Tree 1, Car 0
Printed From: Yachts and Yachting Online
Category: General
Forum Name: Banter
Forum Discription: For all those non-sailing related discussions
URL: http://www.yachtsandyachting.com/forum/forum_posts.asp?TID=5855
Printed Date: 11 Aug 25 at 6:32am
Software Version: Web Wiz Forums 9.665y - http://www.webwizforums.com
Topic: Tree 1, Car 0
Posted By: Scooby_simon
Subject: Tree 1, Car 0
Date Posted: 20 Aug 09 at 7:46pm
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Just glad my kids were not in the car when this happened.
Might come out with a bit of T-CUT.....
------------- Wanna learn to Ski - PM me.. |
Replies:
Posted By: radixon
Date Posted: 20 Aug 09 at 8:02pm
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Simon, Cant see the pics, it requires us to log in. Hope you havent dented your Scooby? ------------- |
Posted By: laserboy404
Date Posted: 20 Aug 09 at 8:03pm
cant see the pics  ------------- Laser 159392 Javelin 53 |
Posted By: Scooby_simon
Date Posted: 20 Aug 09 at 8:04pm
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working on it :- ( ------------- Wanna learn to Ski - PM me.. |
Posted By: Merlinboy
Date Posted: 20 Aug 09 at 8:07pm
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Has a tree fallen on it? It looks like it was parked up at the time! ------------- |
Posted By: Scooby_simon
Date Posted: 20 Aug 09 at 8:09pm
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Car was parked. I (Or my kids or wife) were not with me so could not have been on it.
Tree fell over, crossed road, hit my car and was also lying over the pavement.
Traffic stopped in Welwyn Garden City for a while....
------------- Wanna learn to Ski - PM me.. |
Posted By: radixon
Date Posted: 20 Aug 09 at 8:34pm
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Confused as to how it happened? Hope your OK, take it the insurance will be paying for another, but prob wont be the same as that one. ------------- |
Posted By: Scooby_simon
Date Posted: 20 Aug 09 at 9:04pm
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Tree fell over on car. Car gets squashed. Simples.... ------------- Wanna learn to Ski - PM me.. |
Posted By: Mark Jardine
Date Posted: 20 Aug 09 at 10:02pm
| I'm sure the tree's insurance company will somehow make out it was your fault! |
Posted By: Villan
Date Posted: 20 Aug 09 at 10:15pm
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It looks like the tree wasn't holding a safe following distance and didn't stop in time ... I'd say its the trees fault indeed! ------------- Vareo - 149 "Secrets" http://www.TandyUKServers.co.uk" rel="nofollow - TandyUK Servers |
Posted By: Scooby_simon
Date Posted: 20 Aug 09 at 10:20pm
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First pot of call will be the council. Tree was (IMO) wrotten as hell... ------------- Wanna learn to Ski - PM me.. |
Posted By: Wrighty
Date Posted: 21 Aug 09 at 1:02pm
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Sorry to see you car like that, Its a shame as it lookes in mint condition and would have lasted for years. Have you a sound track of the exhaust, only a few sound like the v8 speed boats in Florida at Disney. I am thinking of getting a big speaker and playing it from my wifes car at traffic lights? Do not take the first offer from the insurance, the second or third offer was the best a few years ago. takes a lot of time before they give you the money on the third Chris ------------- Wrighty |
Posted By: stuarthop
Date Posted: 21 Aug 09 at 2:17pm
Glasses price guide valuation was invaluable when some chav wrote off my astra (they drove into it at speed whilst it was parked at the side of the road, police never caught them) The insurance company had under valued it by almost £1000 but i just told them that i had a glasses valuation for my car and I wasn't going to accept less than what the car was insured for, the next day a cheque was on my doormat for £50 less than the cars value.... sorted  well except for having to claim on my own insurance due to the chav scum driving away.  ------------- |
Posted By: Wrighty
Date Posted: 21 Aug 09 at 2:23pm
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Way to go, glad to see you at least got somewhere near to the correct price, good phone call that. Chris ------------- Wrighty |
Posted By: Scooby_simon
Date Posted: 21 Aug 09 at 2:37pm
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pricing it is going to be "interesting". Glasses do price it, but it's not accurate as only a handfull change hands every year (only 500 ever made). Have already collated all the adverts I can find currently and we'll see.
