SWMBO in her infinite wisdom, side swiped a skip whilst parallel parking


It's caused not so much a scratch as an absolute gorge in the side of the car. It's a 2011 Toyota Yaris so market value of probably £2k.

Do you think the insurance company would write it off? Probably be £1k bodyshop

Click image to enlarge

Possibly , but the bigger concern at £1000 repair or a £2000 write off will be what the increase on future insurance premiums will be . Even with protected no claims there will certainly be higher premiums after a repair or a write off and you’ll declare a claim for 5 to 6 years . Also consider your repair or settlement will be nett of your policy excess . Taking all that into account If it can be repaired for a grand , I’d do that and leave the insurer out of it. 2009 GS Auto Zermatt Silver - Sold June 21 after 10 years of ownership

2016 Subaru Outback SE 2.0 diesel SE Premium Lineartronic Sold 2024 after 8 years and 80k miles . Best Car I ever owned !

2023 Toyota Hilux invincible X 2.8 Auto .

If that skip pulled out without indicating claim off it’s insurance.

For a £2K car, I'd just sand and spray it, and then run it till it dies. Steve

2008 TD4 HSE Auto, Zermatt Silver

Concur with SteveC. MY 09 GS manual in Lago Grey, Wood Co arm rest and side bumper strips - now sold.

MY 15 SD4 SE Auto Orkney Grey with colour coded Bumper Door Mouldings

For a 2k car skip the sanding & just get a 150g spray can in close enough colour. Procrastination, mankind's greatest labour saving device!

Acoustic insulation ARB TPMS 3xARB air compressors After cooler Air tank On-board OCD pressure air/water cleaning Additional 50L fuel Carpet in doors ABE 2x1kg Waeco 28L modified fridge Battery 4x26ah Solar 120w Victron MPPT 100/20 DC-DC 18amps 175amp jumper plug Awning 6x255/60R18

If she is fussy about the looks of the car the other alternative would be hunt down a used rear door (in the same colour if possible) and just fill and rattle can the arch damage. Regards

David

Lovely i6 has now gone, but not me......

Please let me know if anything in my post offends you, as I may wish to offend you again......

A second hand rear door would seem to cover most of the damage, alternatively if you leave it, I doubt if it will make much difference to trade in price when you come part exchange it.
The latter I know is true, from similar damage a few years ago on a Vauxhall Caviler, at car change time. FL2 XS SD4 Auto 2010 2012-2017 (21k - 91k miles) (MY2011)
FL2 Metropolis SD4 Auto 2014 2017- (16k - 76k+ miles) (MY2015)

How do you side swipe a skip that low down ? Even a mini skip would cause damage higher up due to the shape of it. This is a 4 yard skip and it's the lowest you can get (Yes, there is a 2 yard skip, but it's taller and shorter than the 4 Yard)

Click image to enlarge

My daughter was hit in the rear end of her Micra.
I said "write off" as tailgate was buckled and rear quarters, more importantly the boot floor was bend on the rear chassis arm.
I bought the car for her just 12 mths ago for £2k.
even I had estimated rebuild at £3K-3.5k

NO !....... insurance paid a total bill of £3,350 to repair it. (at the other parties cost)

Leave it and sell it on Ebay when you change car. I rolled a Saab down the A14 towing a Jaguar XJ-S behind it. I lost my excess, had a protected no claims, and got paid out two and a half times the amount that I originally paid for it. £3500 profit! I was amazed.

Interesting input, thanks

Re the size of the skip, I thought the same but on some skips there are fastening points for the lorry to lift it from which can be low down so I'm assuming it was that.

We buy any car have offered £1591 after physical inspection. LL.B (Hons) - University of Derby
LOT (Lord of Time) - University of Gallifrey

Just to update this, the insurer authorised repair and it is like new again now. SWMBO paid £225 total excess. Repair would have been £1500. Car is actually worth £4k maybe a bit more. LL.B (Hons) - University of Derby
LOT (Lord of Time) - University of Gallifrey

The Doctor wrote:

SWMBO in her infinite wisdom, side swiped a skip whilst parallel parking


It's caused not so much a scratch as an absolute gorge in the side of the car. It's a 2011 Toyota Yaris so market value of probably £2k.

Do you think the insurance company would write it off? Probably be £1k bodyshop

Click image to enlarge

It has to be this bad to be a total loss


 (Now Sold). 2008 Freelander 2 (Nazca Sand) SE TD4 Auto. Statutory write off & on WOVR for hail damage but still road legal.
171037Km as of 09/05/22
Superchips Bluefin Flash
Nanocom Evo II (also sold)

All the more reason to buy the HSE with the panoramic roof, had the same problem in Cyprus, roof OK but €200 for a bonnet repair. My son had his VW Caddy written off for the same reason but his had side damage as well in Brisbane my PC is slightly to the right of Genghis
2012 HSE SD4 In Orkney Grey now gone, best car ever.