SAPFO 1 Posted May 23, 2018 Wrote my car/taxi off last week. Skoda Super Estate Elegance spec. Heated F&R etc.. 60 plate. 108k on clock. Paid 7k retail in Sept. Firstly, I didn't think damage was that bad, and I wanted to buy it back, however, they reckon their engineer says it's a Cat S, and that I cannot buy it back, and that is in my policy. The day after the crash they had CoPart collect it, which got my whiskers twitching. Anyway, they have offered me £5600. They say this is 'mid book', and my policy is a 'mid book' one. What do you reckon? I did say no, and they 'say' they are sending a 2nd engineer. remember, its a taxi policy, but not done many miles on it. No better place to ask than car dealers, so thanks in advance, I appreciate your time to help. I'll post a pic Share this post Link to post Share on other sites
AutoJacob 34 Posted May 23, 2018 Was the accident your fault? It does make a difference in terms of your options and getting the most back. 1 Share this post Link to post Share on other sites
SAPFO 1 Posted May 23, 2018 (edited) Yes it was. Blind junction I was edging out of. Pics https://ibb.co/mNpg6Thttps://ibb.co/cvXq0ohttps://ibb.co/kyn16T Edited May 23, 2018 by SAPFO Share this post Link to post Share on other sites
Arfur Dealy 823 Posted May 23, 2018 Grab it and run.... 2 Share this post Link to post Share on other sites
It's me 615 Posted May 23, 2018 if copart have it then they have you your policy will usually say that in a claim where you are at fault you lose all rights to the salvage,only sign if you wish to be bound to these terms this is why copart is so busy keep negotiating 1 Share this post Link to post Share on other sites
SAPFO 1 Posted May 23, 2018 I've learned a valuable lesson I tell you. They could probably make what they are paying me stripping my car. So them telling me it's a "mid-book" policy is just them trying to bend me over? Do you think they will send a 2nd engineer, or just blagging? Share this post Link to post Share on other sites
AutoJacob 34 Posted May 23, 2018 You may struggle getting taxi insurance after an At Fault accident, might be worth hiring your next one incl insurance. Share this post Link to post Share on other sites
SAPFO 1 Posted May 24, 2018 yes, me and the woman were fine. It was her birthday, and the 2nd birthday in succession someone has hit her. "fair bid?" Not following there mate The excess is 650, they will also take the remaining policy payments, another 600, so they really are trying to pay me as little as possible. Share this post Link to post Share on other sites
AutoJacob 34 Posted May 24, 2018 1 hour ago, SAPFO said: yes, me and the woman were fine. It was her birthday, and the 2nd birthday in succession someone has hit her. "fair bid?" Not following there mate The excess is 650, they will also take the remaining policy payments, another 600, so they really are trying to pay me as little as possible. Ok, what you do here is ask for the car back from Copart (Either directly or via your insurer), appoint an independent assessor and then have them value your vehicle. Beware though the assessors valuation is final and it can even be less than less than the current offer, although unlikely. 1 Share this post Link to post Share on other sites
metcars 397 Posted May 25, 2018 On 24 May 2018 at 7:38 AM, tradex said: At least you walked away from it. That will described at the Salvage auction as 'very light hit, easy repair'....looks like a fairly light prang but I'd expect there's a lot of hidden damage, seems the whole front end clip has shifted over? Probably a fair bid? +1 bent as a banana. Has OP considered that he could be buying back a heap of trouble! 1 Share this post Link to post Share on other sites
Area 51 33 Posted May 25, 2018 10 minutes ago, met said: +1 bent as a banana. Has OP considered that he could be buying back a heap of trouble! I would agree here, when it comes time for renewal of the taxi plate, will the not be more sensitive over the use of a damaged vehicle for the carriage of the public etc? Share this post Link to post Share on other sites
metcars 397 Posted May 25, 2018 6 minutes ago, Area 51 said: I would agree here, when it comes time for renewal of the taxi plate, will the not be more sensitive over the use of a damaged vehicle for the carriage of the public etc? Perhaps, but just because he 'can' buy the car back doesn't mean he 'should'. OP has to consider that, what looks on the face if it a cheap fix with some panels, could be far more complex if the frame needs a pull. It will never drive in a straight line, have odd dangerous handling and run through a set of tyres once a month! 1 Share this post Link to post Share on other sites
SAPFO 1 Posted June 3, 2018 Sorry one not replied, school hols kept me busy. So I had a chat about the £5600 valuation, they were insistent on telling me it's a "mid-book" policy and a fair offer. I told them as advised above I wanted to appoint my indepedent engineer. They said they'd find out, and get back to me. They filed a complaint, and I was passed onto someone else. Call centre bot #2 rings, giving me the same blurb as the last one, not mentioning what I'd previously requested about appointing my own engineer. The offer this time was £6037. I told them I still own the car, and would like access to it to have to assessed myself. He said it had been looked over twice as was their legal requirement apparently if I complained, I then requested the 2 engineers reports. He had to admit that there was only one report done. The report came 2 days later (today), and had the wrong angle of impact. They had it as head on, where it was actually glancing. The report also stated it was assessed with only pictures provided by the salvage company CoPart, who by the way, have offered the insurance £859 for it. The email with the engineer report also came with an increased offer of £6308. Time to settle you think? Share this post Link to post Share on other sites
trade vet 701 Posted June 3, 2018 5 minutes ago, SAPFO said: Sorry one not replied, school hols kept me busy. So I had a chat about the £5600 valuation, they were insistent on telling me it's a "mid-book" policy and a fair offer. I told them as advised above I wanted to appoint my indepedent engineer. They said they'd find out, and get back to me. They filed a complaint, and I was passed onto someone else. Call centre bot #2 rings, giving me the same blurb as the last one, not mentioning what I'd previously requested about appointing my own engineer. The offer this time was £6037. I told them I still own the car, and would like access to it to have to assessed myself. He said it had been looked over twice as was their legal requirement apparently if I complained, I then requested the 2 engineers reports. He had to admit that there was only one report done. The report came 2 days later (today), and had the wrong angle of impact. They had it as head on, where it was actually glancing. The report also stated it was assessed with only pictures provided by the salvage company CoPart, who by the way, have offered the insurance £859 for it. The email with the engineer report also came with an increased offer of £6308. Time to settle you think? Your not kidding.ex taxi undamaged,it’s only worth £4K on a good day. Share this post Link to post Share on other sites
