craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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woman pulled out of a junction right in front of the saab infront of me, the woman in the saab stopped on time and i locked up, right into the back of her, fucking woman who had cut out just kept going so that just might be my wee car written off
completely gutted
E36 328
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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driving too close to the car infront
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John
Member
Registered: 30th Jun 03
User status: Offline
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Yip that's even worse because it's a fault claim on your end.
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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about 3 car legnths away, wheels just locked up an slid, rain might have had something to do with it but fuck it, cant change anything now 
E36 328
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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was jus lookin at your pics, i used to go to college near that drumpellier park place
bastard about the car tho m8,
but b4 the magpies get in about, did i spot gsi sideskirts in your pics? 
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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will go down as your fault
because you wernt a safe distance away
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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quote:
Originally posted by ShEp
was jus lookin at your pics, i used to go to college near that drumpellier park place
bastard about the car tho m8,
but b4 the magpies get in about, did i spot gsi sideskirts in your pics?
its not a complete set mate, not sure what im doing with the car yet but theres no usable parts from the front end anyway
E36 328
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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quote:
Originally posted by IvIarkgraham
will go down as your fault
because you wernt a safe distance away
yeah i know, only way i could have prevented it
E36 328
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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u insured fully comp?? if u are get bits off it to sell asap before they take it away cos after that you'll get none of it
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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gonna take it apart and see how bad it is, if i can fix it then i wont bother going through my insurance
E36 328
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by craig8
gonna take it apart and see how bad it is, if i can fix it then i wont bother going through my insurance
Why not?
She will go through yours, and its still a fault claim on your account
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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because the paint would probably cost more than the car is worth, and it will be written off
E36 328
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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Ah, I see
I've never found myself in that situation...but surely if you are going to lose your excess (im presuming that) its worth getting as much done to your motor as possible? just leaving you with the paint issue?
Sounds complicated...esp if you declared the paint
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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i have about £600 excess, and i wont have to pay that if a claim is made against me? only if i claim
so long as its only cosmetic i can fix it for less than that, if its got some structural damage then i'll have to see
E36 328
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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Nightmare
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ed
Member
Registered: 10th Sep 03
User status: Offline
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You don't pay the excess. The excess is deducted from your claim payout.
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by ed
You don't pay the excess. The excess is deducted from your claim payout.
Not if you are at fault...otherwise what is the point of an excess?
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John
Member
Registered: 30th Jun 03
User status: Offline
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Yes jules is right, you pay the excess whatever, just happens that if you get a pay out the excess is deducted from this.
If the car was repaired you would pay the excess.
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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so do i pay the excess if the woman i hit claims? or is it only if i claim
E36 328
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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you pay the excess if you claim
if the 3rd party claims against you, she just pays her excess which will be refunded to her when its deemed not her at fault in regards to the accident, and your premium just goes up.
no doubt she may also go for personal injury claims too...
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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quote:
Originally posted by PaulW
you pay the excess if you claim
if the 3rd party claims against you, she just pays her excess which will be refunded to her when its deemed not her at fault in regards to the accident, and your premium just goes up.
no doubt she may also go for personal injury claims too...
yes this is correct, my cousin had some1 go into him and he had to pay £520 excess while his car was fixed. took ages gettin the fooker back from norwich union tho.
gotta be careful with the winter weather now, i doubt ill even use my car when the snow comes
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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went to the garage today, they quoted me £650 to put standard bumper, standard bonnet etc on and paint it how it was, he said its not as bad as i thought so thats some good news
E36 328
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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so watch your breaking distances when the roads are like this, i thought i had enough room but you can see how wrong i was
E36 328
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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Ouch
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Shane
Member
Registered: 10th Jan 04
User status: Offline
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quote:
Originally posted by craig8
went to the garage today, they quoted me £650 to put standard bumper, standard bonnet etc on and paint it how it was, he said its not as bad as i thought so thats some good news
cant you just supply another bumper and bb bonnet? shouldnt cost 2 much  you could even get the wings on the cheap, and just leave them to do the rest?
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