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dc2100k
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Joined: 28 Oct 2019
Posts: 48



PostPosted: Fri Dec 06, 2019 4:23 pm    Post subject: Reply with quote

Maxthedane,

I wouldn't be shy with the quoted price you get from your repair shop. I can't see for sure but there are various bits of trim, clips, heatshields, decals, wiring, etc that may be damaged or need to be replaced to bring this back to perfect condition and the price for these all adds up. If you are happy finding second hand parts and having them fitted you will get it done for a reasonable price but if someone else is paying then why not get new parts from the OPC and get your preferred body shop to paint/fix them?

If your bumper is split you will need a new bumper & bumper bar, what is the upper retaining trim for this looking like (under the engine cover, black with 4 screws)? Is the impact bumper underneath undamaged? you can't really tell without taking off the bumper. Also at the point of impact is the connector for the rear number plate lights - is this undamaged? If it has taken a whack it could easily fail down the line and you will fail your MOT and have to pull the whole rear end off again to fix. I can't imagine parts for this lot being much less than £1k at OPC, plus paint & not even looking at the engine cover. I would probably be looking to try to get £2k out of their insurers so you can make sure it's all fixed without cutting corners.
 
  
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Maxthedane
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Joined: 11 Apr 2019
Posts: 66
Location: Warwickshire


PostPosted: Fri Dec 06, 2019 4:40 pm    Post subject: Reply with quote

Without cutting corners the quote I’ve had includes:
Engine lid
Bumper
Upper bumper trim
Bumper heat shield & trim
Fixing electrics
Painting

Over £4K to do it properly which is what I’d like

Not sure how to post multiple images so I’ll put a couple up individually
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Maxthedane
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Joined: 11 Apr 2019
Posts: 66
Location: Warwickshire


PostPosted: Fri Dec 06, 2019 4:41 pm    Post subject: Reply with quote

Another pic
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Maxthedane
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Joined: 11 Apr 2019
Posts: 66
Location: Warwickshire


PostPosted: Fri Dec 06, 2019 4:42 pm    Post subject: Reply with quote

And another
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deckster
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Joined: 12 Jul 2015
Posts: 55



PostPosted: Fri Dec 06, 2019 4:57 pm    Post subject: Reply with quote

This happened to me a couple of years ago. It all went through the third party's insurance, who told me exactly who they were going to send it to and they checked out as specialising in high-value cars (not that my 996 is, but it was good to know that they weren't going to send it to Bob's Value Beaters).

They collected, returned, kept me informed throughout the process and in fact didn't replace the boot lid as they said it would be hard to get a like-for-like. The repair is invisible though and the damage was distinctly worse than yours. They provided a hire car and were happy to go like-for-like but I asked them not to as it really didn't bother me and I've heard so many horror stories about massively inflated charges.

All in all, it was really straightforward and I would absolutely recommend just letting the third party's insurance deal with it. They do this literally all the time and have no interest in ripping you off.
 
  
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TurboRob
Silverstone


Joined: 18 Feb 2019
Posts: 124



PostPosted: Fri Dec 06, 2019 5:05 pm    Post subject: Reply with quote

Happened to me in another car just over a year ago. Elected to go through other chap's third party, electing to get repairs made at a bodyshop of my choice. One year I've yet to receive a cheque to cover the invoice from the bodyshop.

Never again for me, just going straight through my own policy and let them recover the costs off the other party.
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DarthFaker
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Joined: 13 Jun 2019
Posts: 93
Location: 1999 Carrera 4 Aerokit


PostPosted: Fri Dec 06, 2019 5:14 pm    Post subject: Reply with quote

Contact the other drivers insurance and ask to speak to their third party capture team. Raise a claim with them directly, the driver will only have to accept liability.

No claim on your insurance, they provide the courtesy car, no recovery process between your insurance companies, it all runs smoother this way.

If you have any questions just PM me I worked in car insurance for years.

Kind Regards,
James
 
  
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Rojdog
Silverstone


Joined: 08 Nov 2018
Posts: 138
Location: Essex


PostPosted: Fri Dec 06, 2019 8:38 pm    Post subject: Reply with quote

DarthFaker wrote:
Contact the other drivers insurance and ask to speak to their third party capture team. Raise a claim with them directly, the driver will only have to accept liability.

