Help needed

[dub_weiser 0]

Take a couple of mins to read this and offer me any advice.

http://www.edition38.com/board/viewtopic.php?t=15011

Cheers Richard

[robvr6 0]

FFS..what is this world coming to ?

i would take the 5k, and try get it sorted out.

[Justicevr6 0]

If it were my car I would take the 5k and buy it back and try to do most of the work myself , as it dose look like most of the paint would come of with a good moping, I know the value would be less becouse it was a write off but unless you were going to sell it on that should'nt make a lot of difference to you. You could end up with a cleaming car with an extra 3k in your pocket.The only thing I would look into is what would happen if you had an accident be it your fault or anothers as to weather they would pay out.

Just my opinion

[dub_weiser 0]

How exactly to you mean accident is that once th car is repaired??

[shail 0]

Take the 5k, to be honest you'd be silly not to. Buy it back and as above get the car mopped. Not sure if it'll work, but I got rid of a hell of a lot of overspray (some shit keyed the side of my car - that really pissed me off, nevermind what you've had done) with a clay bar and a lot of elbow grease.

[Justicevr6 0]

dub_weiser

I am not sure how it works with insurance if the car is written off U buy it back do it up some dick hits you and writes it off again as to weather they would pay out as normal,just letting my thoughts write themselfs :! .

It might be as normal but myself if it were mine I would want to check it out first.

[dub_weiser 0]

Cool Justice, will look into that. Could always try getting car an agreed value on the car again. Will try to ensure it's not written.

How do you go about keeping a car from being recored?

[Justicevr6 0]

To be honest I do not know enough to give advice on how to avoid having it recorded.

The best way is to speak to the insurance company but if they paid in full they would automaticly record it,you may be able to work something out with them.

[pete8tch 0]

rich. if you decide the car is to be written off and buy it back as salvage it will be recorded in a category that reflects the severity, A is i think a is total body to D which is stuff like stolen recovered with lock damage etc. if you look in the autotrader you will see loads of places selling salvage which is exactly this , it just means if you fix it and then have an accident the agreed value would be less than a non recorded car know a lot of guys who do this for a living tbh. check that the figures are as you expected first then buy the salvage back and get it sorted for a lot less money. try taking it to a local paint shop and getting someone to mop it and see what happens , i know a few guys that could do it but your a good way away . pete

[dub_weiser 0]

Yep I'd have thought the agreed value would be far less, but its a car I intend to hang onto for a few years yet or may let the other half have when I get the R32 or bike.

Pitty your that up that end of hte country. Some people tried quoting me

[purple highline monster 0]

thats harsh mate, some real little fuck witts around, if your insurance is agreed at 5k and you can buy it back for a few hundred rip their hand off as its been said it will only be on the list as a low "econimical write off" as opposed to a re shell or anything like that, get the paint done and its an ace car again, where abouts are you? i have a mate who has a top body shop!!! in kent i am sure he would do you a good deal on a cash job!

[cookiesvw 0]

take the money, then buy the car back if you decide to split it ill buy the wheels,.. hope it all sorts out

[dub_weiser 0]

Been thinking all week what to do and am swaying to taking

[antera309 3]

Mindless vandalism is the most gut-wrenching thing that can happen to one's pride & joy IMO, worse than being pranged or even theft. I feel your pain, man.

I would take the payout, then buy the car back off the insurance company as salvage.

If you don't fancy the hassle of selling on a Cat D recorded car, it will almost certainly be financially worth your while to break it. A 28,000 mile VR engine/gearbox (with proof of mileage) will make

[gloster 0]

Absolutely gutted for you. ~ !sad

Shivers are still going up and down my spine just replying to you.

Work in the insurance industry [no boo's please[! ] i'm starting to think i'm one of the few insurance advisors that actually gives a damm.[!! !grr ??]

Ref what you should do next i'd hang fire and see how much the insurers actually offer you, its unlikely to be the 5k figure mentioned depending on your exact policy and the engineer dealing with your claim, take a look into the full ramifications of the car being an uneconomical writeoff [cat c or d i believe] but i think this will proberly be the best way to go if you are looking at keeping the car [selling on values is one of the issues that would worry me.]

New to the site and to the world of VW great site hope this helps...

[craggsy 91]

I'm in same sort of position as you dub weiser as i had a front end shunt and assesor has been out and now i gotta wait to see what can happen. My insurance has said that i can't buy it back if they do write it off. So i'm waiting on a phone call now

[dub_weiser 0]

Nervous Passenger why would I not get my full

[gloster 0]

Like i say it depends alot on the policy you have and without knowing the exact terms and conditions its difficult to know.

You say you have an agreed value but has the car been viewed by an engineer at the policy start to confirm its "agreed" value?, the majority of underwriters will simply work from a "parkers" style guide price for the motor industry, working on a top and bottom price dependant on the mileage, condition etc etc [are your mods covered on the policy for instance? know they aren't on some policies?]. Just to try and reassure you, i have known insurers raise there original offer substantially once the client [sorry in work mode now] has provided documents and argued the case [rationally obviously !ill ] i normally suggest people get as much service history as possible to the insurer and provide evidence of how much the VR will cost to replace for as like for like as possible. Obviously this can all take a while to process for the insurer, it would normally be the engineer who would make the decision so keeping him sweet is a good idea, he could also have the final decision as to whether or not you would be allowed to buy the car back for salvage value- this isn't guaranteed. so don't let them take it away.

But for all i know you have an all singing and dancing specialised policy that actually does what its supposed to do.

Thanks for the welcome. Hopfully i'm helping.

[dub_weiser 0]

Ok, that helped a bit. When I took out policy with HIC they sent a form wereby I had to get a garage to assess my car and value it. The car was valued at

[gloster 0]

Sounds like a very good policy, which is great news. Doesn't look like the value will be any problem at all with the certificate. Ref the service history, i did mean copies. Deffo worth getting quotes on the work if you don't fancy having a go at it yourself, garages working via insurers will aways charge the earth because of the guaratees the garage has to give the insurer to keep the contract as an approved repairer...