Reversed into.

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Re: Reversed into.

Postby rip » Wed 26.07.2017, 10:11

lotusflasherman wrote:You haven't displayed an avatar for some time... and the early Fusion was a small people carrier with quite a high rear window so wouldn't have seen the Elan out of it - but she would have if she'd looked in her door mirrors!

I guess she will from now on. Door mirrors actually give about as good a view as you can get for maneuvering because you can see right along the side of the car, which is better than the forward view from the driving seat. Those of us who prefer to reverse into & drive out from a small space seem to be in a minority though.

Many would have driven off without leaving their details. It was a mistake & we have all made them. Anyone who denies this is a complete liar although those fortunate may have got away with a near miss, or more likely a succession of them because they didn't learn 'the hard way'.
So if you have to contact the other driver again, try to stay calm. The accident has happened now. All they can do is try to sort it out as well as possible. They will likely be feeling rotten about the whole incident. Venting your frustration elsewhere will help them to help you.
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Re: Reversed into.

Postby Simon_P » Wed 26.07.2017, 17:54

I would be really pleased if someone left a note! It is the sh1ts that don't leave a note that make me livid.

You must, must (again!) must take it to a Lotus specialist with a reputation or a paint shop that deals at least 50% with grp cars - They will all say that they do, but unless you can see fibreglass cars in the body shop they haven't a xxxking clue what they are doing.

If you don't take it to someone who repairs fibreglass cars as their main job you will see the repair after about a year.

Yes they will all say that they have painted grp cars but they don't understand what they are doing so walk away.

Are Option 1 near enough to you? I haven't had any work done by them - They have a good reputation, I've not heard any complaints and I haven't seen a bad job.

Don't take any sh1t from your insurers, you are not at fault and they are not paying for the work.
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Re: Reversed into.

Postby Kathryn » Thu 27.07.2017, 15:26

Dave Eds wrote:Hope the Elan is as easy a fix as the avatar!

You don't know how many attempts it took to get that picture small enough! :lol:

An update: I've been in touch with her insurers and it was actually pain-free! I knew she'd already contacted them because I had a missed call and text from them. She has admitted liability, they are aware it is a specialist car and are happy for me to have it repaired at a garage of my choice. I've now got to wait for an engineer to come out and look at it, show him the repair quote and it's up to him to authorise it. Fingers crossed!
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Re: Reversed into.

Postby Giniw » Thu 27.07.2017, 17:36

:-)
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Re: Reversed into.

Postby rip » Thu 27.07.2017, 20:08

That could be a lot worse.
You can say sorry without showing it, but it does not sound like the case in this instance.
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Re: Reversed into.

Postby lotusflasherman » Thu 27.07.2017, 22:48

Kathryn wrote: An update: I've been in touch with her insurers and it was actually pain-free! I knew she'd already contacted them because I had a missed call and text from them. She has admitted liability, they are aware it is a specialist car and are happy for me to have it repaired at a garage of my choice. I've now got to wait for an engineer to come out and look at it, show him the repair quote and it's up to him to authorise it. Fingers crossed!


Sounds good. You do need to keep control of the repair process and 'ownership of the project'. Just a word of warning to all ... don't trust Insurance companies,they have no ethics!

I had my stationary Subaru Forester seriously damaged by a towed car 'that got away' from the towing vehicle and the driver correctly accepted full liability. Hastings Direct, his insurers, contacted me to say they would arrive with an Enterprise Hire car for me, take my Forester away to a repair company in Ipswich, repair it and return it. Sounded great... but things went wrong after a couple of weeks when Enterprise turned up to collect the hire car 'as the claim had been settled'. Seems Hastings Direct had decided to write off my Prodrive Subaru Forester XT (2 litre turbo, significantly enhanced by Prodrive) but hadn't told me. When I contacted them they offered about 50% of it's value when looking at 'ordinary Foresters' on ebay & Autotrader. (If you think Elan S2 with Everest chip and big bore exhaust being replaced by a very high mileage NA you might get the idea.) I showed then equivalent Foresters on Autotrader but they weren't interested, but were a bit surprised I had an alternative vehicle (Elan) and was going to continue to argue with them.

I spoke to the FSA but they only controlled Financial Company's dealings with their clients, not client's claimants, but the lady told me they were seeking wider powers as Hastings Direct, and others, were immediately offering several tens of thousands of pounds for full and final settlement for serious personal injury when later assessment would determine hundreds of thousands were needed for a permanent disability.

I then rushed off to get my possessions out of my car, SatNav, CD's out of the player etc and the guy at the repair company told me Hastings Direct write off 50% of the cars they offer to repair. He suggested I take anything removable - handbook, mats, boot liner etc and helped remove rear spoiler and side skirts. Seems he didn't like the way they did business either.

