I Think I Wrote Off My Car

[xALmoN]

oh goodie, then i better scavenge whatever parts i want from it before an assessor comes, first up, the wheels, replaced with stock supra ones, and my cheapo headunit.

[llama_au]

I think your titles a bit wrong, someone else wrote off your car.

Glad to hear both parties are okay. If you're still feeling sore, get checked out by a doctor. Your medical expenses would be covered by the TAC.

[Cowboy1600]

they have no legal right to take it to there recommended repairer as you stated in your above post....there assesor will come to your panel shop to have a look at it and filter the independant assessors quote....but thats all, he may ask.....but your no obligated to let him move it.....i deal with these people everyday,i know how it works.If they try play hardball tell them your going to a third party recovery agent and watch them give in.......And if your letting them walk all over you with your datsun your not playing the game properly....and i assure you RACV is by far the worst,they will lie to you on many occasions to stall payment and try and offer you well under what the vehicle is worth

Oh FFS.

I never said the car has to go anywhere. All I f**king said was they will want someone, be it one of their in house assessors or approved panel guys to have a f**king look at the car. It's pretty f**king simple and it's correct. They will not pay out a claim without first having a look at the car in some way, shape or form.

And where did I say they are "walk(ing) all over" me? You think I came down in the last shower? If the RACV reckon I'll settle for anything less than what I have already decided on, then they are sorely mistaken.

f**king read what I said before opening your mouth.

[xALmoN]

chill guys. okay can i edit the title to "I think my car is going to be written off"?

[some_cs_student]

Only mods can edit posts more than 30mins after they have been posted. This thread will get locked if it keep going down hill

Bad luck getting written off, hopefully they will pay you out a decent amount of $$$

[Rekin]

i cbf reading the three pages, so stuff you if its already been said.

Had a person reverse into my car.

They need to call their insurance and lodge a claim for the repair of their and your car.

The person who hit you will then need to call you to give you a claim number.

Now you can call the insurance company with the claim number and demand your own repairer and/or cash payment because it was not your fault. They will try to push you to their repairer etc, but as the accident is not your fault you want it repaired the way you want.

I think I gave the claim number to Micolour + my car and they sorted it all out

[ylwgtr2]

Oh FFS.

I never said the car has to go anywhere. All I f**king said was they will want someone, be it one of their in house assessors or approved panel guys to have a f**king look at the car. It's pretty f**king simple and it's correct. They will not pay out a claim without first having a look at the car in some way, shape or form.

And where did I say they are "walk(ing) all over" me? You think I came down in the last shower? If the RACV reckon I'll settle for anything less than what I have already decided on, then they are sorely mistaken.

f**king read what I said before opening your mouth.

Be careful. I'm in a biffo with the RACV at the moment. They have offered me $1,850 for my Datsun, which I decided to reluctantly agree only for them to tell me that they will then take out the cost of rego, prorated, meaning they pay me $1400 and I then go and cash in the rego to bring it up to $1800. So they are including the left over rego as part of the cost of the car. f**kers.

sorry i must have misunderstood this :S

i cbf reading the three pages, so stuff you if its already been said.

Had a person reverse into my car.

They need to call their insurance and lodge a claim for the repair of their and your car.

The person who hit you will then need to call you to give you a claim number.

Now you can call the insurance company with the claim number and demand your own repairer and/or cash payment because it was not your fault. They will try to push you to their repairer etc, but as the accident is not your fault you want it repaired the way you want.

I think I gave the claim number to Micolour + my car and they sorted it all out

the above is correct

Edited July 1, 2010 by ylwgtr2

[ylwgtr2]

oh goodie, then i better scavenge whatever parts i want from it before an assessor comes, first up, the wheels, replaced with stock supra ones, and my cheapo headunit.

i probably wouldnt be taking anything off before the assessor comes...in actual fact id be washing and polishing it and cleaning the inside to make it look like it was worth more $$$ and well looked after....the more you can make the car worth the better if they are going to total loss it....and i would assume putting second rate stuff on would drop the value?I guess its something you would have to weigh up if the stuff is worth hanging on to or giving it up and getting a good payout

[xALmoN]

Well, if anything, i reckon my AVS wheels wouldn't really affect the payout by more than $500 and thats less that what the wheels are worth, so i'm putting stockies on. And keeping my wheels, the inside is pretty damn clean btw, so it shouldnt really be a problem.

Yeah most importantly, i love those wheels and i would like to keep them =D

[Dostalgia]

i suggest you not try be smart and change anything..

if the insurance company finds out, you might not even get a cent of the payoff.

you mentioned your wheel caving in and imagine you don't have a single bent / scratch mark on your wheels.

[FrangaR33]

i suggest you not try be smart and change anything..

if the insurance company finds out, you might not even get a cent of the payoff.

you mentioned your wheel caving in and imagine you don't have a single bent / scratch mark on your wheels.

He's not doing anything illegal, his car isnt insured and he wants to keep his aftermarket rims and a few other non standard things and restore the car to stock. Nothing wrong, immoral or illegal about that.

[Dostalgia]

He's not doing anything illegal, his car isnt insured and he wants to keep his aftermarket rims and a few other non standard things and restore the car to stock. Nothing wrong, immoral or illegal about that.

well my point is,

It doesn't matter if his car is insured or not as long as he is making a claim, the insurance company he is making a claim from, can refuse to payout or reduce the payout because the accident vehicle has been tampered with. nothing wrong if he is changing anything to his car IF he is not making a claim.

so if you still insist its alright go ahead i am not trying to correct someone morally or not, just trying to give my 2cent of advise.

