Insurance dilemma - Accident

Erlingtheyounger said:
I think I’m going to have similar fun. I poor young chap rear ended me this morning on the A40 on the way into work whilst I was driving Tonka.

It was as a result of an absolute idiot performing a dangerous overtake that, had I not seen the danger a long way off and began slowing, then performed an emergency stop, would have been very serious.

I was stationary when the Peugeot 107 hit me from behind but I’ve no doubt they will want to classify Tonka 😡
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Hello Erling,

This is terrible news and very sorry to see Tonka involved in an altercation. Glad you're okay less for the stiff neck.

If you need any assistance with the PDC sensor holes then you know I have the 23mm punch tool that I used on OEMs rear bumper a couple of years ago. Happy to help but know geography is at play here.

Kind regards,

Tom
 
2work said:
Hello Erling,

This is terrible news and very sorry to see Tonka involved in an altercation. Glad you're okay less for the stiff neck.

If you need any assistance with the PDC sensor holes then you know I have the 23mm punch tool that I used on OEMs rear bumper a couple of years ago. Happy to help but know geography is at play here.

Kind regards,

Tom
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Cheers Tom.

Admiral (my insurers) are playing silly b***era so right now my primary focus is on ensuring I keep my car and they don’t cancel my policy as they’ve deemed it a total loss without even speaking to me apparently 😡

Speak soon
 
Hi Erling. I hope you get the outcome you wish from this incident. FYI I have the "clubs" cutter - it is for 17mm holes for the Cobra sensors. It was donated kindly by @Kleynie. My bodyshop said it was a good cutter. Ready to pass it on when needed with the wish that the recipient will in due course pass it on again.
 
What is coming across loud and clear in this thread is that our insurers will total loss our cars for a few scratches. I'm sure part of the problem is many parts are obsolete so they can't repair to OEM standards.
I've already mentioned don't let them take the car and haggle. If you are not an occasional user with a garage agreed value is not an option. The last option is accident avoidance. This probably deserves a separate thread but look into IAM (Institute of Advanced Motorists) driver training. They do teach you how to stay out of trouble.
Little Dog's windscreen:

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It does make a difference.
 
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philward said:
What is coming across loud and clear in this thread is that our insurers will total loss our cars for a few scratches. I'm sure part of the problem is many parts are obsolete so they can't repair to OEM standards.
I've already mentioned don't let them take the car and haggle. If you are not an occasional user with a garage agreed value is not an option. The last option is accident avoidance. This probably deserves a separate thread but look into IAM (Institute of Advanced Motorists) driver training. They do teach you how to stay out of trouble.
Little Dog's windscreen:

View attachment 103587

It does make a difference.
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They made it clear they deemed it a total loss absolutely down to age. Having now spoken to someone, I could have probably not had the car categorised if it had been really important to me, but I’m not that bothered as I’ll never sell the car anyway.

Agree with your point though. Any accident in any A2 is highly likely to result in a total loss so the best route is to avoid the accident.
 
@Erlingtheyounger - hopefully you will get the value of your car settled without any hiccups, these insurance companies don't give a damn now but it might be worth considering the specialist approach with an agreed value like RZX suggested :/

I don't drive my A2 as much due to the wife not being able to drive the monster bus (Seat Alhambra) To be fair, it is a little heavy on the diesel but the DSG makes it a nice relaxing drive, also, if she had been driving the Alhambra it would be totally wrecked by now, my wife seems to be a magnet for car disasters :(

Happy Driving :)
 
philward said:
What is coming across loud and clear in this thread is that our insurers will total loss our cars for a few scratches. I'm sure part of the problem is many parts are obsolete so they can't repair to OEM standards.
I've already mentioned don't let them take the car and haggle. If you are not an occasional user with a garage agreed value is not an option. The last option is accident avoidance. This probably deserves a separate thread but look into IAM (Institute of Advanced Motorists) driver training. They do teach you how to stay out of trouble.
Little Dog's windscreen:

View attachment 103587

It does make a difference.
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And it's worth mentioning that the Police no longer refer to RTAs (Road Traffic Accidents); RTC i.e. Collision is the description nowadays. Almost all are avoidable even if only one of the drivers involved is concentrating, observing and anticipating what's going on around them and driving accordingly.
 