Fortunately my Subaru had been a dealer demo car, which is why it was 'fully loaded' with tinted windows, leather heated seats, rear spoiler, skirts & Prodrive conversion and the dealer sent me a fairly conservative valuation based on it's mileage at the time. I sent 'an amended version' to Hastings Direct with a letter saying I was prepared to take them to Small Claims Court in Ipswich and got a letter with a cheque for £8,600 which was £150 short of £8,750 in my letter. When I asked why £150 short they said 'we don't think you'll bother chasing £150'... good job I used Photoshop to change valuation of £8,150 to £8,750.. but it still didn't compensate for all the aggravation and inconvenience of dealing with them and then chasing around the country to find an acceptable replacement and the train fare to go and collect it. Replacement was standard XT with lower mileage but wasn't a Prodrive so was never equivalent in any way, and no tinted windows.. :(
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Re: Reversed into.

Postby Kathryn » Fri 28.07.2017, 20:03

Ffs Phil, just when I was starting to feel a bit better about the whole thing... she's with Hastings Direct! :shock:
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Re: Reversed into.

Postby lotusflasherman » Fri 28.07.2017, 22:25

Kathryn wrote:Ffs Phil, just when I was starting to feel a bit better about the whole thing... she's with Hastings Direct! :shock:


Keep control and don't trust them... and always expect the unexpected

Still got papers archived and see it was 2009. My damage was severe so write off not unreasonable but how they dealt with me certainly was ! I'm reminded they also deducted '£51 for parking ticket issued to the hire car' (complete bullshit!) and then settlement cheque was late and I couldn't present it as they'd got my surname wrong - not in any correspondence, only on the cheque .. :smt017 . That meant I couldn't catch the train to collect my replacement car as I couldn't pay for it so I went back with a claim for cost of train ticket I couldn't use and loss of earnings for 3 days, as I used Forester for business. I got £466 for unused train fare and 1 day paid but they argued liability stopped when I presented the cheque so train travel to collect car and loss of earnings after that was my problem.

Suggest you keep a log of the hours, phone calls and miles you incur in getting your car restored to it's original condition. HMRC has 45p / mile for use of private car on business so they can't argue with that. Hopefully you won't need it but good ammunition if things get messy...
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Re: Reversed into.

Postby Kathryn » Fri 28.07.2017, 22:51

Thanks Phil. I'm hoping I won't have the troubles you had but it's good to be prepared. The lady I spoke to seemed helpful enough. She confirmed my details and the car's details and said straight away (can't remember her exact words) that because it was a specialist car they did things differently than usual and asked if I had somewhere in mind for the repair. I didn't even mention it. Just waiting now to hear from the person that's going to come and assess the damage! I'll ring them up if I don't hear anything by monday evening.
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Re: Reversed into.

Postby Simon_P » Sat 29.07.2017, 00:05

Kathryn,

Your Insurance company (who are they?) are going to get quite upset. You will have agreed to contact them after any incident whether resulting in a claim or not. At some point soon they will contact you and remind you of this. It doesn't matter if you think you disagree with this it is a condition of your insurance, and you get some high handed person telling you off.

Hastings Direct are the Third party's insurer, they have no authority to write your car off and are representing their client not your interests. They want your claim to be as cheap as possible hence they have contacted you rather than your insurer - Everything is computerised and you lose all ways up ... you are now a higher insurance risk, and you will be expected to document this incident at renewal time.

As Phil says car insurers have no ethics, you may think that you pay them so they are on your side but they do whatever makes the most profit.

I had a car written-off by Admiral. It got towed to a garage, the next day it was gone - no word from Admiral. I had to send them the V5 - Admiral reclaimed the road tax, didn't pay it to me as they considered the car belonged to them when they wrote it off. They didn't send off the paperwork, so the DVLA fined me for keeping an untaxed vehicle - Admirals view was too bad!
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Re: Reversed into.

Postby Kathryn » Sat 29.07.2017, 01:09

Simon, I have every intention of informing my insurance company as soon as I know the claim is going through.They'd find out anyway and it would be better to hear it from me. I know I'll have to declare it and probably be penalised for it for 5 years now (even though we all know how unfair that is :() but I have no choice. I guess I was lucky last time I made a claim (nearly 6 years ago), I was at fault (put the car in a ditch on a bend) the car (7 yr old Seat Ibiza) was written off but I felt my payout was more than the car was worth (this was co-op insurance).

The Elan is insured with Adrian Flux, shortly after I renewed I read bad things about them on TLF. You really don't know if any of them are any good until you need to make a claim. Don't worry I wouldn't trust any of them.

It's just bloody annoying! When I had my accident of course my insurance went up (I was actually planning to leave co-op but then their renewal quote kept coming up best), then some stupid women decided they wanted equality, so our premiums were put up to match that of the men! Now, over 5 years so I no longer need to declare the claim and now this! :evil:
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Re: Reversed into.

