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BeemerGaz

Car accident woes and insurance queries...

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Hi folks, firstly I'd like to wish you all a Merry Christmas and a happy and healthy 2019.

Bit of bad news concerning my 330ci...

To cut a looooonnng story short I unfortunately was involved in a car accident on Christmas day. Myself and my passenger were ok thankfully.

The other driver admitted fault according to the police officers who attended the scene. He basically came straight out of a side street and smashed into the front/nearside of my car damaging the bumper/bonnet/wing/headlight etc (see attached pics).

According to my insurance company (Esure) they will more than likely write the car off. It's as I write this being transported from a recovery compound in Hoo (Kent) to a workshop/garage in Sidcup who will assess the damage and confirm whether it can be repaired and at what cost. I'm basically steeling myself for bad news as I'm fully aware that they see it as an old vehicle no matter how rare it is or what the mileage is etc.

This is my first major accident where it may result in having my car written off.

I'm basically writing all this to ask for any opinions that people have regarding the process that I'll go through (buying the car back from them, possible amount that they will offer me etc).

Thanks very much for your input.

Suffice to say I'm very sad to see her go :(

IMG_20181225_115152.jpg

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Damn! Sorry to hear it.. Shame it happened but thankfully everyone is ok! That's the main thing..

If they write it off then they offer you a value for the car. You're in a relatively decent position on that front as you only just bought it. So if they say it's worth £200 (that's an exaggeration obviously. lol) you can say well shove that £200 - I just bought it for £X,XXX! You may not get back all of what you paid though.

In terms of buying it back i'm not sure what the percentage is but you're free to buy it back in most cases (so long as it's not structural damage such as chassis legs being bent, which you can tell from a mile off it's not).

You can then either get rid for parts/scrap. Or fix it up. But that'll cost a pretty penny!

Looks like you at least need bonnet/wing/bumper/headlight/indicator. Then paint for all of that. Also depends if anything else is damaged under the surface. Have a look at the damage report when it comes back and decide from there.

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Not that it's much use, but I'm pretty sure I've got a prefacelift coupe headlight sat spare in my garage (I've defo got the housing, I think I've got an appropriate lens too). If you fix it up yourself, let me know, and I'll send it over...

Sorry to see that though - but glad you're ok!

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@momo Cheers mate, yep that's what I keep telling myself that it could have been so much worse. I've had the car just over 2.5 years so I'm not sure whether they will take that into account...though I still have the original receipt/bill of sale.

Regarding buying it back. I've yet to hear from the bodyshop/garage (which btw isn't in Sidcup like I was originally told...it's apparently being dealt with by Southside A R C Limited in Woolwich/Thamesmead) I'm assuming they'll price the work up by using brand new parts possibly ordered from Germany instead of 2nd ones...thus making the job far outweighing the value of the car. Having a brief look on ebay came up with the parts needed all for a reasonable price...course fitting/labour is where the money is spent. I'd even happily drive round with mis-matched coloured panels for a while until such a time as I could afford to get them resprayed.

@TriggerFish Thanks mate, yep we're both ok though my passenger took the brunt of the crash. Thanks very much for the kind offer of the headlight...I'll bear that in mind when I decide whether I'll fix her up myself.

On a side note...when they finally get round to offering me the cash, where do they get their information from as trying to find another velvet blue 330ci is rather difficult.

Thanks again for all the help.

BG

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Don't think they take rarity into account tbh.. They usually look at Glass's and the like for valuation.. So make/model/year/mileage.. Just the basics. It usually seems as though they take the valuation then undercut it by say 20% to give them argue room (I won't call it negotiation room as they're usually a-holes).

Anything more than that you need to get agreed value insurance which is usually significantly more expensive. There was a guy on here years ago who had a heavily modified 330i saloon (I think he had it charged too) so got agreed value insurance.

I don't think they source parts internationally unless it's a very rare car. They usually use insurance approved parts suppliers who only supply to the trade (cheaper than manufacturer obviously so greater profit margin for them as lower repair costs), if not available then they go to the manufacturer usually. They don't pass those savings on to you/me though!

2.5years might be too long tbh. Not sure why, I thought you'd only just bought it a few weeks ago! Ooops! Sorry..

Edited by momo

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@momo No worries mate and thanks very much for your help and advice.

I've paid a visit to the body shop to have a chat. They've assessed the damage and sent off an email to Esure. Apparently according to the guy I spoke to there is damage to the chassis and also the suspension hence them giving an estimated repair bill of £8000...yes eight bloody thousand pounds.