Jeff Sutcliffe said:
And it's worth mentioning that the Police no longer refer to RTAs (Road Traffic Accidents); RTC i.e. Collision is the description nowadays. Almost all are avoidable even if only one of the drivers involved is concentrating, observing and anticipating what's going on around them and driving accordingly.
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Yep. But for me anticipating the actions of the oncoming vehicle I fear that I wouldn’t have been here to be typing about it. Sadly not much I could do about the assault from the rear that followed though.
 
Erlingtheyounger said:
Yep. But for me anticipating the actions of the oncoming vehicle I fear that I wouldn’t have been here to be typing about it. Sadly not much I could do about the assault from the rear that followed though.
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At the time when I read your post regarding the collision I did wonder why, once you'd seen the oncoming reckless driver, rather than 'beginning to slow' at that point, you didn't begin braking increasingly heavily so that you had enough distance to stop fully without recourse to an emergency stop. Surely if you'd slowed more decisively, the following driver would have realised what was happening and braked earlier too.

Anyway, I'm happy to know that you didn't suffer any injury and that your A2 will live on.
 
Jeff Sutcliffe said:
At the time when I read your post regarding the collision I did wonder why, once you'd seen the oncoming reckless driver, rather than 'beginning to slow' at that point, you didn't begin braking increasingly heavily so that you had enough distance to stop fully without recourse to an emergency stop. Surely if you'd slowed more decisively, the following driver would have realised what was happening and braked earlier too.

Anyway, I'm happy to know that you didn't suffer any injury and that your A2 will live on.
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As am I.

Having reflected on the incident rather a lot over recent days, I’m content that the action I took prevented something far worse from happening than otherwise could have,

Had I done something different, could a collision have been avoided altogether? Of course it’s a possibility. As is the fact that had I braked harder earlier, the car behind may have hit me harder knocking me into the path of oncoming vehicles.

We’ll never know the answer, but the outcome was better than it could have been but worse than I’d have liked.

Probably best parked there.
 
Very happy outcome on my accident today. I finally got a call from the engineer on behalf of the insurance company.

Thoroughly decent chap, interested in the damage done and said from the get go that me was keen to assist in ensuring the car wasn’t classified and that it wasn’t recorded as a total loss.

Long story short, I’m getting £1200 from them in full and final settlement, no marker on the car and the policy will continue. He also told me that despite the mileage being 214,000 the valuation was actually £2300 which I was amazed at.

Naturally I’d rather not have had the accident, but it had worked out better than I’d feared.
 
That's excellent news Erling. Should cover at least your expenses in the body/paintshop for fixing the rear bumper, if not the entire Votex respray you'd planned. Is this your insurer or the other party's insurer that's paying you? Any effect on your NCB?
 
Proghound said:
That's excellent news Erling. Should cover at least your expenses in the body/paintshop for fixing the rear bumper, if not the entire Votex respray you'd planned. Is this your insurer or the other party's insurer that's paying you? Any effect on your NCB?
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It’ll be my insurer paying me initially then, them being made whole by the insurer of the chap who hit me. No effect on my NCB fortunately 😊
 
That's a pretty decent outcome Erling and good to see that there are still some out there who don't just tick a box to write off as the easy option.

As Ian has said, time for that colour change to the bodywork perhaps :)
 
A2Steve said:
That's a pretty decent outcome Erling and good to see that there are still some out there who don't just tick a box to write off as the easy option.

As Ian has said, time for that colour change to the bodywork perhaps :)
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Yep, very chuffed. That’s definitely on the cards for 2023 post the MOT in April.
 
Evening Erling,

As those before me say, that’s very reasonable outcome as so many A2s have been taken off of the road for less.

Glad Tonka will be hanging around as it’s a cracking vehicle.

Kind regards,

Tom
 
Erling that really is the best possible outcome both for you and for Tonka. When you think about it YOU have done the insurance company a favour as there is no need for a courtesy car now while your car is being repaired. Working on the average repair times of 3-4 weeks and hire car cost of at least £300 a week they have effectively given you what one of the insurance companies would have had to pay for the hire car or courtesy car. I know these vehicles are in very short supply and repairs are scheduled around the availability of these cars. Enterprise was one of the largest supplies for accident repair courtesy cars and many Enterprise branches sold off much of their fleet during Covid and are still not replacing these vehicles.
 
Thanks chaps. Totally agree with you Graham @audifan on this saving the insurance company money. I find the way insurance companies deal with these things completely bonkers and the chap I spoke with today was comparatively a breath of fresh air!

Thanks @2work just need to crack on and fulfil the vision now! 😊
 
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