No claim on your insurance, they provide the courtesy car, no recovery process between your insurance companies, it all runs smoother this way.

If you have any questions just PM me I worked in car insurance for years.

Kind Regards,
James


Darth if you did the above are you obliged to declare the claims when re-insuring? Being as you are still claiming albeit from a 3rd party?
 
  
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17330
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Fri Dec 06, 2019 9:46 pm    Post subject: Reply with quote

In answer to your original question to me - yes, once you are on the system you've been in a non fault accident its highly likely your premium will increase.

Once you start pushing for a £4k repair, they may write it off.

Kas750's car wasn't written off in his ownership, he bought it as a write-off (with similar damage) then fixed it for way under the amounts bounded about on here.

Hence me saying find a decent bodyshop and get the other driver to foot the bill.
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dc2100k
Newbie


Joined: 28 Oct 2019
Posts: 48



PostPosted: Sat Dec 07, 2019 8:12 am    Post subject: Reply with quote

Alex makes a good point about the insurers potentially writing the car off, do you have an agreed valuation on your policy? I don’t know what value they might put on the car but it’s unlikely to be close to what you would get in a private sale so potentially £4K would be a substantial proportion of the car’s value.

I also think that fixing a silver car with that damage would be much easier/cheaper. You could probably find VG+ condition used body parts that would go on without paint due to the numbers produced, possibly with the correct decals in place, etc. With a car in maxthedane’s colour (lovely colour, what is it?) everything is going to need to be painted.
 
  
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Alex
Le Mans
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Joined: 06 Mar 2014
Posts: 17330
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 10:40 am    Post subject: Reply with quote

Trust me when I say there's not 2 silver 996s the same colour. The paint on each panel changes colour over time.
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DarthFaker
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Joined: 13 Jun 2019
Posts: 93
Location: 1999 Carrera 4 Aerokit


PostPosted: Sat Dec 07, 2019 10:47 am    Post subject: Reply with quote

Rojdog wrote:
DarthFaker wrote:
Contact the other drivers insurance and ask to speak to their third party capture team. Raise a claim with them directly, the driver will only have to accept liability.

No claim on your insurance, they provide the courtesy car, no recovery process between your insurance companies, it all runs smoother this way.

If you have any questions just PM me I worked in car insurance for years.

Kind Regards,
James


Darth if you did the above are you obliged to declare the claims when re-insuring? Being as you are still claiming albeit from a 3rd party?


Yes you need to register the claim with your insurance but its not going to affect your premium on renewal. You register it essentially as a notification of an accident rather than a claim.

It's illegal for insurance companies to increase your premium due to a none fault accident. But they can increase it whilst they're recovering the costs from the 3rd party (6-24 months) , which is why you need to claim directly to save money.

Also since you don't have a contract with the 3rd party insurance they have to provide you with a like for like vehicle so you will likely get a nice 991 to drive whilst it's being repaired, rather than the contractual VW Polo you will get through your own insurance.

Last edited by DarthFaker on Sat Dec 07, 2019 10:56 am; edited 2 times in total
 
  
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DarthFaker
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Joined: 13 Jun 2019
Posts: 93
Location: 1999 Carrera 4 Aerokit


PostPosted: Sat Dec 07, 2019 10:50 am    Post subject: Reply with quote

Alex wrote:
In answer to your original question to me - yes, once you are on the system you've been in a non fault accident its highly likely your premium will increase.

Once you start pushing for a £4k repair, they may write it off.

Kas750's car wasn't written off in his ownership, he bought it as a write-off (with similar damage) then fixed it for way under the amounts bounded about on here.

Hence me saying find a decent bodyshop and get the other driver to foot the bill.


Sorry but you're wrong.
 
  
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Alex
Le Mans
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Joined: 06 Mar 2014
Posts: 17330
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 10:56 am    Post subject: Reply with quote

No I'm not.
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DarthFaker
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Joined: 13 Jun 2019
Posts: 93
Location: 1999 Carrera 4 Aerokit


PostPosted: Sat Dec 07, 2019 10:58 am    Post subject: Reply with quote

Alex wrote:
No I'm not.


Sorry but you are, I worked determining liability in car insurance for years, I know exactly how it works.