[Cowboy1600]

sorry i must have misunderstood this :S

Just because the RACV are offering me less than what the car is worth, doesn't mean I'm going to accept it.

I was willing to take $1,850 but they have effectively knocked $400 off it by giving me some bullshit about taking the remaining rego off the claim.

[Cowboy1600]

Well, if anything, i reckon my AVS wheels wouldn't really affect the payout by more than $500 and thats less that what the wheels are worth, so i'm putting stockies on. And keeping my wheels, the inside is pretty damn clean btw, so it shouldnt really be a problem.

Yeah most importantly, i love those wheels and i would like to keep them =D

They won't take the car on the day.

Just tell them that if they are taking the car you will be removing the following items before they do and give them what you will be taking off.

You're effectively in the drivers seat here. You have no contract with them as to what you are and are not entitled to so you can push for a satisfactory result on your behalf.

[xALmoN]

Point noted guys, i'll leave the car untouched for now.

[Birds]

I've taken stereo systems and wheels off cars plenty of times before insurance company has come to collect/assess. If you have no current insurance and therefore agreed value with current insurerer, they will have no idea what is on your car and will probably only want to pay you a factory/stock vehicle's market value for it. But even after a car has been assessed as a write off I've still taken bits out of it before it gets taken away for wrecking/auction.

[KURAUN]

i would to.... its only going to get stolen once they take it to the auctions anyway

[FrangaR33]

I've taken stereo systems and wheels off cars plenty of times before insurance company has come to collect/assess. If you have no current insurance and therefore agreed value with current insurerer, they will have no idea what is on your car and will probably only want to pay you a factory/stock vehicle's market value for it. But even after a car has been assessed as a write off I've still taken bits out of it before it gets taken away for wrecking/auction.

Exactly they wont pay you out any extra if you have a sweet as stereo or nice rims, they will pay out only as much as they have to. Your not their customer they have no obligation to pay you anything other than the stock market value of your car. Its none of the Insurance companies business what he does or doesnt take off his car, if his car was insured with a company and he had it insured it with the rims and stereo then there would be an issue, not here.

When my brother wrote off his SS with full comp insurance we took off the induction kit and the stocko SS rims and left 15 inch stockers on it, he got paid out $400 less than the insured value but it was no problem

Edited July 2, 2010 by FrangaR33

[ARTZ]

If they havent seen it how are they gunna know what wheels you had on it anyway.

If they write it off with your wheels and stuff attached wouldnt they have to pay you out extra for them as well

I wouldnt be too sure they will write it off, my crappy 2004 work ute had 300,000kms on it and was smashed up way harder than that, it looked worse than that barina does and they fixed the bloody thing, despite me pleading for them to write it off..Now i have an even older dodgier car on the road, i only wanted 8k, but because it was market valued at 15k they couldnt write it off...They could have given me an agreed value of say 8k

( which is almost what they spent fixing it) taken the wreck and sold it too recoup some of their money..I could have bought a newer safer ute, and thats another shitty old car off the road..But no,now it has 430,000kms on it ,pulls hard to the left and wobbles allover the road, but f**ked if im wasting money fixing it when it could get written off tomorrow and id get a new one..

Then again imports have low market values so maybe they will write it.....whats market value on a supra..8k maybe..if ya lucky...and with import parts harder to source for the repairer, could be an expensive fix..Dont be surprised if they offer you 6k for your car but.....

Guess youll have to wait and see, but if the assesor wont pay extra for your wheels id be telling him your keeping them..

Ask MTRshenanigans on here hes an insurance person of sorts..

Edited July 2, 2010 by Arthur T3

[xALmoN]

If they havent seen it how are they gunna know what wheels you had on it anyway.

If they write it off with your wheels and stuff attached wouldnt they have to pay you out extra for them as well

I wouldnt be too sure they will write it off, my crappy 2004 work ute had 300,000kms on it and was smashed up way harder than that, it looked worse than that barina does and they fixed the bloody thing, despite me pleading for them to write it off..Now i have an even older dodgier car on the road, i only wanted 8k, but because it was market valued at 15k they couldnt write it off...They could have given me an agreed value of say 8k

( which is almost what they spent fixing it) taken the wreck and sold it too recoup some of their money..I could have bought a newer safer ute, and thats another shitty old car off the road..But no,now it has 430,000kms on it ,pulls hard to the left and wobbles allover the road, but f**ked if im wasting money fixing it when it could get written off tomorrow and id get a new one..

Then again imports have low market values so maybe they will write it.....whats market value on a supra..8k maybe..if ya lucky...and with import parts harder to source for the repairer, could be an expensive fix..Dont be surprised if they offer you 6k for your car but.....

Guess youll have to wait and see, but if the assesor wont pay extra for your wheels id be telling him your keeping them..

Ask MTRshenanigans on here hes an insurance person of sorts..

6k sounds a little too scary, i'd definitely be making an outcry if thats the case, that's bullshit.

Isn't her insurance supposed to give me enough cash to get another supra equivalent to mine, which means 20,000kms on the clock, perfect interior and original carpets. 6k won't get me that, 8k wont get me that, not even 10k would.