S211 Someone Run in to the Rear

[amb67]

That's good to hear Malcolm, I must say I was starting to worry a little.

I may take this as an opportunity to upgrade the car if the insurance decide to not repair. I think it will still be an E Class estate but perhaps a newer model, not 100% sure I like the 212 enough to see it on the driveway.

I must say that my premiums were not affected at all when a car reversed into mine while parked.

 

[television]

A 211 as of 06-06 does not have SBC brakes and very nice cars

 

[SortedE320]

Don't forget to claim for an increase in insurance premiums for the next few years, even a no fault claim will increase your premiums as they claim you are more likely to have another accident??

I'm not saying that's wrong, but it should be. We've recently had a similar experience and our broker assured us it wouldn't be registered on our claim file - just the third parties.

Cheers,

SE320

 

[star]

That's what we thought, but when we went to renew with a different company it was bought up and the premiums were increased by£100. We argued the point but they were adamant it was the case.
We always thought a no fault accident would not affect your premiums but in some cases it does. Try getting quotes with and without a no fault accident.

Insurance co. want it both ways!

 

[Benz17]

Don't forget to claim for an increase in insurance premiums for the next few years, even a no fault claim will increase your premiums as they claim you are more likely to have another accident??

I am sorry to say that the above is absolutely true, around 18 months ago I was also rear ended, and it was worse then yours, I was also worried as you are that they insurance would write the car off, but even after taking into account storage charges and car hire charges they offered to repair it, I will put up some pitcures of the damage later on, yes when my insurance came up for renewal one has to declare any accidents fault or non fault and if you have a non fault accident premium do go up by around £100, as happened in my case

 

[television]

In my case it was with LV and they did not increase the premium, that has 7 years ago

 

[Benz17]

http://forums.mercedesclub.org.uk/showthread.php?p=705201#post705201

Pitcures of my damage will be on the above link

 

[star]

In my case it was with LV and they did not increase the premium, that has 7 years ago

7yrs ago, unfortunely things seem to have changed and insurance co.s will claw back all they can at our expense.

 

[ThinkPad]

Yes. Premiums definitely go up even with non fault. Of course in cases although in the book may go down as non fault it is a way of judging a driver. Even some non fault could be avoided by ultra careful drivers! Not saying that is case here. But insurance companies use all parameters available to them.
Otherwise they wouldn't ask the question!

 

[Xtractorfan]

Some insurance companies do increase premiums, but most do not ...so shop around.
You can also claim for depreciation due to the car being accident damaged and therefore now worth less money....

 

[EmilysDad]

I don't think that is correct unless someone was injured. All you are required to do is to provide name and address,both of the driver and the vehicle owner if that differs,not your insurance details.However you are required to provide your insurance details if a policeman at the scene asks you to do so.

That's my understanding too.

 

[amb67]

Crikey

Crikey yours looked really bad, did they repair that and more to the point was you OK after that, it must have been a hell of an impact?

If the boot floor was damaged is it viable to repair, surely if they have to replace the floor panel it becomes an expensive repair?

http://forums.mercedesclub.org.uk/showthread.php?p=705201#post705201

Pitcures of my damage will be on the above link

 

[Xtractorfan]

The floor panel from memory is just a plastic tub to hold the spare wheel, not sure on the estate tho.. but your car is a fairly minor repair and little damage done to the boot floor..

 

[amb67]

I hope it is an easy repair, however the images I took probably don't show the true extent of the damage.

The floor panel from memory is just a plastic tub to hold the spare wheel, not sure on the estate tho.. but your car is a fairly minor repair and little damage done to the boot floor..

 

[Benz17]

Crikey yours looked really bad, did they repair that and more to the point was you OK after that, it must have been a hell of an impact?

If the boot floor was damaged is it viable to repair, surely if they have to replace the floor panel it becomes an expensive repair?

http://forums.mercedesclub.org.uk/showthread.php?t=86397

The above link will show you how the car looked after the repair. Yes I was ok no damage to me physically, just a big shock to see what happened to the car after only 2 months ownership, I was lucky in a sense that there was no damage to the floor, and also the impact did not damage both rear wings. Even today she is good as gold, no after effects of the impact.

 

[amb67]

Wow, that looks like new.

Fingers crossed mine will be repaired and restored as yours was.

Glad you were OK too.

http://forums.mercedesclub.org.uk/showthread.php?t=86397

The above link will show you how the car looked after the repair. Yes I was ok no damage to me physically, just a big shock to see what happened to the car after only 2 months ownership, I was lucky in a sense that there was no damage to the floor, and also the impact did not damage both rear wings. Even today she is good as gold, no after effects of the impact.

 

[amb67]

I don't think I understand what you're saying!

So the insurance company of the driver that caused the accident makes a payment to offset the depreciation on my car, is that if it's repaired only?

What happens if they decide not to repair, how do they calculate the settlement figure and what are my rights?

Any help appreciated

Actually, we have they same problem about this incident but all I have to do is I formally contact my insurance company to take over this problem and I finally found that some of the insurance company well give a depreciation for this kind of problem.

 

[Xtractorfan]

The inspecting engineer will assess the damage, then if the cost of repair+ any other costs ..ie. storage or tow in charges ..If these costs come to more that 2/3 of the cars value, then the insurance company will write the car off...
The amount they will offer you for your car initially will be pathetic and in no way will reflect the true value of the car, so you will have to fight to get what your car is really worth...
But I really dont think your car is in that category ..how old is your car and what mileage?

 

[amb67]

Update:

Spoke to the insurance company today and they are starting repairs and have advised that all genuine Mercedes-Benz parts will be used. Feeling happier now and although the loaned Jaguar XF is nice and new it certainly isn't a Mercedes-Benz.

They have advised that the repairs will conform to Mercedes standards and will not invalidate my anti perforation warranty on the bodywork. To be honest I think I'm going to get rid of the car as soon as possible it's been a bit of a pain and I just want rid of it now.

 

[television]

Then good news and bad news,, what will you buy