Car likely written off

ScottulusMaximus said:
1. Select the "Accident, Emergency and Breakdown Roadside Assist" option from your insurer
2. Get in an accident
3. Phone the emergency number and they'll take you home and your car wherever
4. Report incident at police station within 24hrs(if there's no injuries, otherwise you have to wait for the police unless you're the one being taken to hospital)
5. I'll let you know what happens!
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Quick question - you have their number saved, or did you look it up online or something on your phone?
 
Sepeng said:
Quick question - you have their number saved, or did you look it up online or something on your phone?
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Saved on phone but usually if you select the roadside assist option you get a "Do Not Tow" sticker to stop unauthorized companies towing while you're unconscious on the side of the road, this has the emergency number on as well.
 
Sorry to hear about the accident ...

The below are the steps I follow in case of an incident.
And the reason I will never move even if I get promised discounts or no claim bonuses......

1. Call broker, report accident.
2. Go to police, get number.
3. Send number to broker.
4. Pick up rental car/have it delivered next day.
5. Wait for them to do whatever they decide upon.

Another thing, go and see a doctor about your neck.
Have it on record that you are doing it because of this accident.
 
Sepeng said:
Quick question - you have their number saved, or did you look it up online or something on your phone?
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It's very good idea to add some notes to your "My Contact" on your phone or that of your insurance company's.

Have their Emergency Number (not just the office number) and your policy number etc saved there.

Even better is save the car registration details too, you never know those numberplates might be broken or gone when you need to call them.

When in a crash TAKE PHOTOS of everything. Their car, their license and/or ID, your car, the road markings...everything.
 
An assessor is coming over tomorrow afternoon to look at my car. Hopefully it's not a write-off.
 
Seems most modern cars will be a write of in a major acident :(
 
Sinbad said:
Sorry man

Hope the payout is enough that you're in a decent position going forward
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Thanks, I've got all the documentation to fight if they want to be dicks, hoping it won't be necessary though.

ToxicBunny said:
That seriously sucks...
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Ya it kinda does, I really liked my car

Bryn said:
An assessor is coming over tomorrow afternoon to look at my car. Hopefully it's not a write-off.
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Cross fingers for you!

thehuman said:
Seems most modern cars will be a write of in a major acident :(
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The woman hit me at one hell of a speed, this wasn't a bump... Once it's finalized I'll put pics up and you can see, both back side panels are bent and the roof popped up as well, I never got under the car but I presume the chassis is bent to hell.
 
Sorry to hear bud,

Do yourself a favour and get checked out by the doc ASAP. Make sure you get xrayed. When I was 12 we were waiting at a red light and got nailed from behind by a drunken truck driver. Our car ended up on the other side of the intersection. The truck company claimed it was on a public holiday so they're not liable for their driver driving their truck.

My back has been farked ever since, but because I felt ok just whiplashed I never got checked out.
 
Pitbull said:
1 and 2 not your problem.

That is what you have insurance far. Chill, have a beer and start shopping for a new vehicle so long.
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^^^ This.

Enjoy the beer and let the Insurance company worry about the niggly bits.
 
Step 6: get low balled by insurance spectacularly at about 60% of what a "like for like" replacement would cost(insured at retail)
 
ScottulusMaximus said:
Step 6: get low balled by insurance spectacularly at about 60% of what a "like for like" replacement would cost(insured at retail)
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how the hell do they justify that?

Tell them to find the like for like replacement at the price they're offering!
 
Sinbad said:
how the hell do they justify that?

Tell them to find the like for like replacement at the price they're offering!
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They don't justify it, they hit you low because they know everyone will argue and then their counter-offer makes you feel like you've won and you accept it.
 
ScottulusMaximus said:
They don't justify it, they hit you low because they know everyone will argue and then their counter-offer makes you feel like you've won and you accept it.
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I wouldn't accept a counter offer either.

It was insured at Retail, the best "discount" I would accept is Trade or Book value... nothing below that.

Its actually the reason I need to move my insurance to a different company, current one refuses to insure my vehicle for its replacement value, instead they use the trade value which is a good R40k lower than what I could buy a similar vehicle for.
 
Does the retail value in M&M tie in with what the real retail value of the car is?

I feel that M&M is manipulated somehow - the values in the "book" are nowhere near reality. Witness my car that had a book value of something like R120k when sales recorded were somewhere around the R200k mark.
 
ToxicBunny said:
Tell the insurance to fsck off.

What car was it exactly out of interest?
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Haha I did, but politely, for now...

Just a 2005 Fiesta, nothing exciting

ToxicBunny said:
I wouldn't accept a counter offer either.

It was insured at Retail, the best "discount" I would accept is Trade or Book value... nothing below that.
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I know exactly how much I'll accept and won't go a cent lower, even if I have to take it further, borrowing a car so this can take all the time it needs to.

Sinbad said:
Does the retail value in M&M tie in with what the real retail value of the car is?

I feel that M&M is manipulated somehow - the values in the "book" are nowhere near reality. Witness my car that had a book value of something like R120k when sales recorded were somewhere around the R200k mark.
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Market and Trade are lower values than Retail, it's basically this:

Trade: what a dealer will give you if you're trading the vehicle in
Market: what the dealer pays at the bulk distributor
Retail: what you would pay at a dealers

M&M is nowhere near reality, a car with similar mileage and age to mine was but a spec lower is R20 000 more than what they offered me(and we're talking 60-70 grand cars here not in the 100's).
 
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