some1 smashed into my saxo

[waynaldo1]

on the 6th of jan this year some
stupid c**T smashed into my car saxo vtr (2000)
my claim has been going on and on.
today they offered me for my saxo £800
- the excess 150 gives me 650 :wall: what the hell
surly my car is worth more than that..
and do i have to pay the excess even tho i was at work when
they smashed into my car..

by the way im insured by the AA :boxing:

[BenjaM]

Pics of the car?

[waynaldo1]

Pics of the car?

how do i post pics matey i tried but cant find how too..
its just a standard saxo vtr 2000 reg

[Ryan]

if you are claiming off another party you should be able to claim the excess to, however if it is off your insurance then no you have to pay it.

saxos are worth fuck all atm aswell.

[mtpagey]

pretty sure an excess is an excess no matter what i'm afraid.

you'll get offered an amount on what the insurers see the market value of the car being but i wouldnt take their first offer. very few eople do. from what i've heard you get 3 offers which you can accept or not. not sure what happens after that.

im in the middle of a claim the now for my vts, declined an offer of £1400 which after my excess and compulsory excess (being under 21) i would've got £925 :n:

[AlexR]

You will have to pay the excess, then if it's found to not be your fault(as in you are claiming off the person who crashed into your car) the excess will get refunded when the claim is complete. If you don't know who it was that crashed into your car, and are claiming on your own insurance then you will have to pay the excess.
As for how much they offer you, find ads for similar ones on ebay/PH/Trader and just tell them you're going to need a certain amount(probably £1250 or something) to buy a similar car.

[ocktovts]

ive been there before, it gutting

[Slammed_Posi_Vtr]

how do i post pics matey i tried but cant find how too..
its just a standard saxo vtr 2000 reg

Load them up on to photobucket, then copy and past the IMG code into your post

[PSPDan]

Hope you manage to get a good deal mate. Insurers are cocks but at the end of the day they have to survive.

[Jordy6969]

definatly reject the first offers mate, i did and got an extra £150, well worth it! and nahh you dont have to pay the excess unless youve claimed on your own insurance

[Sammy-Boy]

Hope to get it sorted soon mate. Pics?

[saxo_tom1234]

copper ran into mine other week (put a post up here about it) there payin me 1200 quid for a bumper lol happy days lol

[saxo_tom1234]

definatly reject the first offers mate, i did and got an extra £150, well worth it! and nahh you dont have to pay the excess unless youve claimed on your own insurance

i wasnt rejectin mine lol offered 1200 only paid 500 for car lol

[Jordy6969]

yer well thats a result then, probably helped that it was a copper mabye?

[stevie_m]

if the damage aint that bad why dont u find out where it is going n get it fixed up with the £650.

guy in my work did it

[saxo_tom1234]

prob but got pulled every day since lol

[saxo_tom1234]

if the damage aint that bad why dont u find out where it is going n get it fixed up with the £650.

guy in my work did it

new bumper is wot 50 quid of here max can do that mysen lol. n live a bit lol

[Jordy6969]

if the damage aint that bad why dont u find out where it is going n get it fixed up with the £650.

guy in my work did it
that also means that that you have to buy your vehicle back off the insurance company but would be worth it if the damage is fixable at a cheap price

insurance are always writing cars off these days for fcuk all damage

[TikkA]

if you are claiming off another party you should be able to claim the excess to, however if it is off your insurance then no you have to pay it.

saxos are worth fuck all atm aswell.

and people still try to sell them for ridiculous prices

[vtr_cheshire]

I had my Excess voided when it was judged not to be my fault?

Don't understand you should get this back

[Freakin_Sweeet]

Its an uninsured loss, so you can claim it back if its not your fault. If its not your fault and the other person admits liability then you can claim through their insurance company and not your own. You wont have to pay excess at all in that case. Your excess may also be voided by your own insurance company if the third party admits liability, as they will claim it directly from the Thirrd Party insurer :)