ChatterBank1 min ago
insurance Write off
Right, on the 12th of febuary i skidded on ice and crashed my car a ford escort flight 1.8TDI W Reg 2000 year into another car on my works car park. ( its for both customers and staff) and i hit into a mercedies. didnt do much damage to hers. just poped abit of her rear bumper off.
yet on mine it dented my bonet at the front and the bumper has a crack in it now, nearside light cluster may need to be replaced because of a plastic clip. and the front bumper bar. So because she went though her insurers. that was my no claims bonus lost. so i thought what the heck and went though my insurance myself. ( fully comp cover) they took the car away, and supplied me a curtasy car ( insurance renewal date was 1st march) it took 2 weeks for the insurers to send an engineer out to see my car. and it was deemed a total loss. apparently cost of repair would be �1.500 and my cars current market value is �800 :/ big jump down considering last year it was worth �1,900 :/.
So i have decided to buy back my car. i know it is 23% of �800 . and they take the �400 excess off. yet had no letters or nothing yet just what was said on the phone. but i am confussed. the car is i am sure a Cat C Write off. so basically apart from the front bumper bar. it is sound. i know someone who has an Escort mark 6 Estate which he is braking and he is letting me have the parts off his to repair mine. so i know the major cost will be the paint.
what i am confussed about is... how will it be logged on the cars registration documents (log book) do i have to send them the books. or something :S or will i have to send it to the DVLA when my car is road legal again?
yet on mine it dented my bonet at the front and the bumper has a crack in it now, nearside light cluster may need to be replaced because of a plastic clip. and the front bumper bar. So because she went though her insurers. that was my no claims bonus lost. so i thought what the heck and went though my insurance myself. ( fully comp cover) they took the car away, and supplied me a curtasy car ( insurance renewal date was 1st march) it took 2 weeks for the insurers to send an engineer out to see my car. and it was deemed a total loss. apparently cost of repair would be �1.500 and my cars current market value is �800 :/ big jump down considering last year it was worth �1,900 :/.
So i have decided to buy back my car. i know it is 23% of �800 . and they take the �400 excess off. yet had no letters or nothing yet just what was said on the phone. but i am confussed. the car is i am sure a Cat C Write off. so basically apart from the front bumper bar. it is sound. i know someone who has an Escort mark 6 Estate which he is braking and he is letting me have the parts off his to repair mine. so i know the major cost will be the paint.
what i am confussed about is... how will it be logged on the cars registration documents (log book) do i have to send them the books. or something :S or will i have to send it to the DVLA when my car is road legal again?
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Sorry, I'm a little confussed too- I lost track wondering where the figure of 23% of �800 had come from.
Anyway, the AA website says:
"Vehicles categorised as A, B or C require a VIC test before the DVLA will issue a new registration document."
http://www.aacheck.com/write-off-categories.ht ml
You should also read this article called What to do if your vehicle is scrapped or written off
this:http://www.direct.gov.uk/en/Motoring/OwningAVehicle/ChangesToYourRegistrationCertificate/DG_4022057
Anyway, the AA website says:
"Vehicles categorised as A, B or C require a VIC test before the DVLA will issue a new registration document."
http://www.aacheck.com/write-off-categories.ht ml
You should also read this article called What to do if your vehicle is scrapped or written off
this:http://www.direct.gov.uk/en/Motoring/OwningAVehicle/ChangesToYourRegistrationCertificate/DG_4022057
Your car could be cat. D, if so there is nothing to br put on the registration certificate.
http://www.mycarcheck.com/help/accidentdamage/
http://www.mycarcheck.com/help/accidentdamage/
Car would be a Cat C - this is where the cost of repairs exceeds the vehicle value.
The V5 will show that the car has ''been previously repaired and/or substanitally damaged''.
However, the DVLA will not issue a new V5, or send you tax reminders until the VIC is done on your car.
The insurers should have sent you something in writing by now about the value and you retaining the car - we usually do. I theory, the insurers should destroy the V5 and current MOT, thus making sure you follow the VIC procedure, but inevitably they won't - if they don;t ask you for the documents, don't worry about it
The V5 will show that the car has ''been previously repaired and/or substanitally damaged''.
However, the DVLA will not issue a new V5, or send you tax reminders until the VIC is done on your car.
The insurers should have sent you something in writing by now about the value and you retaining the car - we usually do. I theory, the insurers should destroy the V5 and current MOT, thus making sure you follow the VIC procedure, but inevitably they won't - if they don;t ask you for the documents, don't worry about it
Well i have not heard nothing yet from the insurers in writing. i am with More than. ... so no idea if they have previous of taking there time. all i know is that i had the accident on the 12th feb. and it is now the 4th march next week will be a month since i crashed. :/ all i got is insurance renewal reminders. and ones that have recalculated after the claim. but nothing stating what needs to be done to the car. or a proper offer of money :/ like they took the curtasy car back the same day they wrote my car off. so in essence i could be carless now. and no way of getting into work :/
To get a better knowledge about your problem, You better visit the following site where you can get all details about the insurance plan like accident plan,home plan, pension plan and so on.
http://insurance-plan-guide.blogspot.com
http://insurance-plan-guide.blogspot.com
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