[Oxygen Thief]

Originally Posted by doc_ab

Glad your ok mate which is what really matters at the end of the day. Hope you get a good settlement and can use it to get another motor that you can enjoy.

Thanks, looking at the damage I'm hoping it will be written off. If it does then I'm thinking of getting rid of my classic mini and getting something stupidly impractical for a weekend toy and using the good ladies 1er day to day.

[Dsport]

Glad you walked away ok, its not good to be in any accident but with a 44tonne could have been a lot worse, I'd go get yourself a lotto ticket

[MEGA]

Originally Posted by Reece

Whiplash all day long that, car dont look great, glad everyone is ok though, i would personally have a claim on whiplash if you have a good gp you will get it done without missing work, it will give you the money to source another and whatever mods you may have done

I'm late to the party, but endorsing fraudulent insurance claims on the internet makes you both f*cking stupid and also a total prat

[Reece]

Originally Posted by Wazza26

Fucking clown. Excuse my french.

Originally Posted by Bfc1882

You my friend are an absolute bell

Originally Posted by dest

Thanks for helping all of our premiums go up if thats the sort of advice you give out

Originally Posted by doughboy

Are you for real?

It must be a joke, as only a complete fuckwit would mean it.

OP sorry about your crash, and sorry the thread was spoilt by this dick.

Originally Posted by MEGA

I'm late to the party, but endorsing fraudulent insurance claims on the internet makes you both f*cking stupid and also a total prat

Il say a few bits 1st before i explain why i said it, theres hundreds of people doing this everyday who stage crashes and put premiums up they will always find a way to have a claim thats their "job" if you like, someone hit my dad in his car and tried claiming whiplash. So as for insurances going up you will never stop that.

The reason i said it was from my past experience, i was sitting at a set of traffic lights roughly 10 cars back on the bottom of a slight hill, i was in a mercedes sprinter 3 tonne van, stationary waiting for the lights i got hit up the ass so hard it shunted my van with me on the brakes 3-4 metres and bumped the car in front, the car that hit me was a vw touran, with that me and the 2 blokes in the van obviously not expecting it flew forward inside 1 without his belt on headbutted the screen. As it all happened so quick and no damage to the van as he hit the towbar and it being friday afternoon traffic in south east london i left him there. Felt fine until i woke up the next morning, and my neck and back were in bits, i felt like i had been 12 rounds with mike tyson. From that i missed 3 weeks at work as it had upset an old slipped disc, and i had a stiff neck for a week or so, at the time i was playing semi pro ice hockey and earning from that and i missed 6 games.
All in all my total losses were just over £3000. Now if i had of stayed there and police been called etc i would have been able to claim and gain my losses pretty much. But as at the time i think with adrenaline and a bit of shock i felt fine.

Thing is why should the OP be out of pocket when its not his fault, he will end up loosing excess, waste hours on end on the phone etc, then hours trying to find the right car again.
Glad he was fine and at the end of the day its a bit off metal.
1 more claim from someone who was actually in an accident is not going to affect any of our insurance premiums

[dest]

But you're suggesting he claims before there are any symptoms, that's the bit that winds people up

[Reece]

Originally Posted by dest

But you're suggesting he claims before there are any symptoms, that's the bit that winds people up

Yes i can understand that, but if his going to end up out of pocket and possibly a car thats not what he had, why not have a claim? I have no problem with someone that actually gets hit in the back when not there fault should always claim, for the "companies" that do staged crashes its wrong and most of the time foreigners, these are the people that put our premiums up

[gangzoom]

Originally Posted by Reece

......but if his going to end up out of pocket and possibly a car thats not what he had, why not have a claim?.....and most of the time foreigners, these are the people that put our premiums up

Using the 'every one else does it so why shouldn't I' defence and than 'let's blame it on the foreigners'.....You Sir will make a good MP

[Reece]

Im not saying its all foreigners but alot of the time it is.

Just hate seeing people out of pocket for something that wasnt there fault thats all

[Dizzle]

At least you walked away from it! Poor e91.......

[bracken78]

Ouch. Nice to see a e91 stand up well to a truck!

[Ajerthan]

Raw! Glad your all fine. Critical damage there, saving that is pretty much useless.

[Oxygen Thief]

Thanks for the kind comments gents. Looking at the damage I have a funny feeling that the car will be turned into a rather large paper weight. The good news is that it held up very well to getting shafted from behind by a 40ft lorry and the passenger compartment was intact.

I'll admit I'm in a bit of pain but I've felt worse after a game of rugby and unless I suddenly lose the ability to turn my head I have no intention of putting in a claim as it could impact on my job too.

[MERLIN335i]

Phil,

Glad that you survived physically, if not financially.

I hope you removed the most valuable part of the car, before they towed it away Happy replacement hunting, Michael.

[Oxygen Thief]

Originally Posted by MERLIN335i

Phil,

Glad that you survived physically, if not financially.

I hope you removed the most valuable part of the car, before they towed it away Happy replacement hunting, Michael.

Michael,

Funnily enough that was one of the first things I removed from the car before it was recovered. I guess I'll just need to get another 6 cylinder car to replace it.

Phil :

[Oxygen Thief]

Well, I've just got a quote through for the repairs. The garage reckon it'll cost £14.8k so I'm guessing that it'll be written off.

What do you guys think I should be looking for as an insurance pay out?

Phil

[MEGA]

What mileage is on the car? What factory fitted optional extras does it have (you can use the latter to fight from their first offer which will be very low and argue for more)

Does it have any additional stereo or etc in there?

[Oxygen Thief]

Originally Posted by MEGA

What mileage is on the car? What factory fitted optional extras does it have (you can use the latter to fight from their first offer which will be very low and argue for more)

Does it have any additional stereo or etc in there?

It was sitting with just over 72k miles. I've had a look on Glasses and it says £13.4k trade in but I know I wouldn't be able to find a LCI 330d E91 with Pro Nav and leather for anywhere near that figure.

[dommoly]

I think they write it off once repairs get to ~80% (maybe less) of the book value, so my guess is that you won't get it back.

Glad you're ok btw!