Insurance claims on cars

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Thu 28 Oct 2021 03:24
Insurance claims on cars - tbg

I'll try to be quick.

Related to another post on here.

My wife is currently going through a no fault claim ( she got hit from behind while stationery ) and we are still looking at getting a second hand car and this accident made me think , is there a way to reliably see if a car I'm interested in has had an insurance claim against it similar to the situation we have going on Ourselves.

Not necessarily a write off but still a decent bump , one that would maybe give second thoughts about buying the car.

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Thu 28 Oct 2021 06:34
Insurance claims on cars - RT

AFAIK ordinary accident repairs aren't recorded - just as a used car may have had major work under warranty which doesn't show anywhere - my previous car had an engine rebuild under warranty at 34,000 and the reason I moved it on at the end of it's warranty but subsequent owners won't have any way of knowing that.

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Thu 28 Oct 2021 08:29
Insurance claims on cars - Will deBeast

My uncle (who owned a major bodywork shop) was visiting. From 30-40 metres away, He observed that our neighbour's 1-year old car had had a major accident. Neighbour was completely unaware and the car had been sold by a main dealer.

Nothing has changed - unless repairs have been done via the dealer network, there will be no record.

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Thu 28 Oct 2021 10:06
Insurance claims on cars - tbg

Damn it.

Thanks for that. I was thinking that. I couldn't see anything on the interweb.

Darn it

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Sun 31 Oct 2021 09:24
Insurance claims on cars - barney100

A car damaged in a collision can be repaired very well. SWMBO's V70 got a good hit five years ago, many many parts and re alignment, took a couple of months due to some parts or other not coming through. Done about 70k in it in the meantime. Just made the Volvo high mileage register.

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Sun 31 Oct 2021 10:54
Insurance claims on cars - Falkirk Bairn

There's a database set up & used by car insurance companies. Heavy damage & write-offs are listed.

However there is a major hole in the scheme.

Many large employers with company fleets of cars & vans only insure the fleet 3rd Party. A company I worked for did that on their 2500 car fleet - they paid something like £1,000 3rd party only per car - Comprehensive was north of £3,000.

They would claim off any 3rd party in an accident in the hope of winning even when it was their driver's fault. They had write-offs but not insurance write-offs and they sold them on to back street body shops for repair - the attraction to the trade buyer was there was no history of the accident damage on the database.

So a "Clean HPI Report" might not be clean and harbour a dark past.

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