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Discussion Starter · #4 ·
Now I have a corsa as a courtesy car, going to get it repaired by MINI rather than the insurer's network.
 

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Discussion Starter · #6 ·
Other driver's fault, they were turning right and drove out in front of me (going straight on)

The police are going to press charges on the other driver for driving without due care and attention.
I'm alright, just a few cuts and bruises. MINI took the brunt of the damage - you can see how the bonnet lifters have popped up
 

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Really glad you're ok and very sorry to see the state of the Mini.

A similar accident happened to me about 15 years ago in a 2 month old Audi A3. I was concerned about the condition of the car after such a significant impact and questioned the decision by the insurance company to repair the vehicle. As a compromise, we agreed that An independent AA inspection be carried out. They found that the chassis had twisted and advised that the car should be scrapped. You may wish to consider a similar approach, at least you then have some peace of mind on the condition of the Mini.
 

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Discussion Starter · #12 ·
Really glad you're ok and very sorry to see the state of the Mini.

A similar accident happened to me about 15 years ago in a 2 month old Audi A3. I was concerned about the condition of the car after such a significant impact and questioned the decision by the insurance company to repair the vehicle. As a compromise, we agreed that An independent AA inspection be carried out. They found that the chassis had twisted and advised that the car should be scrapped. You may wish to consider a similar approach, at least you then have some peace of mind on the condition of the Mini.


I totally agree about the insurer's own repairers, which is why I am having this done by my local mini dealer. if the chassis or similar is significantly damaged they will add it to the quote. I didn't opt for gap insurance, so if it is written off, I'll have a shortfall to pay :(
 

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I totally agree about the insurer's own repairers, which is why I am having this done by my local mini dealer. if the chassis or similar is significantly damaged they will add it to the quote. I didn't opt for gap insurance, so if it is written off, I'll have a shortfall to pay :(
Most insurance companies offer a new replacement if a car is less than 12 months old and written off. My understanding is that Gap Insurance only comes into force at the start of the second year. You can also buy Gap Insurance for several months after the purchase of the car, try a google search and see what is available. Also, it maybe a good idea to ring your insurance and check the terms of your cover.
 

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Discussion Starter · #18 ·
Just spoken to the mini bodyshop, they haven't had chance to take the bonnet off so can't say if its a write off, currently its 50:50 until they can see whats happening under the hood. Will find out tomorrow.

I've not got gap insurance, so I am guessing if they offer me market value as a write off amount, I can pursue the other party's insurer for the shortfall?
 

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A study of accident statistics in the UK a few years ago
found that yellow ( which would include VO) cars are
involved in proportionally fewer accidents per mile driven.
I guess the other driver didn't read it.
P.S. Don't have it repaired ! Make his insurers replace it !
 

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My insurance company pays full market value for first year so don't need gap insurance, and then you can take out gap insurance for following years. Also your insurance company should push his insurance company for full value and any losses you incur. My insurance company did this for me and I got new car and a hire car till mine replaced all at the cost of other drivers insurance.
 
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