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Damaged Coupe - What to do advice needed
#1627046
17/11/2018 10:35
17/11/2018 10:35
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Joined: Mar 2007
Posts: 1,525 Nuneaton, Warwickshire
JLow75
OP
My life on the forum
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OP
My life on the forum
Joined: Mar 2007
Posts: 1,525
Nuneaton, Warwickshire
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After nearly 15 years (4 Coupes) of Coupe ownership I have had an accidental knock which potentially will result in my first ever Insurance claim! Basically I reversed into a sneaky difficult to spot at night short post that was inline with the bottom of the rear light cluster, (no other vehicles involved) As you can see from the photo's below. Firstly, what are people's take on this damage? if it was the only bodywork issue, I'd consider having it done privately, without claiming, however I was about to have nearly £500 worth of other bodywork done on it - ironically it was actually booked in for next week! This extra work would now take it into 4 figures I'm guessing. It is currently on a Classic policy with Footman James with all the usual things in place, Agreed Value/salvage retention etc etc been with them around 10 years - no claims So I need advice what to do 1. Claim on insurance for the accidental damage 2. Go back to the bodyshop it was booked into for the other work & ask for a re-quote to include this I do actually have a spare good condition Sprint Blue rear bumper! that I could pass onto the garage doing the work. Finally, has anyone else claimed with Footman James? how were your experiences?. I do want to get it all sorted, as it's the sweetest engined, most reliable Coupe I've had out the 4 ![smile smile](/forum/images/graemlins/default/smile.gif) but at the other end of the scale I do not have a huge budget (I was maxing out on the £500 I was going to spend on bodywork, as it's booked in for a full cambelt change too so I was spending best part of a grand on it anyway, not including this. Thanks in advance Jamie
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Re: Damaged Coupe - What to do advice needed
[Re: JLow75]
#1627054
17/11/2018 12:00
17/11/2018 12:00
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Joined: Aug 2017
Posts: 338 Camberley, Surrey
jonnyboy54321
Making a profit
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Making a profit
Joined: Aug 2017
Posts: 338
Camberley, Surrey
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Insurance co may well total-loss that if it goes to their approved repairer used to doing standard stuff.... Awkward repair as its in two planes but a good panel beater will do that - theres decent access for it. Get a quote from them to do it. Also get an 'insurance' estimate off him where it may cover all eventualities iykwim. I'm having a rear quarter paint done thats far far worse than that on my sprinty right now. Least i hope i am (am in Sri Lanka currently!)
Last edited by jonnyboy54321; 17/11/2018 12:01.
Always seem to have too many 20VT's to count......
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Re: Damaged Coupe - What to do advice needed
[Re: JLow75]
#1627063
17/11/2018 17:31
17/11/2018 17:31
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Joined: Aug 2017
Posts: 338 Camberley, Surrey
jonnyboy54321
Making a profit
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Making a profit
Joined: Aug 2017
Posts: 338
Camberley, Surrey
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Categories have changed now, no c and d, iirc its n and s for structural or non structural. Mind you, i just bought a Navara that was cat S, solely because of some very superficial damage to the c pillar (amongst other damage)
Always seem to have too many 20VT's to count......
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Re: Damaged Coupe - What to do advice needed
[Re: JLow75]
#1627099
19/11/2018 16:34
19/11/2018 16:34
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Joined: Aug 2017
Posts: 338 Camberley, Surrey
jonnyboy54321
Making a profit
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Making a profit
Joined: Aug 2017
Posts: 338
Camberley, Surrey
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I think yoour first step is speak to a competent bodyshop about the viability of an insurance repair first. They are used to dealing with assessors etc and know how to 'play'the system
Always seem to have too many 20VT's to count......
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Re: Damaged Coupe - What to do advice needed
[Re: JLow75]
#1627156
22/11/2018 11:52
22/11/2018 11:52
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Joined: Dec 2005
Posts: 586 Guildford
wink
Club member 1453
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Club member 1453
Enjoying the ride
Joined: Dec 2005
Posts: 586
Guildford
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Re: Damaged Coupe - What to do advice needed
[Re: JLow75]
#1627397
29/11/2018 06:52
29/11/2018 06:52
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Joined: Aug 2017
Posts: 338 Camberley, Surrey
jonnyboy54321
Making a profit
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Making a profit
Joined: Aug 2017
Posts: 338
Camberley, Surrey
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Same here - cheap enough which was what I suspected - no way I would claim
Always seem to have too many 20VT's to count......
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