010]

i think nearly everyone who has been reading my posts is aware now of wot happened for those who dont:

I smashed car into a curb at about 35 sideways on, This caused the Passenger seat airbag to come out and cost me £500 from a garage to get it Driveable again (not to mention my Alloy totalled which is also discontinued so i ave three alloys i cant use) to get the air bag fixed i need, computer resetting/replacing, new air bag, new pretentioner,

i went to renault to ask if they could resett he computer they cant reset it as they want to do the full job as i told them that the air bag is deployed since theres no other reason for them to do the job on the airbag anyway. they want to replace both pretentioners my seat with new Air bag in it, reset computer and maybe replace Door cards (for what ever Reason i dont know) they askin £2k for it lol! looks like an insurence job to me unless this bloke who i got to know today can Ringme up at 1:45 and let me know if he can get hold of someone (from renualt ) to reset computer if he can i just need to get a new seat pretentioner and air bag my self,

What i was woundering:

If i have to claim 2k from insurnce how much will it go up next year?

 

[Gregga]

i think it will depend on your voluntary excess? do u have protected no claims?

 

[craig20102010]

lol i wish wot,

sorr mate nar i dont ave protected no claims ive been insured 7 month or sommet.

 

[sh33n]

It doesnt matter how much you claim, a claim is a claim!

It really depends on certian circumstances, but expect a hike!

 

[Turkish]

The issue will be with liability, in todays sue everyone culture if there was an accident and someone was killed or injured as a result of the airbag/pretentioners not firing then it was uncovered that the car was previously repaired and these items werent replaced the garage would be up sh*t street. Hence why they are quoting for these items seemingly needlessly.

 

[craig20102010]

yeh i soposse but its not really a legal requiement for the air bags to be there in the first place. ( or so i herd anyway )

but that is liturally all that needs fixing is the air bag in one seat. so 2k for one Seat to be fixed seems a little steep. I might just save my moeny and pay for it my self wont take me to long really bout 4 month or so.

Save my No claims for this year cuz i can guarntee i wont be going out in the icey weather again and if i do ill be Extremely careful lol its costing me a bomb lol


[Edited by craig20102010 on 12 January 2005 at 2:06pm]

 

[Turkish]

i know its not a legal requirement for airbags, the arguement would be along the lines of professional negligence with the result of death or injury.

 

[badinvincible]

If you can afford to get it fixed out of your own pocket without using NCD go for it. If not, expect a big increase in your premium next year. Only insured for 7 months? How old are you?

 

[craig20102010]

lol this is where u will all laugh im 18.

im not sure if paying for it outa my own pocket would be the best idea wot do you lot recon?
would i be saving money in the long run or not?
[Edited by craig20102010 on 12 January 2005 at 2:19pm]

 

[badinvincible]

2k for repairs? You would possibly be looking at 3k(at least) plus for fully comp insurance next year after you have a claimed.

 

[craig20102010]

ok then so i would deffo be benefitting from payin for it my self then,

Weird part is its just the computer thats stoppin me from getting it fixed i can get everything else repaird if i can get the Computer reset and renault are only ppl i know of that can do that in the northeast.

cuz i can drive the car perfectly now. theres nout wrongh with it apart from the bloody seat air bag lol

 

[badinvincible]

Whereabouts are you?

 

[benhwolves]

why dont you plug in your details to direct line online or someone as though youre applying for your insurance but do it with the claim, at least that will give you an idea of your renewal should you claim. personally id claim - suppose you get it all fixed and shell out the 2k then the same thing happens again - worst case scenario i know. youve just got to weigh it up

 

[craig20102010]

yeh i just done that with my insurence company like put a claim in as well and wud of been driving for 1 year and they came out with £1419 or sommet like that which is bit less then wot ive been paying now :S but it was for putting a claim in as well that for damages and stuff i aint sure if thats right:S

 

[Guilbert]

strip out the front seats all together and put in bucket seats. then just take the bulb out of the dash bored which is for the airbag light.

problem solved for under £200.

 

[badinvincible]

Yeah, good point^^^

 

[benhwolves]

Id have thought if you claim youd be able to claim back the £500 you shelled out to get it driveable again?? not sure if thats the case but dont see why not

 

[sh33n]

As long as your insurance allows you to take out airbags.

If you have no airbag where there should be one as standard on that model then you are driving without insurance anyway!

Call your insurance company and say youre thinking of putting it bucket seats and see what they say.

 

[craig20102010]

i think i might just claim since it says that its only gona cost me £1400 so same as what i paid last year for my first insurence if its only gona be that for the damage to be fixed i might as well get it done save all the money i aave ready for insurence again

 

[badinvincible]

Phone around loads of garages first to see if anyone can fix it properly for a reasonable price first...

 

[craig20102010]

people can fix it they just cant sort the air bag computer out because no one knows anything about it

 

[DAVE_RSi]

mate might not sound alot but 1 yrs no claims will make loads of different to ur insurance

explore all options carefully to avoid being stung

guilberts idea was a gd 1 i think, tlk 2 ur insurance about it maybe?

 

[badinvincible]

Hes 18, insurance might not allow mods...

 

[craig20102010]

i aint stickin buckets in a 1.2 8 valve clio and tapin the bulb out beucase iknow the problem is still there and i know the cars not doin wot its sopossed to.

i do want it sorting for as cheap as possible but for some reason the insurence Seems to be the cheapest Way So far as in if i pay 2k now for it to be fixed outa my pocket then i still got insurence to pay for but if i claim off insurence then ive got ther insurnce to pay for which soposedly will be £1500 about and ive then got the insurence paid for if u understand wot i mean

 

[sh33n]

Quote: Originally posted by craig20102010 on 12 January 2005

as in if i pay 2k now for it to be fixed outa my pocket then i still got insurence to pay for but if i claim off insurence then ive got ther insurnce to pay for which soposedly will be £1500 about and ive then got the insurence paid for if u understand wot i mean


But if your quote this year was £1500 its going to be more than that the next.

Either way I hope it gets sorted and doesnt end up costing you loads!

 

[benhwolves]

At the end of the day thats what your insurance is there for - as for being stung ive claimed twice and yes my premium went up but i didnt really have any other option due to the cost, and 2k is lot to pay out.

You should be guaranteed a good job as well and the car should be pretty much back to the way it was and the way you want it.

 

[XTR2000]

Just replace the airbag module too

 

[Chris n nic]

Where are you from craig?

Chris

 

[sh33n]

Quote: Originally posted by hoe261 on 12 January 2005
At the end of the day thats what your insurance is there for ... and 2k is lot to pay out. You should be guaranteed a good job as well and the car should be pretty much back to the way it was and the way you want it.


True.

 

[DAVE_RSi]

if ur almost certain of going through insurance, ring them , ask them for a quote for next year and what itll be if u claim and if u dont!

then ull know for certain how much ull be paying or near abouts

looks like its an insurance job though if u want it all sorted properly

 

[craig20102010]

Quote: Originally posted by Chris nnic on 12 January 2005


Where are you from craig?

Chris

Im from the Northeast So up near Middlesbrough

 

[Chris n nic]

Hmmm...send a pm to j3ned. He might be able to sort something for him...tell him what has happened and see what he says. Its a long shot but you never know...

Chris

 

[craig20102010]

i sent him one he was gonna sort me out with new air bag new computer and new pretentioner but he aint replied for ages now to my PMs so i dunno