Postby lotusles » Sat 29.07.2017, 11:28

Kathryn
You are only obliged to tell your insurer at renewal as they will know via CUE Claims Underwriting Exchange.
If I was you I would take CIL Cash in Lieu of repairs (including the VAT Element) especially if you are considering having some extra work done, that way you can pick your own repairer.

This claim should not affect your future premiums as its non fault and you probably have protected NCB No Claims Bonus
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Re: Reversed into.

Postby clemo » Sat 29.07.2017, 11:39

Kathryn ,
Again to reiterate most of what has been said , luckily you have an honest person that hit you . nobody got hurt , only pride and fixable parts . with that in mind they way to move forward is a clear cut path . I would strongly advise to go through the insurance rather than a they pay cash job for reasons below :-

I have had one of these palacio purple cars.
Be very particular who paints the car .
Be very very strong voiced that if it is wrong you will be bringing it back . This is not a little blow over of paint . The Gold silver fleck and purple is a very difficult colour to match . Stick with and stay with Lotus or Lotus specialists who know what they are doing . If the decided to just do the wing refuse it , if they try to say a front end blow over take advise .. I would suggest that this is not far off a total respray . For the reasons mentioned above > the gold over silver can appear to look directional . whilst when masked up the colour may be technically fine . Take it outside and look at it on a sunny day it may not be . It is your right to refuse "their" recommended authorised garage . It is in their interest to use there garage not yours. They will try and baffle you with flannel . Do not accept it .

Stick with your garage . if they get shitty get their loss adjuster to come and speak to your garage . This is a specialist car and should be treated as such .

Loss adjuster is someone who works on behalf of their insurance company to minimise their costs . ( though they are not completely incompetent and do understand things )

Your Lotus / Lotus specialist garage will undersand gel coat plastic cars .


STAND YOUR GROUND .

There are plenty of knowledgeable people on here . Use them too .


All the best
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Re: Reversed into.

Postby Kathryn » Sat 29.07.2017, 18:31

Cheers guys,
My Lotus specialist has agreed to do the work, I'm going to get the whole front end done (it needs it). I hope I don't have too much trouble with the insurers but at least if I do I'm prepared for it.
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Re: Reversed into.

Postby clemo » Sat 19.08.2017, 22:23

How you getting on Kathryn ?

Is your car painted and back with you ?
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Re: Reversed into.

Postby Kathryn » Sun 20.08.2017, 20:05

I've been meaning to post an update!
Car is going in for repair on the 5th September. (Could have been sooner but wouldn't have been back in time for the Lotus Festival.)

I had to wait a week for the engineer to come out. Fortunately he seemed to know what he was looking at (although he didn't seem to spend much time looking at it, maybe because it was pouring with rain at the time!) and said he would authorise the repair. Apparently list price is £3500, "its worth more than that" he said, then looked up S2s for sale and I know at the time the cheapest was £9995. Apparently he looked into buying an Elan 7 or 8 years ago. (Another one, the guy that did my wheel alignment looked at them a couple of years ago too). Anyway, I waited nearly a week and having heard nothing phoned up Hastings. Put on hold, passed to someone else, on hold again... looks like it's been authorised and it's up to me to contact my garage.
I'm having the whole front end done. Most of the cost has been absorbed into the insurance claim, so I'll only have to pay about £350. (although I have a little list of other things to do whilst it's in so will be more!)
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Re: Reversed into.

Postby lotusles » Mon 21.08.2017, 19:41

Thats really good news.

Us Insurance Assessors dont always deserve the bad press :D
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Re: Reversed into.

Postby alan e » Mon 21.08.2017, 19:47

lotusles wrote:Thats really good news.

Us Insurance Assessors dont always deserve the bad press :D


Are you sure about that :D
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Re: Reversed into.

Postby lotusles » Wed 23.08.2017, 16:53

alan e wrote:
lotusles wrote:Thats really good news.

Us Insurance Assessors dont always deserve the bad press :D


Are you sure about that :D


Ok, so pick any environment where there are 1000's of operatives, in this modern world where complain is the norm, do they always perform as you would expect?

The problem with this industry is that everybody seems to have an opinion, and don't forget that we only deal with people that have had an accident, which in itself is a bad experience. If I value a car correctly what happens, the person goes to the pub and gets advised to not accept the first offer. We cant ever get it right can we!
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Re: Reversed into.

Postby dapinky » Wed 23.08.2017, 18:55

lotusles wrote:Ok, so pick any environment where there are 1000's of operatives, in this modern world where complain is the norm, do they always perform as you would expect?

The problem with this industry is that everybody seems to have an opinion, and don't forget that we only deal with people that have had an accident, which in itself is a bad experience. If I value a car correctly what happens, the person goes to the pub and gets advised to not accept the first offer. We cant ever get it right can we!


Welcome to my world :cry: :cry:

Unfortunately, as you say, Les, there are far too many barrack-room lawyers and people who "know their rights" in many walks of everyday life - and it's easy to just go with the flow and slate all of 'em the same.
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