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Car accident. Valuation of RHD car

Hi

I have searched the forum and have read such worrying info that I thought I would start my own post!

Briefly; I was involved in a car accident last Thursday on the school run, rural road, I was approaching a junction to turn right, young woman turned left into my road completely cutting the corner and hit me head on, no major injuries (thankfully, especially since I had my 5yr old in the back).

Completed and signed the constat (with the help of what seemed half the village!); other woman agreed (and made the appropriate cross) that it was entirely her fault. Photos of the accident were also taken.

My car has been assessed to be a write-off. We are currently awaiting the valuation of the car. The woman who works at the garage (and is friends with the assessor) said that it was not looking good for the valuation as it is RHD.

Car is a french registered Scenic Dynamique (late 2001) 1.6 16v with 103,000 kms with good service history in VGC (or was!). Insured for toutes risques.

Does anyone know how the assessor works out the valuation of RHD cars? As I said I have searched the forum and found posts suggesting that assessors have valued RHD cars at 'nil' in the past. I'm not expecting to get the same pay-out as for a LHD but surely the pay-out must be realistic. We have been lent a courtesy car but it's not clear how long we will get to keep it.

Has anyone else been in a similar position? Are payouts on RHDs really that bad and if so is it really worth taking out toutes risques insurance for a RHD car?

Many thanks for any comments

Lotmontel
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Re: Car accident. Valuation of RHD car

If you used an insurance agent I suggest talking to them now. Come armed with a calculation of how much it would cost to replace the car with a similar RHD car. Make sure you have everything covered, cert of conformity, headlamps plus labour, new plates and registration taxes. You have no leaverage with the valuer but they may have some. Toutes risk versus third party rearly depends what happens if car is written off and how much extra it costs.
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Re: Car accident. Valuation of RHD car

Ty for your reply Anton Redman II.

Our insurance is arranged through an Insurance broker so I will contact them on Friday (after the bank holiday). I'm surprised that I would need to discuss the valuation with the insurance company as other posts on here have said that one would need to negotiate with the assessor.

However, do you think that a photocopy of the relevant page of the lastest Glass (?) magazine would suffice for the value of the car in the UK? If not, do you have any ideas about what evidence the insurance company would need to accept the value in the UK.

The cumulative cost of the CoC, change of headlamps, carte grise and registration plates should be easy enough to ascertain as will the premier registration in France eco-tax be easy to calculate.

I may even throw in the cost of the lift to the airport, one way flight to the UK, taxi / train fees to pick up the car / hotel fees / ferry crossing / fuel for driving the car back to exactly the spot where the accident happened!!!

I'm being flippant but I'm still so angry at the other driver and will be even more so if I end up having an inferior car just because she was driving like a maniac on the wrong side of the road!

Anton, I don't understand your last sentence. Are you saying that toutes risques for RHDs is worth it, or one can never know if it is worth it until your car is written-off and then you find out!

Thank you for replying,

Lotmontel
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Re: Car accident. Valuation of RHD car

The standard procedure in the case of an accident like this is for the insurer to appoint an assessor to determine the cost of repairing the vehicle and submit a report to them.  If his report determines that the cost of repairs will exceed the vehicle's market value (as set down in the Argus Cote) then the insurer will 'write-off' the vehicle and offer the Argus Cote value in compensation.  The standard Argus value is adjustable up or down to take into account the mileage, certain optional extras fitted and any recent repairs which may have enhanced the vehicle's value.  In practice, as this is a pre-determined fixed offer, it will be normally made by the assessor on behalf of the insurer, to whom any dispute should be addressed.

If your insurance company did not specifically require you to disclose the fact that it was a RHD vehicle at the time of the initial proposal and there is no specific exclusion or limiting condition mentioned in the policy terms, then there would be no reason for the standard Argus valuation not to apply.  Note that there is no provision in the Argus Cote system to 'down-value' a right hand drive vehicle.

Rather than leaping in to argue for a UK valuation (which is likely to be somewhat lower than a French one), I'd be inclined to wait for the insurer's/assessor's report.

Your can work out the Argus Value of your car with this on-line calculator

 


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Re: Car accident. Valuation of RHD car

 Sunday Driver wrote:
Your can work out the Argus Value of your car with this on-line calculator  

That is a nifty site; my almost 14 year old Saxo is valued at 1560€. I am in shock.

Sue

Computing - it's another world
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Re: Car accident. Valuation of RHD car

Very interesting. Thanks SD.

We put a car for sale today on a certain anglophone forum and have had loads of whinges about the asking price. As it's just under half of the Argus valuation it reinforces my view of the users of that forum. Cheapskates.

Will

intentionally blank signature

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Re: Car accident. Valuation of RHD car

I would say it was somewhere in the middle. I persuaded my insurer that that the UK invoice price plus € 2500 for the grief of sorting out ECC and paying for immatriculation was OK. Say € 14000 neither of us wanted a declared value of € 35000 which was what Stewart & Arden in Bordeaux wanted for an LHD Jaguar with the same kilometres and about the same age. There must be some discount for  RHD in France even if it has a full ECC
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Re: Car accident. Valuation of RHD car

Thank you all for your replies. The argus website was interesting - it is curious how private sellers here are asking for considerably more than the actual argus value! Perhaps it is a seller's market?!

Thank you again.
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