yea the 1k is to fix the other car

look on the bright side, your fine, subframe is good, engine is good.

shouldn't be to long till you fix it, dont get discouraged, work on it and you will be more happy with the finished product

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http://www.ausmini.com/forums/viewtopic.php?t=71255

Wow, its only worth $425 and all it needs is new front panels. If the front subframe isnt damaged i wouldnt let that go away. Its wrong they offered you so little for that.

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Simplify and add lightness

tell us a bit about your beast.............before it got hit.

thats just an average salvage price from the auction place for a mini that is written off, so they have to take it away from the amount they were offering - its just what the insurance companies do.

but yea, need to think about what im going to do now. I did have a few dramas with the engine, kept popping out of fourth and stuff so im thinking maybe get a bit of work done on it.

was this mini insured full comp or just 3rd party???
seems like you are paying lots....salvage rights etc....i never paid salvage rights threw shannons???my last mini was paid out in full...i got my full pay out.. $12.000 .minus the excess of $500 as it was my fault....car got written off...i got to keep the car.....and i did get the inspector offering me to buy the car as well as he had a freind who wantd one....i just said no....

i feel for you..as its a shite having to pay out excess plus money to get the car back etc...plus having to pay for repairs out of ya own pocket....
good luck with the repair...

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started a new project...there goes all my free time....

Hang on a minute - I know why this made my head hurt before - i've had a think about it and I still don't understand how you end up so out of pocket.

Let's say you drove your car into a wall, entirely your fault, but a mistake nonetheless, your insurance would pay out the market/agreed value of the car minus your excess. So you'd get $3650. Then you'd have the option (a seperate matter entirely) of buying the wreck back @ $425, so you would end up with your damaged car plus $3225 to get it fixed. Bearing in mind that the reason they wrote it off is because they judged it would cost more than that to fix (Beyond Economical Repair)

This should be no different, you should still get paid out the $4650 minus the $1k XS. And then you can buy the car back from them. If they don't pay out on the policy then they don't get to own your car to sell it back to you. In you scenario here the only payout appears to come from the other insurer...?

(of course one difference is that your future premiums would go updue to an 'at fault' claim but that's not the point, they should still pay out on the claim regardless)

The apportion of blame is for the insurance companies to decide between themselves for their accounting purposes and surely and should not impact what you get one little bit - the only effect would be that they have apportioned 85% blame to you so you will have an 'at fault' claim on your record.

Otherwise, you'd be better off just telling them that you drove into a ditch???

Someone please tell me I'M NOT GOING NUTS, does that make sense to anyone else??

I agree with you scuba steve...scratching my head too...

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Starlet Conversion:
http://www.ausmini.com/forums/viewtopic.php?t=15484

it's because its third party insurance only. so she's paying for 15% of my car. but the 1k excess is to get her car fixed.

Aah, missed that part.

suggest you get full comp insurance next time.....any good mini out there should be insured for no less than $6000.....my last one was insured for $12.000.
piece of mind in the case of an accident....

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started a new project...there goes all my free time....

Please give Vigyl insurance a call (its now called Lumley Special Vehicles). Over 30yr old car there's no age access for under 25s (so $250 excess only), you get discounts for being a club member, they do agreed value and free wreck retention and their service is good and prices are awesome - really. Just describe to them how enthusiastic you are about your car, how you've restored it together with your neighbour (from what I remember from a few years back) etc etc . So that the impression is created that you are an enthusiast not a hoon with a shitbox.