Drive 1st Gear August 14, 2015 Share August 14, 2015 Hi Car was quite badly damaged on the front, with both front airbags deployed. But workshop say frame ok on inspection. And I'm claiming from the other party. Instead of repair, can I be compensated with the similar value of the repair quotes plus scrap value? Car just left 1+ year, and I don't feel comfortable (and safe) driving such a repaired car. Can I approach the other party's insurer and present them such a choice? Or there's no such thing in the first place. Any views? I'd never involved in such accident before so any advice would help Thanks ↡ Advertisement Link to post Share on other sites More sharing options...
Mkl22 Twincharged August 14, 2015 Share August 14, 2015 Yes for sure you can. Link to post Share on other sites More sharing options...
Drive 1st Gear August 14, 2015 Author Share August 14, 2015 Yes for sure you can. Tks much for the reply, so I go approach the other party insurer? Link to post Share on other sites More sharing options...
Kaicar 1st Gear August 14, 2015 Share August 14, 2015 Of cause you can if you claim the other party by hard cash and don't repair... but if claim by the other party insurance you have to report the accident and get your car repair. Link to post Share on other sites More sharing options...
Drive 1st Gear August 14, 2015 Author Share August 14, 2015 Of cause you can if you claim the other party by hard cash and don't repair... but if claim by the other party insurance you have to report the accident and get your car repair. oh thanks. So die die must repair? SInce I'm claiming the other party insurance Link to post Share on other sites More sharing options...
Little_prince Supersonic August 14, 2015 Share August 14, 2015 Hi Car was quite badly damaged on the front, with both front airbags deployed. But workshop say frame ok on inspection. And I'm claiming from the other party. Instead of repair, can I be compensated with the similar value of the repair quotes plus scrap value? Car just left 1+ year, and I don't feel comfortable (and safe) driving such a repaired car. Can I approach the other party's insurer and present them such a choice? Or there's no such thing in the first place. Any views? I'd never involved in such accident before so any advice would help Thanks you wait long long. for 9yr old car. it's either repair or scrap value. not both insurance coy not stupid you know 4 Link to post Share on other sites More sharing options...
Drive 1st Gear August 14, 2015 Author Share August 14, 2015 (edited) you wait long long. for 9yr old car. it's either repair or scrap value. not both insurance coy not stupid you know PArdon my england, I can;t edit already. I meant instead of actual repairing, they compensate the estimated repair costs (not the scrap value)? Either way they still have to foot the costs? or its does work that way? Edited August 14, 2015 by Drive Link to post Share on other sites More sharing options...
Little_prince Supersonic August 14, 2015 Share August 14, 2015 PArdon my england, I can;t edit already. I meant instead of actual repairing, they compensate the estimated repair costs? Either way they still have to foot the costs? or its does work that way? either cost of repair or paper value. whichever is lower or to their benefit Link to post Share on other sites More sharing options...
Drive 1st Gear August 14, 2015 Author Share August 14, 2015 (edited) either cost of repair or paper value. whichever is lower or to their benefit Tks, got it. But I also understand from the workshop, now the insurer is basing on the market value of the car (and not the scarp value unlike last time I understand) to decide to repair or not. I not sure this is true as I just heresay from the workshop. Anyone got heard this before? Edited August 14, 2015 by Drive Link to post Share on other sites More sharing options...
Mockngbrd Supersonic August 14, 2015 Share August 14, 2015 this sort of thing u tok to your workshop better Link to post Share on other sites More sharing options...
Deckbuild 6th Gear August 14, 2015 Share August 14, 2015 PArdon my england, I can;t edit already. I meant instead of actual repairing, they compensate the estimated repair costs (not the scrap value)? Either way they still have to foot the costs? or its does work that way? I believe they will only pay out for injury claims and lost of use. My suggestion is if you wanna get some cash out of it, just repair and claim the lost of use in terms of cash instead of getting a replacement car. Link to post Share on other sites More sharing options...
Drive 1st Gear August 14, 2015 Author Share August 14, 2015 this sort of thing u tok to your workshop better The workshop would want to repair, then they can earn if I understand correctly Link to post Share on other sites More sharing options...
Kaicar 1st Gear August 14, 2015 Share August 14, 2015 oh thanks. So die die must repair? SInce I'm claiming the other party insurance Yes.. you have to repair. Both party have to report the accident to the individual insurance company and the other party insurance company will take pictures of your car before doing any repair.. ( mean no repair no claim) Link to post Share on other sites More sharing options...
Dleodleo Twincharged August 14, 2015 Share August 14, 2015 (edited) Hi Car was quite badly damaged on the front, with both front airbags deployed. But workshop say frame ok on inspection. And I'm claiming from the other party. Instead of repair, can I be compensated with the similar value of the repair quotes plus scrap value? Car just left 1+ year, and I don't feel comfortable (and safe) driving such a repaired car. Can I approach the other party's insurer and present them such a choice? Or there's no such thing in the first place. Any views? I'd never involved in such accident before so any advice would help Thanks I dun know if you can or not. But I did (my car was few months to scrap). Last time my car backside was hit by a car at the traffic light when our car was stationary. That driver had accidentally stepped on the accelerator instead of the brake. Was told by workshop that our insurer gave us 2 choice, one is to scrap and take the compensation $. The other is to repair. We chose the first option and was compensated $900 or $1k+. I forget liao cos it happened at least 15 years ago. Edited August 14, 2015 by Dleodleo Link to post Share on other sites More sharing options...
Kaicar 1st Gear August 14, 2015 Share August 14, 2015 Few mth ago my car backside "kiss" by a Taxi. I sent my car to workshop and they settle everything include a courtesy car during the repairing. All cost by Taxi insurance company. Link to post Share on other sites More sharing options...
Akszaksz 2nd Gear August 14, 2015 Share August 14, 2015 If private settlement, probably you can do that. Something like asking a workshop to quote the repair, then you get the person to pay you cash. (Subjected to his'her willingness for private settle, usually to prevent NCD up lorry) If claim insurance, fat hope. haha! Link to post Share on other sites More sharing options...
Acemundo Supercharged August 14, 2015 Share August 14, 2015 in principle can be done......mainly because insurer also have a right to insist to compensate us the cash up to the market value of our car when it is lesser than repair cost+paper. this is a little known rule that occasionally calls into play by insurer when the repair bill is too huge or such a car has low market value in relation to paper value. it is especially common during the years whereby coe dropped, such that the market value - paper value is a wafer thin margin for less popular cars and any accident they got into could trigger this clause. one way to get this approved, is to ask the workshop plus surveyor to quote higher repair cost so that insurer will automatically choose the lower of the 2, which is market value (ie cash over paper value) Link to post Share on other sites More sharing options...
Drive 1st Gear August 14, 2015 Author Share August 14, 2015 (edited) in principle can be done......mainly because insurer also have a right to insist to compensate us the cash up to the market value of our car when it is lesser than repair cost+paper. this is a little known rule that occasionally calls into play by insurer when the repair bill is too huge or such a car has low market value in relation to paper value. it is especially common during the years whereby coe dropped, such that the market value - paper value is a wafer thin margin for less popular cars and any accident they got into could trigger this clause. one way to get this approved, is to ask the workshop plus surveyor to quote higher repair cost so that insurer will automatically choose the lower of the 2, which is market value (ie cash over paper value) Tks, in this case, is it appropriate to contact the other party's insurer to check? Wouldn't the workshop want to repair and earn? Edited August 14, 2015 by Drive ↡ Advertisement Link to post Share on other sites More sharing options...
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