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Old 23rd July 2017, 10:43   #41
MSS
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Quote:
Originally Posted by grivas View Post
ALWAYS call the police no matter the circumstances, report the incident and get a reference. Then call your insurance, make certain they are in no doubt that you are NOT making a claim on your policy, but on the other person's.
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Originally Posted by Avulon View Post
+ get contact details for any witnesses.
Why attempt to call the police unless a) it is a serious accident or b) someone is injured or c) it is not possible to swap details such as name and address or d) you suspect the other party has committed a criminal offence e.g uninsured, drunk...?

To do so, all it will achieve is to waste police time, which these days is scarce. There is nothing the police can do - it is your word against the other party's as to what occurred in the case of "minor accidents".

If you wish to file an accident report, most forces make it possible to do so online.

Other than satisfying the above conditions, if the other party refuses to reimburse you for your losses it is a civil matter and you will need to take the party to court with your own witnesses and experts etc.
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Old 23rd July 2017, 14:35   #42
gazcaz
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Originally Posted by NigelOBB View Post
Last Thursday, a silly women reversed into my rear door whilst I was parked up.. LV are now saying my 75 is a total loss and offered my £1000 for a fully loaded 04 Contemporary Se.. or £850 and keep car as Cat C.. 😡.

Anyone had any luck in overturning this.



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Makes my blood boil this situation.The car is a fine example and they want to write it off idiots.....This is what scares me that our cars are hit by someone else and they want to write it of ,why do we pay insurance i have never claimed in my life now 50 years old how much have they had of me ? and then i may need £1500 worth of fixing done and they say no i would fight it all the way ....
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Old 23rd July 2017, 19:47   #43
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Originally Posted by gazcaz View Post
Makes my blood boil this situation.The car is a fine example and they want to write it off idiots.....This is what scares me that our cars are hit by someone else and they want to write it of ,why do we pay insurance i have never claimed in my life now 50 years old how much have they had of me ? and then i may need £1500 worth of fixing done and they say no i would fight it all the way ....
This is exactly what worries me with my ZT-T, if someone hits it, any small amount of damage and they'll write it off, incidentally, has anyone noticed the irony of the opticians in the background being closed.....
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Old 23rd July 2017, 21:16   #44
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This is exactly what worries me with my ZT-T, if someone hits it, any small amount of damage and they'll write it off ...
See my post no. 38 for a solution Jim.

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Old 25th July 2017, 07:44   #45
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Cheers Jeff, �� it doesn't help I have a lot on at moment and am really stuck without it ��


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Why are you stuck WITHOUT IT ?

Its only a little dent, so carry on using it until your ready to make a decision.

From the photograph it does not look unsafe or illegal to use.
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Old 25th July 2017, 11:01   #46
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I too had my 75 wrote off as a cat C after a woman reversed out of a space into my car. there was a slight dint in the wing and wheel. The bills for repair were obscene that the insurance were quoted (as i had the summary of what was needed). The problem is they have to use new parts and that included a new wheel. These parts are not cheap. we ourselves could do it for £100 total but there price was£900 + and they my car was worth £1500 so i accepted and bout it back for £120.
Took it straight round to the M.O.T centre and back on road next day without any need of a repair.
The guy at MG specialists laughed when i asked him if he could point out the cat C damage as he never noticed anything.
Try and ask them to cat D it instead. It will not make any difference on your insurance but just the value of the car.
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Old 25th July 2017, 15:46   #47
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Why are you stuck WITHOUT IT ?

Its only a little dent, so carry on using it until your ready to make a decision.

From the photograph it does not look unsafe or illegal to use.


They initially wrote the car off, either way would have caused a lot of inconvenience. That's been overturned now.. the damage is nothing.


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Old 26th July 2017, 11:48   #48
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Quote:
Originally Posted by mss View Post
Why attempt to call the police unless a) it is a serious accident or b) someone is injured or c) it is not possible to swap details such as name and address or d) you suspect the other party has committed a criminal offence e.g uninsured, drunk...?

To do so, all it will achieve is to waste police time, which these days is scarce. There is nothing the police can do - it is your word against the other party's as to what occurred in the case of "minor accidents".

If you wish to file an accident report, most forces make it possible to do so online.

Other than satisfying the above conditions, if the other party refuses to reimburse you for your losses it is a civil matter and you will need to take the party to court with your own witnesses and experts etc.
Always suspect 'd)' : it's the only reasonable thing to do, because: if you don't and they do fall into the 'd)' category you've delayed reporting it. It's not for me to ask another driver to take a breath test (in which case the delay means they get away with it) or check their licence hasn't been suspended etc...
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