Lagoo Posted January 10, 2005 Report Share Posted January 10, 2005 Boys and Girls, i hope you can help a good friend of mine and give some advice with regard to the below... [ QUOTE ] I had an accident in a showroom condition 1989 BMW 635CSi a couple of weeks ago (see below) Basically the other party pulled out in front of me - and I am having problems with the insurance company, their assessor and the salvage company and would appreciate any advice/ guidance you guys can give My insurance company's assessor has evaluated the damage to be Category B write-off i.e. ''A vehicle damaged beyond economical repair that cannot be safely repaired. An end of life type vehicle that may be used as a donor for "Ringing" should it not be broken and the shell crushed.'' I have done my own bit of research about the repair costs and they are right - it is beyond economical repair i.e. the value of the car the parts in themselves will cost about £3.5k from BMW However, the bit I disagree with is the fact that it cannot be ''safely repaired'' and that it is basically a death trap to anyone who gets in it which is what the assessor is saying (which I find hard to believe as I drove it for about 15 miles after the accident without any problems). I have arranged for a couple of companies to inspect the post-accident damage and particularly comment on the insurance company's assessors opinion that it is in such bad technical condition i.e. the chassis is twisted (which from looking at the pic you can see that the wheel/ tyre wasn't even scratched). I am fully confident that they will come back with a report that says ''Yes the car is beyond economical repair but is not so badly damaged that it is a death trap'' As of this morning I have received a cheque from the insurance company amounting to their opinion of the value of the vehicle which is a bit odd as I haven't even been contacted by the insurance company since the accident, with the exception of the assessor calling me to give his opinion to which I replied that I would speak to my appointed Claims Assistant. I have also been told by one of the inspectors that he has been advised that the vehicle may already be in the hands of the salvage people (!!!!!!!!) and therefore possibly unavailable for inspection. Some points to consider at this point are that I have NOT agreed to any such course of action, NOR have I handed over/ signed the V5 to any such affect NOR have I cashed (or even opened the envelope containing) the cheque from the insurance company. Personally, I get the feeling that the insurance company's assessor and the salvage people are figuratively in bed together, the assessor has written off the car as Cat B, the salvage guy knows he can repair it with some patience and second hand parts and he gets my pride and joy whilst I get a lousy cheque from my insurance company. Because the car has been in my family for ages my ideal solution would be to retrieve the car from the insurance company and fix it at my own expense (OK, not a cheap exercise but when you care about something it's worth it) and tell the insurance company to go and poke their Cat B write off Can anyone comment on my position and, if the situation is as I suspect, what I can do before I see my P&J being driven around the M25 with a smiling salvage guy driving it Many thanks in advance [/ QUOTE ] Oh and a reminder of what was such a cracking car.... Link to comment Share on other sites More sharing options...
Insurance Jon Posted January 10, 2005 Report Share Posted January 10, 2005 get him to ring me! 01924 895568 Link to comment Share on other sites More sharing options...
Calm Chris Posted January 10, 2005 Report Share Posted January 10, 2005 Nice one Jon, your obviously a real 'Gent' Link to comment Share on other sites More sharing options...
Lagoo Posted January 10, 2005 Author Report Share Posted January 10, 2005 [ QUOTE ] get him to ring me! 01924 895568 [/ QUOTE ] Jon you are indeeed a gent! I have passed on your number and he will give you a ring in the next couple of hours!! Isnt TSn great for this kind of stuff! Link to comment Share on other sites More sharing options...
cruiser647 Posted January 10, 2005 Report Share Posted January 10, 2005 What a lovely BMW. One of the nicest shapes they did. That 6, the Batmobiles and the last generation 7 series. All classy and very svelte! Hope your man gets to keep it and drive it again! Link to comment Share on other sites More sharing options...
Ian_C Posted January 10, 2005 Report Share Posted January 10, 2005 That is digusting service from his insurers. For them to write it off straight away and just pass it straight to salvage without even telling him is just plain wrong. Guess the insurance 'settlement' is a joke figure. Hope all gets sorted and either the insurance company repair it properly at a BMW [approved] bodyshop or he just collects it, cancels his policy and repairs it himself! Ian C Link to comment Share on other sites More sharing options...
Guest PeterPiper Posted January 10, 2005 Report Share Posted January 10, 2005 Erm, had this problem several years ago when a well known Insurance Company 'decided' a client's vehicle was a write off and it went through a crusher before they had made him an offer etc etc. Remember, it is your vehicle, and they cannot decide upon it's fate - only you can. I feel a court case coming on, however Insurance Jon will probably sort it for you. I will watch with great interest. Link to comment Share on other sites More sharing options...
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