------------- Wanna learn to Ski - PM me.. |
Posted By: Andymac
Date Posted: 21 Aug 09 at 8:16pm
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Can you ask the insurance company to find the replacement, if you are offered too little? |
Posted By: Scooby_simon
Date Posted: 21 Aug 09 at 11:20pm
Yes.
That then focusses THEIR mind on the problem. They will struggle to find one of similar age, with similar low miles and in mint condition. ------------- Wanna learn to Ski - PM me.. |
Posted By: Merlinboy
Date Posted: 21 Aug 09 at 11:44pm
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Simon if you need any help i work in the motor trade for a Major Auction company. Can i just point out to people here though that the insurance company will never pay you retail money back for your car! They will only pay you CAP average/clean price for your vehicle (This is the true industry trade guide, they don't use glasses) They will not pay you for the dealers Margin (retail money) if you want them to then you should pay for total loss GAP or Vehicle replacement insurance when you buy your car new! I have been FSA credited amongst other things and unfortunately unless you pay a specialist insurer they wont care how many Subaru type uk's etc have been sold or change hands you will only get a trade price for your vehicle. How can an insurance company be held accountable for how many vehicles the manufacturer sold of that type? ------------- |
Posted By: Scooby_simon
Date Posted: 22 Aug 09 at 7:44pm
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Trade price is the price THEY CAN source a car. If they do not play ball I will use the same method I did when I had a car stolen. OK, Find me a car and replace it. Usually gets them in the mood.
I was told by Subaru dealer that the Car is not in CAP. ------------- Wanna learn to Ski - PM me.. |
Posted By: Merlinboy
Date Posted: 22 Aug 09 at 7:48pm
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If your ring CAP they will be able to give you the price for it escpecially if it Glasses. CAP has a much bigger data range then glasses, if you get hold of a full experian report on the vehicle it should even have the CAP code. Good luck trying to beat the insurance company. They unfortuyantely don't have to source you a car and no insurance policy i new for old or old for old! As stated before the insurance are not interested in paying the dealer margin fora start. IF you want to get what you paid for a vehicle back after an acident you need to buy a GAP policy. This covers the differnce between an insurance payout and what you paid for the vehicle. I know its a pain in th arse and quite frankly bullsh*t, but these are the facts. ------------- |
Posted By: Scooby_simon
Date Posted: 22 Aug 09 at 8:13pm
Last time I went head to head with an Inso co they offered me X. After I presented them with the state of the REAL market, adverts etc and after much negotiation, they round to my wak of thinking and upped their offer by 20%.
I've worked in the market in the past for about 10 years and know how it operates. You, as yopu state, will never get them to pay dealer markup; I'm not interested in that; dealers operate ina world of their own. Much better to present a carefully argued case and they, in my experiece, will see the error of their ways.
Edit to add; can you give me the number for CAP, I'll ring them on Monday to check what Subaru said is correct. ------------- Wanna learn to Ski - PM me.. |
Posted By: Merlinboy
Date Posted: 22 Aug 09 at 8:42pm
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SImon i dont have a copy of CAP with me if you can get hold of a dealer the number is printed on the title pge of each guide. TThey should then be able to pull up a cap figure for the vehicle (mileage adjusted) I'm not trying to argue with you i'm just tying to share my expertise with this. I have been working in the industry for a long time now, in fact the information in glasses and CAP has a lot to do with the company i work for. I was also fully FSA a credited with selling motor insurance products etc. Though sadly now (actually not so sadly) i no longer work in the front end of the industry i have no need for the creditation. I wish you all the luck getting a replacement car as your Subaru was a little bit special and proably very hard to replace. ------------- |
Posted By: alstorer
Date Posted: 22 Aug 09 at 9:53pm
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Of course, it http://thatwillbuffout.com - could be worse.... ------------- -_ Al |
Posted By: Scooby_simon
Date Posted: 22 Aug 09 at 10:42pm
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Subaru told me yesterday that the car is NOT IN the cap guide as they are specials. only 500 made and these cars went via Prodrive for enhancement, but still with full Subaru network support.
Their advice was that in the past, as the network cannot provide market data(hence why not in CAP), the insurance companies simply negotiate. ------------- Wanna learn to Ski - PM me.. |