Last week a cyclist tried to beat my wife across a junction. hit the wing and landed on my windscreen and bonnet . My wife didn't see him when he tried to dash across the giveaway sign. Anyway by all accounts he tumbled over the wing smashed the windscreen and the roof lining came down, The cyclist was taken away for a look at at but was later discharged with minor cut and bruises
After the usual breathalyse the driver not the cyclists routine, the car was taken to impound by the police..
So Admiral call to say the car is at local loss assessor and is a write off due the value of the car outweighing the repair costs, estimated at £6k
I'v had the car 4yrs and admittedly had up and downs with it, but have spent££££'s getting it right
Now i'm lucky if i am looking at market value for the 56 plate, new NOT and Road tax 2 months ago,
So options are apart from taking the cash and running, is i may buy it back at salvage price. and this will offset against the cost of the claim so i hope what i have left can repair it.
Its classed as Cat D so will need a new MOT. Does anyone have any experience of similar s= circumstances. The car has no structural damage more cosmetic. Bonnet a bit of the dash and wing.
28 yrs driving and it my first experience of this.
Pursue the cyclist for your losses. Your insurer should attempt to recover the loss for you but most call centre chimps can barely spell their name so you may need to go direct against the cyclist.
27th Jul 2016 9:06 pm
Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
You say it needs part of the dash. What is wrong with it has the air bag activated. The work involved in taking out the dash swapping everything over and replacing is fairly big job and may be why the quote is so expensive. If the air bag has activated you may need a new air bag ecu as well as it stores the activation and gives fault codes.MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club
28th Jul 2016 7:51 am
rovlecky
Member Since: 07 Aug 2012
Location: Aberdeenshire
Posts: 131
I'v not seen it yet as i'm away on business. but the airbag didn't activate. waiting for some photos from the bodyshop.Why does every page of the manual have fingerprints?
28th Jul 2016 8:58 am
discoteca
Member Since: 08 Mar 2010
Location: Warwickshire
Posts: 1477
I cycle a lot. It amazes me how many cyclists don't even think about liability insurance - always head in the sand, won't ever happen to me mentality. You can get decent cyclist liability insurance for £25 per year. Fortunately I get mine included with my Triathlon England membership/subscription.
28th Jul 2016 9:49 am
rovlecky
Member Since: 07 Aug 2012
Location: Aberdeenshire
Posts: 131
£6K worth of damage, mostly taken up with panel beating and buffing out... oh and that HDC fault wasnt there before either
Why does every page of the manual have fingerprints?
28th Jul 2016 2:35 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73134
No wonder insurance companies get laughed at if they think that's £6k worth of damage. Windscreen should only be the glass excess, the rest I could live with or just get filled. Some of us have picked up more damage than that offroading, apart from the windscreen. They're having a laugh.
28th Jul 2016 3:07 pm
Disco_Mikey
Member Since: 29 May 2007
Location: Dundee, Scotland
Posts: 20857
New windscreen and possibly bonnet. May struggle to repair it properly. Doors can be repairedMy D3 Build Thread
Member Since: 07 Aug 2012
Location: Aberdeenshire
Posts: 131
Just to wind up the thread a bit
6 weeks on no police report finalized, so not in a position to pursue the cyclist for losses at the moment.
Anyway Insurer offered as expected market value for the car . haggled like to get a decent amount for what i deemed reasonable considering mileage, condition , offer was there to buy for salvage and offset the cost against the claim, between time and hassle just took the money an went on hunt for another motor. The laugh is that the payout was exceeding the cost of car repair and they still didn't budge on repaiting it
Lesson learnt
1. Don't accept the first offer of cash from the insurer.
2. Get a policy with hire car option, i would have got one if the cyclist had insurance
3. Ask for the salvage buy back costWhy does every page of the manual have fingerprints?
Take a civil case for damages out against the cyclist......
Has to be worth a try
31st Aug 2016 10:12 am
CGA
Member Since: 03 May 2010
Location: Preferably horrizontal
Posts: 284
As Ali1971 suggested, find out if the cyclist had home insurance as it usually contains third party liability. Give the details to your insurance company to recover their costs so you can have your NCD reinstated.
I had a friend some years ago who ran a pedestrian over when riding his motorcycle (she walked out in front of him). He successfully claimed personal injury and vehicle repairs from her home insurance. If you had out of pocket expenses, car hire for example, you may get that back as well.CGA
31st Aug 2016 1:48 pm
DrRobH
Member Since: 10 Oct 2015
Location: Hampshire
Posts: 927
NJSSAm I Gammon or Woke ? - I neither know nor care.
2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t.
You cannot post new topics in this forum You cannot reply to topics in this forum You cannot edit your posts in this forum You cannot delete your posts in this forum You cannot vote in polls in this forum
s= circumstances. The car has no structural damage more cosmetic. Bonnet a bit of the dash and wing.
oh and that HDC fault wasnt there before either 
. haggled like 
, offer was there to buy for salvage and offset the cost against the claim, between time and hassle just took the money an went on hunt for another motor. The laugh is that the payout was exceeding the cost of car repair and they still didn't budge on repaiting it 
