Repair cost

[Musa]

So my car got hit by a lady . And pop up hood activated.

Front lower bumper is damaged .

Corner Sensor, fog light and I can see car under tray cover as well. I have told my insurance company thinking it will be too much for me . It's a 63 reg car . Now my worry is will it be written off or repaired.

Thanks

 

[wharfhouse]

On 2/15/2022 at 8:26 AM, Musa said:

So my car got hit by a lady . And pop up hood activated.

Front lower bumper is damaged .

Corner Sensor, fog light and I can see car under tray cover as well. I have told my insurance company thinking it will be too much for me . It's a 63 reg car . Now my worry is will it be written off or repaired.

Thanks

 

There is a good chance it will be a write off unfortunately as the pop up hood replacement costs are quite high as are many of the other parts you mention. As a rule of thumb if the estimated repair cost is more than about 60% of the replacement cost of a like for like car the insurance companies tend to write off as it's easier for them than managing the repair and having other issues crop up.

A few years ago I hit a tyre that had come off a lorry on the motorway - I didn't think the damage was all that bad - other than the bumper there was no actual bodywork damage but quite a bit of damage on one side behind the bumper. The haulage company took responsibility for it fortunately and I took my IS 300h to Lexus for repair and the final bill to the 3rd party insurance company was over £13,000 - another £1,000 or so and Lexus told me it would have been written off (a like for like replacement at the time would have been about £17K).

I would prepare now by looking at the cost to replace your car like for like. With the costs of second hand cars having gone up so much you need to make sure you don't get fobbed off with a low write off offer - negotiate hard if you are not happy with the offer using some factual information on what the same cars are selling for, especially as it wasn't your fault.