Tom N
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Registered: 4th Jun 03
Location: Bradford/Sheff (Uni) Drives: Golf GTI
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Hi,
Someone just crashed into the back of me in my corsa b. 
I have investigated the damage closeley and have now discovered that i dont only need a new bumper, but a crash panel atleast and a rear right light.
The bumper wont screw back into the panel on the right next to the right rear light, does this mean that it needs more than a crash panel? Is this write off material?
The guy said he would sort out the damage for me because he didnt want to claim and neither do i
What does everyone think?
Thanks
Tom
[Edited on 17-05-2005 by t-gangsta]
[Edited on 17-05-2005 by t-gangsta]
[Edited on 17-05-2005 by t-gangsta]
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Adam-D
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Registered: 11th May 02
Location: Cheshire
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if its his fault you can claim
your premuim wont go up
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Munchie
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Registered: 17th Jul 01
Location: I swap goats for mobile phones
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pics of damage? doesnt sound like a write off no.....
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Tom N
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Registered: 4th Jun 03
Location: Bradford/Sheff (Uni) Drives: Golf GTI
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Ah thats comforting to know 
What about the damage under the crash panel any idea?
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Tom N
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Registered: 4th Jun 03
Location: Bradford/Sheff (Uni) Drives: Golf GTI
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I will try and get some pics in a min.
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Adam-D
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Registered: 11th May 02
Location: Cheshire
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if theres a crese in the floor
what year/model is it?
damage behind the crash panel is bad
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Tom N
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Registered: 4th Jun 03
Location: Bradford/Sheff (Uni) Drives: Golf GTI
User status: Offline
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Its a 99/t 3 dr gls. Originally a 1.0 anything beater but now valver.
I will have a bit of trouble looking at the floor (system!), but i will try. I think behind the crash panel is dented in.
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Adam_B
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Registered: 13th Dec 00
Location: Lancashire
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quote:
Originally posted by Adam-D
your premuim wont go up
yes it will, hes been involved in an accident. doesnt matter whos fault it is.
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J20PHL
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Registered: 28th Sep 03
Location: Crowthorne, Berkshire
User status: Offline
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quote:
Originally posted by Adam_B
quote:
Originally posted by Adam-D
your premuim wont go up
yes it will, hes been involved in an accident. doesnt matter whos fault it is.
exactly what i was thinking, if u were to claim on your insurance then its your insurance that will pay, make him claim on his as its his fault or make him pay
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langey
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Registered: 7th Sep 03
Location: Wigan
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adam b is right, your insurance will go up, but not as much as it would if it was your fault, best thing to do is get the hospital play up the pains, get car sorted properly with no expense spared like this fella probably would. then wait about 6-9months, and get a nice tidy 1500-2500k
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ainsley_brader
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Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
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if you claim off his insurance without involving yours thewn it wont affect your policy. If you use your insurance company to claim off his ins comp then it will affect your insurance.
System or not you need to have a look where the floor meets the rear panel.
Is it insured as having a valver in it.
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broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
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shut up will it go up if he claims off the other driver! if it does insurance companies are being slightly cheeky in there policy! so long as he claims back 100% of his excess his insurance will remain unafferted
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Munchie
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Registered: 17th Jul 01
Location: I swap goats for mobile phones
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quote:
Originally posted by broster
shut up will it go up if he claims off the other driver! if it does insurance companies are being slightly cheeky in there policy! so long as he claims back 100% of his excess his insurance will remain unafferted
agreed, why shuld we pay for other peoples mistakes?
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ainsley_brader
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Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
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If you claim through YOUR own insurance wether at fault or not your renewal WILL go up period.
If you intend to claim then contact his insurance direct!
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whitter45
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Registered: 15th Nov 02
Location: Norton
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quote:
Originally posted by Adam-D
if its his fault you can claim
your premuim wont go up
Think you will find his premuim will go up
A claim is a claim regardless of fault - You a seen as a risk to any insurance company
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whitter45
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Registered: 15th Nov 02
Location: Norton
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quote:
Originally posted by langey
adam b is right, your insurance will go up, but not as much as it would if it was your fault, best thing to do is get the hospital play up the pains, get car sorted properly with no expense spared like this fella probably would. then wait about 6-9months, and get a nice tidy 1500-2500k
And u can fuck right off with suggesting he puts in an injury claim
That pisses me right off - It affects everybody's insurance premiums cos the money has to come from somewhere
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Fad
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Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
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It wont go up at all thats utter bollocks. When someone rear ended me His insurance company contacted me and i didnt even have to inform my insurance company about anything. It was dealt with swiftly and my insurance halved the following year.
One of my Ex's worked for an underwriters and she also told me this was bollocks
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Adam-D
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Registered: 11th May 02
Location: Cheshire
User status: Offline
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thanks fad,
a vectra crashed into me a month ago
my renewal is in a month
we shall see if it goes up
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slugger_54132
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Registered: 4th Feb 03
Location: Fair Oak, Hampshire
User status: Offline
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even if your insurance company gets involved, ie supplying you a coutesy car, they will claim everything back against the other bloke, assuming it was his fault, and this then wont effect your insurance, you aint making a claim, so no loss of no claims, if they did put your premium up, which they wont, move to a different insurance company!!
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Tom N
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Registered: 4th Jun 03
Location: Bradford/Sheff (Uni) Drives: Golf GTI
User status: Offline
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This is the only real pic I can get of the damage, mainly cos i cant get the camera behind the bumper!
In this pic, i have already pulled the bumper out as much as possible, but the main impact on the crash panel is in line with the towing eye.
I think the boot is bent aswell? I know atleast the light is loose aswell as the arch.
Also, how does the bumper come off? I have undone all three star screws at the top and taken the ones off underneath, are the ones just under the end of each arch?
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Edd
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Registered: 8th Nov 04
Location: Glasgow
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shouldnt be a write off.
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Adam-D
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Registered: 11th May 02
Location: Cheshire
User status: Offline
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thats pretty fooked
boot is out of line
rear 1/4 panel is outta line
the metal behind the crash panel is outta line
im pretty sure the boot floor may have a crease
need a pic of the floor
you may be lucky and get away with the boot floor not being creased
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Tom N
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Registered: 4th Jun 03
Location: Bradford/Sheff (Uni) Drives: Golf GTI
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Im not sure if the rear quarter is out of line actually, it mite be that the light isnt on properly (hopes!)
How much would I be looking at to get this fixed? Just a rough estimate obviously cos you dont have all the evidence.
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Adam-D
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Registered: 11th May 02
Location: Cheshire
User status: Offline
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cant say
my nissan was hit in the back and was wrote off "crease in the floor"
but my nissan is old
im not sure how much a body shop would charge
best bet would be to take to a bodyshop and ask for a rough quote
id have to see the car myself and feel the panels to be sure
look at the boot floor thou
for any ripples at all or any high spots
take the bumper off to, its fooked anyway
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Tom N
Member
Registered: 4th Jun 03
Location: Bradford/Sheff (Uni) Drives: Golf GTI
User status: Offline
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Ok i will do that. Thanks for the advice
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