Help with Write-Off Trigger!

[Fekason]

I had the misfortune to be rear-ended last night in my trusty old VSII V6 Manual. Initially I thought that just the bumper bar, boot lid and a bit of the underneath structure was affected.

However, this morning walking to the car, I noted a buckle just above and to the rear of the LH wheel arch. That makes it look like the rear end has been twisted around. This is quite possible as I was hit from behing while on a roundabout.

Other vehicle is uninsured. My policy has an agreed value of $10,100.

I am worried that it might be written off as the auction value might make that the preferred option for the insurer. The car is in very good condition, with less than 160K. Engine has always had clean Mobil 1. It has desirable options like cruise control (very rare in a manual), dual airbags, ABS and IRS, aircon, as well as a Level 3 cluster.

While I have a similar VYII, the old VS has been part of the family since new. I was planning to pass it to one of my sons about the end of this year when he is licenced. I want to keep it because it is worth it for us.

Is anybody able to give an intelligent guess at the likelihood that the car will be written off and I will lose it?

Thanks.

 

[semi]

i dont think the auction value really comes into it, its just the cost of repair exceeding about 80%. If the whel arch has much damage (if this is away from where it was hit) then id say its very likely that theres structural damage and itll be written off.

Really, the car isnt going to be that great if its repaired, ive heard heaps of accounts of cars never being the same after a near writeoff and being repaired. Maybe you can buy your wreck from the insurance co. if its written off and keep the good bits??

 

[flipsyde]

gotta be spewin S2 manual,if the other driver is not insured does that mean the he/she has to pay for it?

 

[Fekason]

Yes It Does.

gotta be spewin S2 manual,if the other driver is not insured does that mean the he/she has to pay for it?

I am covered by my insurance, with a life time 70% no claim bonus. I have identified the other driver, so I should not have to pay the excess either.

The insurance company will seek to recover the costs from the other party. She was a young girl. Feel sorry for her, but not enough to pay for it myself. One of those things.

 

[Fekason]

Drives Fine.

i dont think the auction value really comes into it, its just the cost of repair exceeding about 80%. If the whel arch has much damage (if this is away from where it was hit) then id say its very likely that theres structural damage and itll be written off.

Really, the car isnt going to be that great if its repaired, ive heard heaps of accounts of cars never being the same after a near writeoff and being repaired. Maybe you can buy your wreck from the insurance co. if its written off and keep the good bits??

Other than a re-aranged back end, the car looks fine, and drives as though nothing is wrong. Haven't tried to open the boot yet. Hope the golf clubs are OK. That would just be the end if they went too.

It would appear that the back end of the car has been "twisted" a little by a slightly offset impact. I fear that it will be expensive to repair.

I like the idea of trying to buy it back from auction if that is where it ends up.
I could drive it as it is, with just TPP insurance.

 

[hinterland]

being a panelbeater myself and having a gess at repair cost would say quotes will come to from 4800 to 5400 dollars which will keep it alive.the repairs on a rear ender are not as drastic as front or side collision so if done bye half decent shop should be fine.

 

[sircruisealotVS]

i've had the same sort of experience before when i had my vn calais, some bloke rear-ended me in busy traffic congestion...it was only at low speed but did a bit of damage.
after about 2 weeks of deliberating, his insurance company decided to fix it instead of write it off...if they had of written it off i would have still retained ownership of the car.
the damage to mine was only a shattered rear bar, bent tail light housing and a fair dent into the bodywork under the boot lock...but it still costed $4500 to fix, more than i paid for the car about a year before the accident happened.

 

[azzss]

My mums vr berlina got a hit in the rear by a tray truck stuffed boot,bumper and LHS rear quarter. We were worried it was going to be written off (she loves it,part of the family) but it was fixed with no dramas and the car drives as good as it allways has done. Good luck with it mate.

 

[Fekason]

Thanks.

being a panelbeater myself and having a gess at repair cost would say quotes will come to from 4800 to 5400 dollars which will keep it alive.the repairs on a rear ender are not as drastic as front or side collision so if done bye half decent shop should be fine.

Thanks for that. Gives me some confidence.

Cheers.

 

[Fekason]

Good News.

The news is good.

Car is being repaired, get it back next Tuesday.