Hi Everyone.
As mentioned on the epic Emp wants to buy a car thread someone decided on Friday to pull out of a driveway without looking and drive straight into the side of my wife's car as she was passing. They've admitted liability.
It's going into the assessors today and as much as we'd like it to be repaired i'm fully prepared for the conclusion to be that it's going to cost too much to repair and the car will be a total loss. Minimum will be new door, new wear wing, new trim - and that's before they discover if there's anything underneath that's gone bad.
I've not been in this position before and as i understand i will be offered a value for the car. The first offer is going to be really low but i want the full market value of the car.
The car isn't hugely expensive in car terms. It's a 2006 Mini Cooper Convertible, however we only bought it 5 weeks ago. Given her rubbish year (father dying, fertility issues) I bought her the car to cheer her up and it really worked. Quite simply it brought a smile to her face that's been missing for 6 months. To some the car may only be pocket money but for us it was a lot of money (i'd even sold my Gibson to fund it).
The car was in wonderful condition, i'd given it a full and proper service at a garage only 4 weeks ago plus two new tyres.
So assuming someone on here will have been in a similar position whereby their car was written off what's the chances of us getting a decent amount of money back to source a similar vehicle? They're probably going to offer me £300 on a car that really would cost £2k to replace.
Any advice would be welcomed
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Does your wife's insurance include a hire car, if so their offer may say you lose the car if you reject the offer.
(this is what GAP insurance is for)
Fingers crossed you never know.
I was ready to argue then they offered about twice what i was expecting, then i still got a bit more out of them. Don't be a dick about it (not suggesting you would but people have different ideas of how to negotiate.. ), you can have a reasonable conversation with them and they will up the offer.
Incidentally i got over double what a dealer previously offered me in PX.
Rift Amplification
Brackley, Northamptonshire
www.riftamps.co.uk
I argued about service history, new exhaust, new battery . . . They increased the offer to £1100. I have used GAP ever since.
Good luck.