****! Rear Ended Again! :(

Is it any wonder that insurance rates are silly when you see the amount of man hours spent in trying to wriggle out of or reduce the valuation and payout?  If they just paid the real value on day one instead of haggling then it probably would cost them less than the lower original offer and the cost of time (even just theirs) spent farting about and splitting hairs since.

BTW - is there any pre-existing reason that would prevent it from passing the NCT?  If not, get it tested and if it fails on anything related to the accident damage then they can't wriggle out on that one.

It might also be worth pointing out that the payout should be based on the market value and condition (i.e. NCT'd) immediately prior to the date and time of the accident.  If market values have changed since then, its their problem.  You can be sure that if there was a reason why market values had increased since then that they would be looking to pay based on the value at the time of the accident.

sorry to see damage k hope you ok

his missus prob left him kos his car was crap

kbannon wrote: Apparently the assessor has put a figure of 4,600-4,800 on the value of the car and the repairwork is 4,900approx.

Killian, that's not too bad a price in todays market.  I know it sounds severe though. 

Mine is a similar age, although miles on mine are probably a lot higher than yours.  I advertized mine on carzone for ages recently and had progressively dropped the price to euro3.8k without even getting a call (if you ignore the "what is your lowest price" calls and txt's from people that haven't even asked a question about the car).  Eventually I just took it off the web, looking to see if I can shift one of the others as my sisters e46 328i Touring is gathering dust waiting for me to buy it.

I'd take the money, keep the car and break it.  With the spec on yours there is a lot of value to extract from just the big bits on breaking it.

kbannon wrote: My solicitor is just off the phone to me. Apparently the valuation is based on a salvage amount of �800 so they are actually offering me under 4K. This means that to get my car fixed will end up costing me money. I have asked him to appeal the amount they are giving and have pointed him towards various prices online (including one for �10.5K!). Most of those online are of a lower spec than mine! Don't know whether to or

Insurance company's will always 'lowball' to start with.

Kb hope your prob is being sorted  i now have had 1  a kind young person has just reversed in to front of car .

Luckily for him he only got black plastic strip on bumper and seemed to be really thankfully i did not thump him for people who have met me or seen a pic of me will understand why he was thankfull.