Tom G
Member
Registered: 4th Aug 08
Location: Cheshire
User status: Offline
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last night was in asda car park. The car infront of me parked up then as i was waiting for a space, the car then reversed into me then went forward and reversed into me again.
The guy admitted fault, rang tesco insurance they said that i will still have to pay my £500 excess (only put it that high as i am only 17) even though i wasn't at fault!!!!!
I got a estimate from a body shop today and he said a new door a wing skin £800 - which the insurance probably won't pay and just class as a right off
I've spoke to the guy and he said that he will be decent enough to give me £250 to settle it without going to insurance.
My door has about a 3x3cm dint in which has flaked off the paint and created a crease. also my front wing has been hit out of shape.
Hoiw much would people estimate for a passenger door a front wing respray as im looking at getting new ones also the labour cost to trasfer the locking mechanism in the door over to mine and the door to be fitted??
I just need all the advice i can as im abit confused what to do.
My car is a Blue Corsa B R reg. 3Dr, merit which i payed 950 about 2 months ago.
Im looking to sell it in january and getting a newer corsa possibly C model. so i might just be looking for a quick fix as.
Any advice from people who have been in same situations will be great 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Go through the insurance, you'll get your excess back.
Nice enough to offer £250 when it's 800 worth of damage 
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Sean-B
Member
Registered: 1st May 07
Location: Wolverhampton Drives: 200SX S14a
User status: Offline
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leave it and sell it as is, probs wont get much even if it was fixed.
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John
Member
Registered: 30th Jun 03
User status: Offline
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If it's written off it saves you selling it as well.
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Tom G
Member
Registered: 4th Aug 08
Location: Cheshire
User status: Offline
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I'll get excess back when though haha
I don't have a spare 500 quid lieing about tbh!
Also it will be a right off if i did go through insurance.
I'm pissed off at the price as the damage is only superficial and very small
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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they wont take your excess at all
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Terry12
Member
Registered: 24th Sep 07
Location: Manchester
User status: Offline
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Any pics of the damage mate? Is it a metallic or flat blue?
You could get a door and wing from a scrappers and prep them yourself and get a friendly bodyshop to do a cash spray for you.
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Tom G
Member
Registered: 4th Aug 08
Location: Cheshire
User status: Offline
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Flat blue mate.
I'm going to get onto tesco now again and btw i need a car for work so don't want a right off and be x amount down from when i first brought it.
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Terry12
Member
Registered: 24th Sep 07
Location: Manchester
User status: Offline
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If they right it off you can buy it back and make a few quid out of it
If you're depserate for a car just go to the local scrap yard and buy a door and wing and paint them when you have the time and money.
Tell the old duffer you want £400 and pay £100 tops for a door and wing
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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dont claim, will push your insurance up next year
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GT190
Member
Registered: 6th Dec 07
Location: Greater London
User status: Offline
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if it does get written off, they take the excess money off that.
so you'll get £1000ish for the car minus £500 excess.
then when the other guy gets found at fault you will get your £500 excess back.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i've been in this position and they take your excess money then recover the costs from the other party.
i'd personally take the cash in hand if it's a small dent as your insurance will go up a lot when you declare that you've been in an accident, even if you're not at fault.
i've been in 2 non fault accidents and my insurance has been pushed up another £500 than what it would be if i didn't have an accidents.
[Edited on 20-09-2008 by Ben G]
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Tom G
Member
Registered: 4th Aug 08
Location: Cheshire
User status: Offline
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okay im just going to sort it my self cheers
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Skylined
Member
Registered: 27th Sep 05
Location: Sideways, Surrey
User status: Offline
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quote:
Originally posted by M2RTY
dont claim, will push your insurance up next year
by claiming off someone elses? 
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Theham85
Member
Registered: 29th Nov 06
Location: Brisbane Queensland
User status: Offline
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Maybe he doesn't like toffee
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Endsleigh told me that non-fault claims (as in claimed off 3rd party's insurance) dont push your insurance up
Anyway, as others have said, get the door and wing from a scrappy and take them to a bodyshop for spraying
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andys sxi
Premium Member
Registered: 19th Jan 06
Location: Chester Drives:Scirocco tdi bluemotion
User status: Offline
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it will put your insurance up even tho its not your fault we are talking about insurance companys here love taking money off us all
April 08 feature car
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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OMZZZZZZZZZZZZZZZZZZZZZZ A CONSPIRACIESSSSSSSSSS!
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scotty gsi
Member
Registered: 9th Aug 08
Location: sunny oban baby!
User status: Offline
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grab the 250 notes from the coffin dodger. Get down to the local breakers yard, corsa's are ten a penny, chances are you'll get a door and wing for buttons. Might even find one the same colour if you hunt about
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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3x3 cm dint on door and he said it needs a new door? wtf. shithole body shop by sounds of it.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Plus insurance is such a fucking ball ache. Months of hassling them, I'd rather lose a couple of hundred to avoid that.
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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They rely on that.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by antnee
Endsleigh told me that non-fault claims (as in claimed off 3rd party's insurance) dont push your insurance up
Anyway, as others have said, get the door and wing from a scrappy and take them to a bodyshop for spraying
they will bump your premium up because apparently you are much more likely to be in another accident because you've already been in one.
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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take the £250!!! the px the car when getting ya new one... even keep the 250 towards bits for new one?
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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No Win No Fee Solicitors
You wont pay any access and they deal with everything.
Happened to me last year mate.
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