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Would this be classed as a write-off?

Discussion in 'The Pub' started by Troyziee, Jan 13, 2017.

  1. Troyziee

    Troyziee Active Member

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    Hey guys,

    the misses and I just got rear ended by a big 'ol patrol into the rear of her little lancer, just looking for some opinions on whether it will be a write-off or not. realise its hard from just a couple of photos, but maybe somebody has had similar damage and say if it went one way or the other...

    just got home from the doctors, gave us the all clear, but it was a pretty big hit, and a heavy ARB steel bullbar into the lil lancer is never going to end well....

    happy friday 13th i guess! :p

    PS: if this is the wrong forum section, please move.

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  2. markalan1two

    markalan1two Smile and wave boys !!!!

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    did it bend the roof? what year model is the car?
     
  3. Troyziee

    Troyziee Active Member

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    2010 my11 from memory.

    It's bent the roof only where the hatch has pushed forward into it, so along that back edge is buckled slightly
     
  4. JMP

    JMP Active Member

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    I'd take a stab at yes she's a write off. Looks like the quarters are damaged, hatch is toast, roof and possibly floor.
    Word of warning regarding your back, I got rear ended some time ago when I was in my late teens. Felt ok at the time but some years later I started having back problems, got checked out and it was traced to that accident. Apparently my back did suffer some minor damage but it took years for it to cause problems.
     
  5. Troyziee

    Troyziee Active Member

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    Thanks mate, Ye we went doctors for two reasons, to get checked out make sure we were ok, but also so it's recorded that we went on the same day as the accident.
    We both feel pretty fine this morning thankfully. Would you suggest we do anything else at this point incase there are unknown injuries?
     
  6. Troyziee

    Troyziee Active Member

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    Any other panel beaters/people in the know have any idea if they'll fix or write off?

    About to get on the phone to insurance and get the process going....
     
  7. Calaber

    Calaber Nil Bastardo Carborundum

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    Do you really want it fixed?
     
  8. Troyziee

    Troyziee Active Member

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    Ha! Hell no! I just want to go to insurance with a high confidence that THEY will write it off, if they offer to fix it I'll be disappointed.
     
  9. vc commodore

    vc commodore Well-Known Member

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    The only real way to know if it is a write off or not, is for a panel beater to look at it in person. There maybe some other damage that has been missed.

    I saw a 2002 Mazda twin cab ute that got smacked up the rear end....Slight kink in the rear chassis, the towbar stuffed, dented tailgate.....Initial inspection by the assessor classed it as a write off Damage was $3500 give or take....Took it to the panel beaters and it was repaired as they said the value of it was $5,000.....Repair costs was $3,400
     
  10. Troyziee

    Troyziee Active Member

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    Well its going to panel shop/assessor tomorrow morning....
    been doing some reading that damage needs to be 75-80% cost of payout to be considered a write-off, I'm not too confident it will be that much damage (in $$ terms), but at the same time i have no idea what repairs like this will cost.

    secondly, being the misses car, she is taking it to the body shop for the assessment, should i go? do they pray on non-car minded females?
     
  11. Noeleter

    Noeleter Active Member

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    There is a guideline that can be found online re what is a write off but generally if any structural item eg roof is creased etc it will be a write off.
     
  12. rambunctious

    rambunctious Member

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    Lots depend on who it is insured with.
    Most Insurance Co's get to keep the wreck, and the rego, and then offer you a stupidly low payout and expect you to accept it.
    Never, never, never accept the first offer if it is written off.
    Do they prey on non car minded females ?
    Vultures are nice birds when compared to insurance company assessors.
     
    Last edited: Jan 16, 2017
    the_boozer likes this.
  13. Troyziee

    Troyziee Active Member

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    Haha I like that line! Isn't the payout the agreed value that's written on your statement...?
     
  14. rambunctious

    rambunctious Member

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    Some policies are agreed value, most are market value.
     
  15. Troyziee

    Troyziee Active Member

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    Just checked, got agreed value...
     
  16. rambunctious

    rambunctious Member

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    Good.
     
  17. Troyziee

    Troyziee Active Member

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    Now play the waiting game... they've told the misses it's borderline, will need to start tearing panels off to see.... but if it's borderline do we have any say? Request a different assessment? As we don't want it (no matter how good the repairs are)
     
  18. Calaber

    Calaber Nil Bastardo Carborundum

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    Who are you insured with? Some companies give you the option of repair or payout when the difference isn't great. If the car was rare or high in sentimental value some people take the repair option but most take payout as modern cars are so disposable.
     
  19. stick3

    stick3 Member

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    insurance companys do wheel and deal with each , the at fault drivers insurer most likely take the cheapest option and the airbags didn t deploy
     
  20. Troyziee

    Troyziee Active Member

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    The cars with RACV.

    the other bloke doesn't have insurance, letting our insurance cover all that bullshit.

    end of the day, ill be arguing for a write-off. roof creased, rear body structure just before spare tyre counted about 7 cracks, entire LHS quarter gone (and on the lancer that runs all the way to a-pillar along the top, and also along the skirt) tail-gate gone, and a bucket load of interior trim panels gone, pretty sure i saw a crease in the fuel tank underneath too...
     

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