Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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I bought my missus a 62 plate Corsa 1.2 Active last thursday, I say bought - it's all in my name she just pays me the payments as she's a supply teacher and thought getting finance might be sticky in her name.
We got 7 day free insurance which runs out tomorrow, it's in my name and she's a named driver- though the propery policy would be in her name with myself as a named driver when we come to renew tomorrow.
This morning on her way to work, somebody in front braked quite suddenly to turn off the A-Road they were on, my missus slammed on and managed to stop without hitting the micra in front - but the 12 plate Merc behind my missus ploughed right into the back of her  My missus then got punted into the Micra in front, but at much slower speed than the impact between Merc and Corsa.
The Merc has got pretty nasty frontal damage, though I'm sure it's all crumple zones making it over dramatic.
Corsa has got a smashed rear bumper - no obvious creasing under the boot carpet but the boot lid popped open and won't close again. Front of corsa is caved in, but less dramatic than the rear - little crease on the bonnet too.
Micra had a little dent to the rear - got away with it compared to the other two tbh.
Everyone stuck around at the scene, and I got called from work so I went to go calm everyone down and make sure the relevant details were recorded. I rang the dealer we got the car from, and he put me through to the vauxhall insurance people who immediately decided that my missus was no way at fault and we wouldn't have to pay excess or lose NCB 
My missus has a (genuine) sore neck so insurance people advised to go to minor injuries and have somebody look at it - we did that and confirmed it's whiplash so that has been noted. As my missus is a supply teacher too, she's also noted down loss of earnings for today.
It's been a reasonably smooth experience so far, but we'll see if the merc driver has a different version of the truth etc.
I was going to wash/polish and wax the corsa this weekend and post some photo's up... don't think I'll bother now 
Odds on for write off? 
[Edited on 26-09-2012 by Kyle T]
Lotus Elise 111R
Impreza WRX STi
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nathy_87
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Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
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I'm confused. One sentence your missus didn't hit the micra then in the next breath it's dented it a little?
Sorry to hear that though Kyle.
[Edited on 26-09-2012 by nathy_87]
[Edited on 26-09-2012 by nathy_87]
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VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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quote:
Originally posted by nathy_87
I'm confused. One sentence your missus didn't]/b] hit the micra then in the next breath it's dented it a little?
Sorry to hear that though Kyle.
[Edited on 26-09-2012 by nathy_87]
Really!
The merc pushed the corsa into the micra
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
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You say she didn't hit the micra, then talk about the front caved in?
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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ah yeah, sorry. My missus stopped clear of the micra, then the punt from the Merc drove her into the back of the Micra... if that makes sense.
I'll video some dominos if needed 
Lotus Elise 111R
Impreza WRX STi
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
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Repost on my part.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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I'd be checking the policy documentation and hoping it says that it'll replace a under year old car with a brand new one and hoping it is.
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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quote:
Originally posted by pow
I'd be checking the policy documentation and hoping it says that it'll replace a under year old car with a brand new one and hoping it is.
We've got GAP with the dealership, is that what you mean?
Lotus Elise 111R
Impreza WRX STi
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Wrighty
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Registered: 28th Feb 04
Location: Howden
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oops
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
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It's usually the case that you'll get a brand new car if written off under a year old. Your gap insurance will cover it if not.
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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quote:
Originally posted by Kyle T
quote:
Originally posted by pow
I'd be checking the policy documentation and hoping it says that it'll replace a under year old car with a brand new one and hoping it is.
We've got GAP with the dealership, is that what you mean?
No m8
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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I would be wanting a new one tbh. Just tell the insurance company that's what you want for x and y reason, its up to them to fight it with the merc's insurance
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