Hi all,
So despite being relatively new to this forum I have found everyone very helpful and thought that you could help me following an accident (not my fault) that I had recently. I was driving down the M4 and following a sudden slow down I was rear-ended by the car behind which was driving too fast, tailgating, had 7 people inside etc. He couldn't stop in time and swerved hitting the rear left of my car and also hit another car in the middle lane next to me (at least I have a witness).
The highways agency, police, and a fire car came to move the cars to the hard shoulder and thankfully details were exchanged. Moving forward and today my beloved Mini Cooper has been towed away to a repair shop. However, after doing some research about write off's, I am 99.9% certain the car will be written off! I am gutted because this is my first car which I saved up 3 years for. It was immaculate and I had invested a lot of money into it (new stereo, front rear suspension bushes, remap, detail, new headlight bulbs, new rear wiper motor, 4 new tyres, new remote key).
I want to know what I should do now in terms of moving forward with the insurance company. I know they will write it off and offer me next to nothing for the car and I assume that the costs for the money spent will not be reclaimed too. Would it be worth buying the car back from them and repairing it myself? I have legal cover with my insurance so don't know if that might help?
Any advice is really appreciated and I have attached some photos.
Cheers,
Tom
So despite being relatively new to this forum I have found everyone very helpful and thought that you could help me following an accident (not my fault) that I had recently. I was driving down the M4 and following a sudden slow down I was rear-ended by the car behind which was driving too fast, tailgating, had 7 people inside etc. He couldn't stop in time and swerved hitting the rear left of my car and also hit another car in the middle lane next to me (at least I have a witness).
The highways agency, police, and a fire car came to move the cars to the hard shoulder and thankfully details were exchanged. Moving forward and today my beloved Mini Cooper has been towed away to a repair shop. However, after doing some research about write off's, I am 99.9% certain the car will be written off! I am gutted because this is my first car which I saved up 3 years for. It was immaculate and I had invested a lot of money into it (new stereo, front rear suspension bushes, remap, detail, new headlight bulbs, new rear wiper motor, 4 new tyres, new remote key).
I want to know what I should do now in terms of moving forward with the insurance company. I know they will write it off and offer me next to nothing for the car and I assume that the costs for the money spent will not be reclaimed too. Would it be worth buying the car back from them and repairing it myself? I have legal cover with my insurance so don't know if that might help?
Any advice is really appreciated and I have attached some photos.
Cheers,
Tom