News0 min ago
insurance query
I had an accident, I ran into the back of another guys car. So I called my insurance and they told me that I should take it to get a quote. Which i did, the bumper is dented and one of the head lights are cracked. So they now say that it is a total loss - but i have gotten my own quotes of between 300 and 500 to fix it and pass it's MOT which expires next week. Can I tell the insurance to forget it and fix the car myself, or would this cause allot of problems with the DVLA and VOSA, my car is in perfect order no engine damage at all and it has been fully serviced about 6 months ago, new brakes. It is a 1997 Toyota Corrolla 5 door auto hatchback.
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A cracked headlight should cost very little to replace. (I had a Mondeo headlight lens blasted out by a stone about a year ago. It cost me a tenner for a replacement headlamp from a breaker's yard, and about the same again for my local garage to fit it). Similarly, a replacement bumper (from a breaker's yard) shouldn't cost much. I'd expect to get the whole lot done for about fifty or sixty quid.
Chris
A cracked headlight should cost very little to replace. (I had a Mondeo headlight lens blasted out by a stone about a year ago. It cost me a tenner for a replacement headlamp from a breaker's yard, and about the same again for my local garage to fit it). Similarly, a replacement bumper (from a breaker's yard) shouldn't cost much. I'd expect to get the whole lot done for about fifty or sixty quid.
Chris
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Just to add,more than likely you may know but anyway, should AB members have cracked Bumpers / headlights/ any thing to do with your mechanics, DO NOT PANIC there are sites on here that will help you & del at a small cost, Eg/ Colour coded Bumper / Mirror, do jump for the easy option the dealers they will rip you off all it takes is a few phone calls to you local scrap yards if no joy, there is many many sites on the web that are UK based, for one, 247 car spares it does not matter what car it is also 4X4s, type in your details, make of car, CC ? (1000 cc 0 1400 CC Ect, A lot of people do not know these terms that's why I have put the CC in, You can save your self Hundreds of pound I know, I have been around cars like many on here & used scrap parts, the only thing to watch if you bye a replacement Engine, get a Warranty often this is 3months that gives you time to replace the engine and DO CHANGE THE BELT/ & check the chain, get the new unit compression tested for piece of mind, I hope this bit of Info might help someone.
Scrapyards seem to be disappearing these days, but there are some good websites that do the same job. Put your details and the part you need in and sit back while all the breakers contact you with their prices. Pick the cheapest one and hey presto!
I've used www.partsgateway.co.uk a few times with no problems
I've used www.partsgateway.co.uk a few times with no problems
Obviously we have no idea what the exact value of the car is - if it's of low value, then roadworthiness doesn't come into it sadly, it's purely economics. Lokoing at the guides, it's anywhere between �200 and �1000 dependent on the exact model.
If the car is declared a total loss, the it will be entered onto MIAFTR - I would suspect as either a Category C or D (it won't be an A or B).
if it's D, don;t worry about it, but if it's a C, this means that the DVLA will already be aware (as will VOSA), and you enter VIC (Vehicle Identity Check) territory - not a massive deal, but a bit of a pain in the backside - best read about it on the internet. More issues with not getting tax reminders of new documents than anything else.
You can tell your insurer to forget about it, but we have an obligation to update MIAFTR when we're made aware a vehicle is a total loss regardless of whether you claim or not.
If the car is declared a total loss, the it will be entered onto MIAFTR - I would suspect as either a Category C or D (it won't be an A or B).
if it's D, don;t worry about it, but if it's a C, this means that the DVLA will already be aware (as will VOSA), and you enter VIC (Vehicle Identity Check) territory - not a massive deal, but a bit of a pain in the backside - best read about it on the internet. More issues with not getting tax reminders of new documents than anything else.
You can tell your insurer to forget about it, but we have an obligation to update MIAFTR when we're made aware a vehicle is a total loss regardless of whether you claim or not.