Rear ended today :-(

It helps in a big way. I was hit by someone who used the same insurer, but a different broker. Everything was sorted and there's no need to tell your insurer - because you already have.

When I reminded them at renewal, they said that I didn't have to.

Mine was 100% no fault - yours will be too, but it may work differently if you have some fault.
Was stationary. Behind a big white box van. Nowhere to go.

Her first words - “Sorry - I thought you were moving”.

The other driver will be contacting her insurer tomorrow.
 
Rethinking my original value, that would be £3-4k with us, you could almost double that at a BMW dealership
Not sure what our rights are regarding who we choose to get repairs done.
 
Not sure what our rights are regarding who we choose to get repairs done.
You can demand where you want it repairing, AVOID the accident centres at all cost, we have seen some dreadful work from them as they are generally on peace work and paid per car, lets say for instance that they get 16 hours to fit your back panel, if they complete it in 9 hours they still get paid for 16 hours
 
Thanks @Sean d.
Over 20 years since I’ve had to use one. I guess BMW dealers have their own preferred or approved centres. Can’t imagine they dirty their own hands doing bodywork.
 
Sorry to be reading all this Ian, but happy to hear that you and Gail are both all right. One hell of a mess to sort through no fault of your own though.

Tony.
 
Thanks @Sean d.
Over 20 years since I’ve had to use one. I guess BMW dealers have their own preferred or approved centres. Can’t imagine they dirty their own hands doing bodywork.
Not sure about all the BMW deaerships but ours has thier own bodyshop
 
I don’t know what the car is worth but insurance companies will write off for convenience these days if it suits them. Eg salvage worth is taken into account.

I spend quite a lot of time looking at salvage auctions and it makes the mind boggle what gets written off.

I can well imagine £3-£4k for repairs as Sean says and maybe then some. For sure that would finish off most Z3s but I know jack about Z4s.

I’m not suggesting it will be written off. But it can come as a very rude shock unless you have an inkling it could happen.
 
I don’t know what the car is worth but insurance companies will write off for convenience these days if it suits them. Eg salvage worth is taken into account.

I spend quite a lot of time looking at salvage auctions and it makes the mind boggle what gets written off.

I can well imagine £3-£4k for repairs as Sean says and maybe then some. For sure that would finish off most Z3s but I know jack about Z4s.

I’m not suggesting it will be written off. But it can come as a very rude shock unless you have an inkling it could happen.
We both had half a second or so before the impact so we knew it was going to happen - no idea how big it was going to be.

The car is worth about £12k. Hopefully worth repairing. It’s a bit unethical writing off a car because they can profit from it. Better not happen...
 
Not sure about all the BMW deaerships but ours has thier own bodyshop
I see a mini tour around local dealerships coming on.
BMW give a lifetime guarantee whereas the insurers is often only 5 years. Lifetime = while you own the car only.
 
We both had half a second or so before the impact so we knew it was going to happen - no idea how big it was going to be.

The car is worth about £12k. Hopefully worth repairing. It’s a bit unethical writing off a car because they can profit from it. Better not happen...
I think you stand a good chance of being okay if the car is worth that much.

Yes, I find loss adjusting to be unethical. And downright shameful when it comes to older cars. A Cat N (old Cat D) Z3 can usually be put back on the road for peanuts. But it will be forever worth only 60% of pre accident value when repaired. Small repairable bend in bonnet, bust headlamp and front bumper will write most Z3s off. But £500 would put that sort of damage straight. Instead that Z3 would be priced up with brand new BMW parts at a total of £3k plus and written off.
 
Glad you guys didn't get hurt. Hopefully the car can get back to new.
 
Good to hear that you are both OK and hopefully you wont have to much agro getting it sorted
 
Glad you are both OK, frustrating as it is it can be repaired/replaced.
 
Not sure what our rights are regarding who we choose to get repairs done.
I'm with Axa through Swinton and they wanted me to take mine to Alton cars at Mansfield which are the shambles that painted Reggie. I said no and it wasn't a problem, they just asked me where I would like it to go from a list they had and we agreed on one and they did a great job. More than happy with it.
 
So sorry to hear this, but as already said, you are OK and that is the most important thing.
Hope the repairs go well and you are back on the road soon.
 
Main thing is you are OK. It's damn right annoying and an inconvenience being hit but that can be fixed.
My issue with the older cars I have, I know even the smallest of accidents are probably going to write them off. Fortunately a £12k car has a fair chance of that not happening,
 
Sorry to read this but as said previously Ian, the main thing is you and Gail are ok. Shaken obviously but not injured. The Zed will be fixed. As my old Dad used to say 'Money will fix most things'
 
I'm with Axa through Swinton and they wanted me to take mine to Alton cars at Mansfield which are the shambles that painted Reggie. I said no and it wasn't a problem, they just asked me where I would like it to go from a list they had and we agreed on one and they did a great job. More than happy with it.

Been looking at options. While they put pressure on you to use their nominated repairers, you can insist on using whoever you wish. The insurers often guarantee work for up to 5 years. However, BMW guarantee their work for as long as you own the car.

If you choose your own they often remove the option of a hire car. That’s not a problem for us.

I know someone who used to own a body shop (until some scrote burned it down taking 27 customers cars and her own SL with it). She will likely know who is the best indie in the area.
 
Sorry to read this but as said previously Ian, the main thing is you and Gail are ok. Shaken obviously but not injured. The Zed will be fixed. As my old Dad used to say 'Money will fix most things'
We’re fine thanks Dave. I expected to see far more damage when I got out of the car to be honest.
Being Father’s Day and with the link to her dad through the registration it upset Gail.
As far as the car is concerned, we were able to drive away afterwards. Having written 3 cars off in accidents caused by others that’s a blessing.
 
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