The words 'written' and 'off' are flashing before my eyes in bright green neon with flashing strobe lighting just to make sure it's visible.

I'm now awaiting a phone call where they offer me approximately 34p...well once they stop laughing to themselves that is.

I shall update this as and when they do...

 

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Bloody hell!!

Did they show you the chassis damage?

To be fair the suspension turret isn't too far back from where the bonnet has creased so while likely not from the impact itself - the impact probably pushed other bits back and could've damaged it. Straightening that would be a royal PITA.

If that's the case I wouldn't even think about buying it back - too much work.

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Funnily that was the words that I uttered when he said 8k...though I may have mumbled a couple of swear words as well :o

Nope, he wasn't forthcoming with any help regarding showing me the damage etc...actually he was a bit of an a-hole about it and not at all chatty.

Another thing I meant to add about the damage to the car is that when looking down the drivers side from the back to the front is that the front wing sticks out about 3/4". It's obviously part and parcel of the car being thumped into and shunted over the road from the left to the right.

Yep, I'm coming around to the idea that buying it back would be crazy.

Watch this space regarding any updates.

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Yup, Chassis will be fubar..

Might be worth a call to a few breakers to ask how much they'd pay for the car? If you can buy it back for say £200 and they'll give you £400 then still £200 in your pocket.

My brother did that with an old Toyota once..

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Sorry to hear about the accident and glad everyone is OK. I was involved in a non fault accident, bin lorry reversed into the front of my E90 when I was parked in a public car park. I was and still am with Esure, all I can say is they handled the situation brilliantly. Great customer service. The car unfortunately was a write off, similar damage to your car. I got a hire car for the whole process off Esure and they liaised with the Council’s insurance and sorted the communication on my behalf. Gutting but i’m sure they’ll assist you to a high standard like they did me. You will receive a non fault claim on your insurance. My premium didnt go up much, im sure it was less than £100 extra a year and I have 2 cars insured with them.

What I did was buy the car off the insurance company at a reduced price. They take the money off the final agreed value of the car. So i got my car back then the rest of the car value as a cheque. I then sold it as a write off to Copart. Contact Copart online, theyll ask for pics etc and theyll stick to their offer price. I made £500 on the original purchase price - purchased the car 6 months previous to the accident by doing this.

If you deal with the at fault party’s insurance company dont take their first price. Find cars on ebay, Autotrader, Gumtree etc of similar condition to what yours was and haggle. Obviously if you are attatched to the car, sentimental, mods etc, you could buy it back and register as a write off, cat c/d etc. I didnt see this worth it as it was unmodified.

Its a stressful time but looking back it was a learing process and I couldnt be happier now as i’m back in a E46 with the money I recuperated.


Sent from my iPhone using Tapatalk

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Once again thanks very much for the replies...

@momo Yep, I dare say the chassis is well and truly kaput. I was thinking about the exact same thing...phoning a breakers, ideally a BMW specialists and ask them how much they'd give for the car. I'd even supply them pictures of it...before and after the carnage!

@Ger89 Thanks mate, that's very good to know. It's also great that you eventually got what you wanted with a bit extra...so there's hope for me yet!

Before I forget to mention it...I'm a bit confused as (unluckily/luckily) my car insurance runs out on the 5th of January...will I have to keep paying my premium (monthly at the moment) and if so should it go up or down? I would have thought that it would go down slightly as there was no chance of having a collision/claiming etc...but then again I'm totally naive on the matter.

I'm planning on phoning my appointed recovery specialist from Esure in a bit to discuss a few issues...namely courtesy car and insurance premiums etc. I've been told by work colleagues to go ahead with an injury claim but I'm rather hesitant to do this as I've always frowned upon it...what do others think?

I'll post an update whenever there is any news on the situation.

In regards to buying a new car...weirdly I'm feeling like I'll be replacing a dead pet with a similar breed etc so I'm not sure what to do...oh and I also can't find another Velvet Blue 330ci apart from the odd Clubsport/M3.

Stay tuned...

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Nothing to be frowned upon. If you're hurt/feeling the effects of the crash and losing out financially then make the claim. Unfortunately most people would claim regardless of if they were actually hurt or not hence everyone's premiums going up (well, that and insurance companies wanting to protect and increase profit margins).

I don't think your premium would change at the moment tbh. Come Jan 5th though - you might find it suddenly goes up as fault/non fault you're deemed "higher risk". At least that's what happened to my wife.

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