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Car written off while parked

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  • 15-12-2008 2:52pm
    #1
    scubagit
    Closed Accounts Posts: 99 ✭✭


    So I parked my car (03 Renault Laguna expression) outside my friends house the other day and while inside the house there's a knock at the door and this nice eastern european lady is outside quite shken saying "I crash into car".
    I go outside and her yaris is buried into my Laguna and she has shunted it into a car parked behind it.
    Damage to my car.
    FRont Bumper smashed
    Passenger side wing smashed
    Headlight smashed
    2 x smashed hubcaps
    RR bumper knackered
    spare wheel well buckled inside.

    Garage reckon it could be a write off. So I haver a couple of questions

    1. Can anyone tell me the book price of this car and 2. Is this all I can expect to get from the ins co?

    I mean why should I be out of pocket because someone can't drive in a straight line?? If I only get the book price then chances are I'll have to put money I have not got towards replacing it.


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    #2
    Alanstrainor
    Registered Users Posts: 23,157 ✭✭✭✭Alanstrainor


    You can't be put in a better position than you were in before the accident, the purpose of insurance is to put you in the same position you were in before the claim, there are exceptions, but for motor insurance this applies.
    So you can expect to get what the car was worth, not more.


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    #3
    Anan1
    Registered Users Posts: 22,815 ✭✭✭✭Anan1


    You should get the market value of the car, in other words enough to buy another similar one. You can also claim for rental of a replacement car for a certain period.


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    #4
    Drummerboy08
    Closed Accounts Posts: 12,102 ✭✭✭✭Drummerboy08


    Engine size and exact model?

    A 1.6 Authentique with 57k miles on it has a book value of about 5k.
    A 1.9d Authentique with 57k miles on it has a book value of about 6k.

    I dont know what your insurance company works off tho, so this figure might not be accurate.

    I thinks thats all you will get for it...


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    #5
    Gurgle
    Closed Accounts Posts: 5,064 ✭✭✭Gurgle


    scubagit wrote: »
    I mean why should I be out of pocket because someone can't drive in a straight line?? If I only get the book price then chances are I'll have to put money I have not got towards replacing it.

    You are in a better position - you'll replace the car with an identical one for a lot less than the book value these days.


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    #6
    Del2005
    Registered Users Posts: 18,992 ✭✭✭✭Del2005


    Gurgle wrote: »
    You are in a better position - you'll replace the car with an identical one for a lot less than the book value these days.

    Not necessarily, the OP had a car that was driving and giving no issues. They could buy a lemon for the next car, even the best can get caught out, that could cost a fortune to fix.


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    #7
    JJJJNR
    Closed Accounts Posts: 4,791 ✭✭✭JJJJNR


    OP get yourself a banger for the time being, loads on adverts.ie they will take a long time. was in the same situation this time last year (this week last year) and wasnt sorted till feb..


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    #8
    Glenman
    Registered Users Posts: 976 ✭✭✭Glenman


    Hi all, I have a query along the same line. My car was written off in an accident recently, the other driver admitted liability and her insurance will have to pay up. It was a 97 polo which was insured for 1500. Will I get the price she was insured for or just the market value which would be less than that I imagine?
    What is the max period for which I can claim for a hired car?
    Can I claim for a day lost at work?
    Do I just have to provide all receipts & invoices to the insurance company? They have not send out an invertigator yet to look at my car. How long does it take until I get the money?


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    #9
    Carawaystick
    Registered Users Posts: 8,779 ✭✭✭Carawaystick


    Was the yaris registered here? with Irish insurance?


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    #10
    felim
    Closed Accounts Posts: 157 ✭✭felim


    scubagit wrote: »
    her yaris is buried into my Laguna

    Sorry for your troubles man, but that line made me laugh for some reason.


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    #11
    slimjimmc
    Registered Users Posts: 7,786 ✭✭✭slimjimmc


    Glenman wrote: »
    Hi all, I have a query along the same line. My car was written off in an accident recently, the other driver admitted liability and her insurance will have to pay up. It was a 97 polo which was insured for 1500. Will I get the price she was insured for or just the market value which would be less than that I imagine?

    You'll get what's known as the book value which is basically the cost of the car minus the profit a dealer would expect to make on it. If the insured value is lower you'll get that instead.

    Glenman wrote: »
    What is the max period for which I can claim for a hired car?
    Your policy booklet will tell you, can be anything up to 2 weeks.
    Glenman wrote: »
    Can I claim for a day lost at work?
    Usually, unless you don't need the car to get there.
    Glenman wrote: »
    Do I just have to provide all receipts & invoices to the insurance company? They have not send out an invertigator yet to look at my car. How long does it take until I get the money?
    Definitely!, keep absolutely everything and make a note of any phone calls or conversations.

    Don't do anything with the car unless you get approval in writing from your insurance. Don't know about the other Q's but I assume they'll send an assessor to confirm the claim.


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    #12
    Fishtits
    Closed Accounts Posts: 1,382 ✭✭✭Fishtits


    "You'll get what's known as the book value which is basically the cost of the car minus the profit a dealer would expect to make on it. If the insured value is lower you'll get that instead."

    "You can't be put in a better position than you were in before the accident, the purpose of insurance is to put you in the same position you were in before the claim,"

    The above statements are mutually exclusive...

    Its time the insurance industry was given a good shafting IMHO.

    Unless you have a three month old car, total loss payout following an accident always results in you being out of pocket.

    Insurance companies are, and always have been, a ripoff. They're always moaning about loosing money but when did the last one go bust?

    Harney shook them up a while ago but more needs to be done.

    Thieving cnuts.


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    #13
    Anan1
    Registered Users Posts: 22,815 ✭✭✭✭Anan1


    Fishtits wrote: »
    "Unless you have a three month old car, total loss payout following an accident always results in you being out of pocket.

    Insurance companies are, and always have been, a ripoff. They're always moaning about loosing money but when did the last one go bust?

    Harney shook them up a while ago but more needs to be done.

    Thieving cnuts.
    Not always. I got €10,200 for a 2001 Subaru Forester S turbo auto in May, car had 85,000 miles and was in good (but not fantastic) condition. Even at the time, that was top dollar.


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