|
||
|
22nd February 2019, 22:39 | #1 |
Avid contributor
MG ZT Join Date: Sep 2018
Location: Tamworth
Posts: 219
Thanks: 0
Thanked 34 Times in 17 Posts
|
slight prang!
Hi all just had a slight bump in my ZT can you believe. Just passed its MOT as well, cleaned and polished and headlight lenses buffed as they were a bit frosty. Must admit the car looked great. Then I went to work on Monday morning and collided with another car just at the end of my street. Brilliant! Its damaged the front nearside corner consisting of damaged bumper, headlight surround and lens cracked & broken (xenon lights) damaged wing and its just caught the very edge of the tip of the bonnet. As you can imagine I am thinking this will be a write-off. Putting it through the insurance at the moment. They wanted loads of photos of the damage plus all 4 corners of the car, a photo of the VIN number and the mileage on the dash. They have just got back to me today to say the engineer has assessed the vehicle and are basically saying the value of the car is £1334 minus the excess of £550 which leaves me with £728. The car is basically being written off but instead of pressing the Accept button I decided to press the Decline button. Not sure what to do now. Do I dispute the value? I have been told to go for cash in lieu of repairs and that way I avoid a salvage title being attached to the vehicle. I need your thoughts on whether to accept the write off or do I fight to keep it and try and fix it myself. Just to clarify the car is an MG ZT190SE in Pearl Black 54 plate. I also need to bear in mind the availability of parts such as headlights and wings etc with purchase costs and of course painting costs. Is it worth it to save the car or not? Mark.
|
23rd February 2019, 03:07 | #2 |
Gets stuck in
MG ZT,MG ZT-T Join Date: May 2008
Location: St. Helens
Posts: 961
Thanks: 211
Thanked 235 Times in 158 Posts
|
Hi Mark,
I would say save it if you like the car! I would ask for cash in lieu of repairs, then source some second hand parts (correct colour for wing and bonnet to save on respray costs). I am presuming that chassis rails haven't been twisted. Neil |
23rd February 2019, 06:55 | #3 |
Gets stuck in
MG ZT 190+ Join Date: Nov 2012
Location: North Shields
Posts: 561
Thanks: 143
Thanked 170 Times in 103 Posts
|
If nothing is bent out of shape then repair it yourself, it doesn't sound too bad, where are you going to buy a car for £700?
__________________
Approved food eater |
23rd February 2019, 07:05 | #4 |
This is my second home
Rover 75 Saloon & Tourer Join Date: Sep 2012
Location: Lincoln
Posts: 14,963
Thanks: 1,630
Thanked 3,032 Times in 2,181 Posts
|
repair it if you would like to keep the car.
headlight, if you cant get xenon can you fit ordinary lights? All the rest are easy to swop out. As said, what will you get for "£700" You could even end up with money left over macafee2 |
23rd February 2019, 08:53 | #5 |
Give to Learn
Freelander 2 Join Date: Aug 2010
Location: West Midlands
Posts: 18,792
Thanks: 1,155
Thanked 6,407 Times in 3,874 Posts
|
Hi Mark after contacting you through email, glad to see you post up a thread.
Did you contact ( mickyboy ) like I said too, because if he can help he will, also remember regarding the light you could contact ( Devlish ) he as some refurbished lights I think. Post up a couple of photo's of the damage, who's fault was the accident ? also that is high excess of £550 I only have excess of £100, sounds like you have about £450 worth of second hand parts to find, and about 3/ hours work to fit them, should you decide to save it.
__________________
Arctic Givology Learn to Give Everything is Achievable ad altiora tendo. Check out our Nano meet dates http://www.midlandsnanomeets.co.uk/ http://www.the75andztclub.co.uk/index.php?thepage=howto " You do the work , we supply the expertise " |
23rd February 2019, 09:06 | #6 |
I really should get out more.......
MG ZT-T CDTI Auto Join Date: Feb 2014
Location: Newton Abbot
Posts: 2,624
Thanks: 1,342
Thanked 518 Times in 425 Posts
|
You can get parts easily enough and it would definitely be worth rebuilding as there aren't that many 190's around.
__________________
Rover 75 and MG ZT: The Complete Story |
23rd February 2019, 09:23 | #7 | |
Avid contributor
MG ZT Join Date: Sep 2018
Location: Tamworth
Posts: 219
Thanks: 0
Thanked 34 Times in 17 Posts
|
Quote:
|
|
23rd February 2019, 09:35 | #8 | |
This is my second home
Roverless + 1.7D Sportage Join Date: Aug 2014
Location: East Norfolk
Posts: 7,061
Thanks: 729
Thanked 2,021 Times in 1,449 Posts
|
Quote:
https://lasikofnv.com/try-these-3-fu...al-blind-spot/ The secret is to move your eyes slightly from left to right to "scan" and the blind spot is then seen (apart from the A pillar!). Good luck and best wishes with the rebuild. Mike
__________________
Oil in my veins! |
|
23rd February 2019, 09:48 | #9 | |
Avid contributor
MG ZT Join Date: Sep 2018
Location: Tamworth
Posts: 219
Thanks: 0
Thanked 34 Times in 17 Posts
|
slight prang!
Quote:
For the price of a bumper and wing, some paint and a headlight plus some bits & pieces it can be done. But the insurance just want to send it to salvage. So I declined their offer and wait to see what they will do next. |
|
23rd February 2019, 14:32 | #10 | |
Gets stuck in
75 Tourer CDT MK2 manual in Glorious Grey Join Date: Jan 2018
Location: Slovakia
Posts: 987
Thanks: 926
Thanked 346 Times in 252 Posts
|
Quote:
Cheers, Glenn
__________________
Southern Slovakia Anything can happen in Formula 1 and usually does - Murray Walker 1999 Triumph Trophy 900, Saddlesore 1600, Iron Butt Riders Association #63720 2005 Rover 75 CDT Tourer MK2 |
|
|
|