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Car insurance claim question

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  • 12-03-2008 7:37pm
    #1
    robo
    Registered Users Posts: 2,807 ✭✭✭


    A friend of mine was involved in a collision, where the other driver was at fault - they ran into the back of his car, and have admitted fault. So they have started to work with her (driver at fault) insurance company about fixing his car. It is a big job at the back of his car. He rang a few places for a quote to get it fixed and was asked if he wanted it repaired or the panel replaced.

    There is a significant price difference in each, the replace body parts job is approximately €2000 and the repair body parts job is half the price.
    What he is wondering if he goes with a replace job, then the price is almost the same price of the car (car was bought for €2500), so would the insurance company then say that the car is a write off, as the cost of it? What is the difference and how does the insurance company pay out on a write off rather than a repair job?

    To me this sounds like a garage hears that the insurance company is paying out so they offer the person an option that is more expensive. I would go with the repair job IF it was just as good as the replacement of parts.


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    #2
    Barr
    Registered Users Posts: 7,010 ✭✭✭Barr


    Just ask the persons whoes liable there insurance details.Phone them up and they will sent out an assessor to see if its economic to repair or not.

    Chances are if the damage is extensive they will write it off and issue a cheque minus any salvage the car is worth


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    #3
    Del2005
    Registered Users Posts: 18,990 ✭✭✭✭Del2005


    If the quote is coming in at €2000 and the car only cost €2500 them more then likely the insurance company will write the car off, as Barr said. Only thing is that it'll take a lot of work to get the €2500- (scrap value) off them as they will only give book value and your friend will have to argue to get more.

    For your friend send in the €2000 quote and the insuance company will call it a write off, they'd more then likely still do it for the €1000 quote. When they get the cheque from the insurance they can then get whichever repair they want done or sell the car for scrap and buy something else.

    One thing to note, if there is major structural damage getting the car fixed on the cheep may not be a smart idea. And an old car with a major repair might be hard to sell on if they aren't planning on driving it into the ground.


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