View Single Post
  #8  
Old 7th May 2019, 03:28 PM
HPsauce HPsauce is offline
Senior Member
 
Join Date: Sep 2011
Location: Chilterns, almost over HS2!
Posts: 8,371
Default

It's always difficult dealing with insurance companies, which you will inevitably have to do, but remember:
1. It was not your fault, so your insurer should have little if any role in deciding what YOU will accept. This is not a "knock for knock" situation.
2. Your claim is against the other driver and probably their insurers will act for him. Your insurers may try to take over and settle your claim but be very wary of allowing that!
3. The so-called "market value" of your car should be irrelevant, your claim against him is to remedy the damage. If your car is special that's his problem, only if it's genuinely impossible to get an equivalent/suitable acceptable repair or replacement do you discuss financial compensation for the write-off of the vehicle.

So, the first thing is to get some genuine assessments of what repairs are possible, assuming you'd like to have the car fixed, properly.

When my old (first) S8 was damaged it was not my fault and I wasn't even there (it was stolen and crashed). The insurers only gave in and got it repaired when they realised it was so unusual that it was impossible to find an equal/equivalent car anywhere, but it was in fact repairable and in a much worse state than yours. How that all worked financially, given the criminal element involved, I don't know. Though I did get courtesy cars for a year, and decent ones too!
__________________
2003 D2 FL S8. Irish Green Pearl/Beige. Solar sunroof, auto-dim mirrors, electric rear seat functions, ski hatch retrofit; extended leather. Aftermarket DVB-T, reversing camera and full XCarlink (Bluetooth etc.).
2016 Volvo V40 T5 Cross Country (4WD) with ALL the toys including adaptive cruise etc. etc. Osmium Grey with Blonde/Charcoal leather interior. Polestar performance "optimisation". (A much rarer model than a D2 S8 by the way!) Oh, and a brand new engine at just under 30,000 miles on the factory one!
Finally: gone, but not forgotten.....
1998 D2 PF S8. AgateGrey/Platinum. Every option (I think) except electric rear seats, tiptronic steering wheel, ski hatch, towbar & dimming door mirrors.
e.g. Cruise control, NavPlus/TV, Bose, GSM, Xenons, Solar roof, Parking sensors, Alcantara/leather everywhere of course. (internal dimming mirror added later)
1998 (very early) Ford Focus 1.8 Zetec; ABS/TCS, Heated screen/mirrors, Aircon, Auto-dim mirror, Leather, Trip computer, Cruise control, OEM Ford SatNav with CD changer.
And before that a lot of Rover 800s, a few oddities, a lovely Triumph Dolomite 1850HL with Overdrive and way back in my schooldays an Austin Seven aka Mini 850!
Reply With Quote