Don't miss advise people if you don't know.
 
  
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Alex
Le Mans
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Joined: 06 Mar 2014
Posts: 17330
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 11:09 am    Post subject: Reply with quote

Which specific bit is wrong from my quote?
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DarthFaker
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Joined: 13 Jun 2019
Posts: 93
Location: 1999 Carrera 4 Aerokit


PostPosted: Sat Dec 07, 2019 11:12 am    Post subject: Reply with quote

Claiming through own Insurance:

Claim on file (your are at fault until proven other wise and the money is recovered) 6 to 24 months.

You will be provided a contractually agreed suitable car, usually a Class A,B or C car as classified by your insurance rental company, ideas of categories below, you will get a B or C based on the size of a 911.

A= Fiesta
B= Focus
C = Mondeo
D= Luxury Saloon (E Class etc).

You will be locked into renewal with your own insurance regardless of increased costs until your insurance has recovered their costs (massive increase in premium, because you're treated as being at fault until the money is recovered).


Claiming through Third Party:

You call them, register claim.
They call their driver, he accepts liability.

Absolutely zero effect to your policy or any future renewals.

Your car gets repaired, free of charge with a garage of your choice since it's an exotic (you need to push for this though), but you will need to agree costings with the 3rd party insurance company first, don't just go pay for it then slap them with a bill, you will find this more difficult to claim back. Just let them pay for it after agreeing a repair.

You are entitled for a like for like car, as you don't have a contract with them, so they will have to provide you with a sports car of similar nature (Porsche, Ferrari, Lamborghini). Regardless of it's age, you will get the modern equivalent (You need to push for this though they will offer something crap, you just say no I want a Porsche).


I know which I would do, if I was rear ended (always the other drivers fault impossible to be determined any other way).

Last edited by DarthFaker on Sat Dec 07, 2019 11:16 am; edited 1 time in total
 
  
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Maxthedane
Trainee


Joined: 11 Apr 2019
Posts: 66
Location: Warwickshire


PostPosted: Sat Dec 07, 2019 11:16 am    Post subject: Reply with quote

To answer an earlier question - my car colour is Lapis blue.

Talk of ‘write-off’ spooks me! I paid £22k six months ago on the basis of a PPI where the inspector said I’d be looking a long time to find such a good example.

I’ve sent the quote off to my own insurer. Having seen DarthFaker’s posts I’m now wondering if I maybe should have sent it to the other guys insurance people.

The bill to fix (even if cheaper options were considered - and I’d rather have a thorough job done) was too high for the guy to pay himself. He’s got his own car to fix as well.
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DarthFaker
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Joined: 13 Jun 2019
Posts: 93
Location: 1999 Carrera 4 Aerokit


PostPosted: Sat Dec 07, 2019 11:18 am    Post subject: Reply with quote

Maxthedane wrote:
To answer an earlier question - my car colour is Lapis blue.

Talk of ‘write-off’ spooks me! I paid £22k six months ago on the basis of a PPI where the inspector said I’d be looking a long time to find such a good example.

I’ve sent the quote off to my own insurer. Having seen DarthFaker’s posts I’m now wondering if I maybe should have sent it to the other guys insurance people.

The bill to fix (even if cheaper options were considered - and I’d rather have a thorough job done) was too high for the guy to pay himself. He’s got his own car to fix as well.


You can still call your insurance and say i want to claim directly with the 3rd party as this will effect me less, and i'd like to just register this as a notification.

If you choose to do it this way. It's entirely up to you, but I think you'd be better doing it this way, it's a bit more savvy.
 
  
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T8
General
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Joined: 29 Jun 2010
Posts: 16298
Location: Kent


PostPosted: Sat Dec 07, 2019 12:48 pm    Post subject: Reply with quote

Alex,

I believe that the last sentence in this paragraph is where DarthFaker is stating something different to your post in which you said that registering a claim would be highly likely to affect future premiums.

DarthFaker wrote:


Claiming through Third Party:

You call them, register claim.

They call their driver, he accepts liability.

Absolutely zero effect to your policy or any future renewals.


_________________
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ex 2004 Polar Silver 996T Tiptronic
ex 2002 Seal Grey 996.2 C4 Tiptronic
ex 1978 Silver 924 Manual
 
  
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