OT: Car Repair Vs Write off after accident
Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences? Regards, Patrick Sent from my BlackBerry®
make / model? Usually to within reasonable extent the Insurance will use the costs charged by the authorized garage to repair to determine if it makes sense to repair or just write off. On Sat, Feb 21, 2015 at 7:34 PM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences?
Regards, Patrick Sent from my BlackBerry® _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------
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-- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
Hi Patrick, Pole sana for you situation. Let me try answering based on my experience. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? This depends on the kind of damage. If its a minor dent or broken light then they will repair but for deformed body or bent chassis then they will write off. II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? Airbag deployment means the interior is ripped off means they might just replace the dash board since its replaceable. It depends on the level of damage though. III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? For a damaged chassis I would suggest getting a new car. IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences? I have dealt with Top quality auto <http://topqualityautoltd.com/> The repaired mine and I loved it. Am covered by Jubilee so check if they are in your insurance panel. Regards, Job Muriuki, Skype: heviejob On Sat, Feb 21, 2015 at 7:34 PM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences?
Regards, Patrick Sent from my BlackBerry® _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------
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@Patrick, to give some relative idea, November last year, I was car jacked in a 1500cc subaru impreza, the 2005 model, the car jackers made off with the head lights, side mirrors, rear view mirror, OEM radio, they took one rear light, broke the other, they also took the center grilles components. The car drove fine in that condition, infact, I drove it to several police stations as-was. CIC wrote it off. So, if my example is anything to go by, I am 99% they will write yours off, seeing as your damage is a lot more severe. My broker told me that if the cost of repair is more than half the insured amount, they write it off. I was also told that the salvage car industry is big business to the favour of the insurance company, so they tend to easily write off the car. For airbag and chassis damage, I would also strongly suggest you just get another car. On Sat, Feb 21, 2015 at 8:12 PM, Job Muriuki via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi Patrick, Pole sana for you situation. Let me try answering based on my experience.
I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? This depends on the kind of damage. If its a minor dent or broken light then they will repair but for deformed body or bent chassis then they will write off. II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? Airbag deployment means the interior is ripped off means they might just replace the dash board since its replaceable. It depends on the level of damage though. III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? For a damaged chassis I would suggest getting a new car. IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences? I have dealt with Top quality auto <http://topqualityautoltd.com/> The repaired mine and I loved it. Am covered by Jubilee so check if they are in your insurance panel.
Regards, Job Muriuki,
Skype: heviejob
On Sat, Feb 21, 2015 at 7:34 PM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences?
Regards, Patrick Sent from my BlackBerry® _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------
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The insurance industry is full of corruption and its on that basis that i give my advice. 1. If you gave your a car a proper value(most people undervalue for lower premiums) , then make sure they write it off. I mean use every means possible to you. I hope you took excess protection so that you dont incur any costs. The car will never feel the same after an accident. 2. If the assessor has an interest on your damaged car, they will most likely write it off. Give them an interest. On Feb 22, 2015 11:07 AM, "Peter Karunyu via skunkworks" < skunkworks@lists.my.co.ke> wrote:
@Patrick, to give some relative idea, November last year, I was car jacked in a 1500cc subaru impreza, the 2005 model, the car jackers made off with the head lights, side mirrors, rear view mirror, OEM radio, they took one rear light, broke the other, they also took the center grilles components. The car drove fine in that condition, infact, I drove it to several police stations as-was.
CIC wrote it off.
So, if my example is anything to go by, I am 99% they will write yours off, seeing as your damage is a lot more severe.
My broker told me that if the cost of repair is more than half the insured amount, they write it off.
I was also told that the salvage car industry is big business to the favour of the insurance company, so they tend to easily write off the car.
For airbag and chassis damage, I would also strongly suggest you just get another car.
On Sat, Feb 21, 2015 at 8:12 PM, Job Muriuki via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi Patrick, Pole sana for you situation. Let me try answering based on my experience.
I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? This depends on the kind of damage. If its a minor dent or broken light then they will repair but for deformed body or bent chassis then they will write off. II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? Airbag deployment means the interior is ripped off means they might just replace the dash board since its replaceable. It depends on the level of damage though. III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? For a damaged chassis I would suggest getting a new car. IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences? I have dealt with Top quality auto <http://topqualityautoltd.com/> The repaired mine and I loved it. Am covered by Jubilee so check if they are in your insurance panel.
Regards, Job Muriuki,
Skype: heviejob
On Sat, Feb 21, 2015 at 7:34 PM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences?
Regards, Patrick Sent from my BlackBerry® _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------
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very true Jared On 22 February 2015 at 12:52, Jared Koyier via skunkworks < skunkworks@lists.my.co.ke> wrote:
The insurance industry is full of corruption and its on that basis that i give my advice.
1. If you gave your a car a proper value(most people undervalue for lower premiums) , then make sure they write it off. I mean use every means possible to you. I hope you took excess protection so that you dont incur any costs. The car will never feel the same after an accident.
2. If the assessor has an interest on your damaged car, they will most likely write it off. Give them an interest. On Feb 22, 2015 11:07 AM, "Peter Karunyu via skunkworks" < skunkworks@lists.my.co.ke> wrote:
@Patrick, to give some relative idea, November last year, I was car jacked in a 1500cc subaru impreza, the 2005 model, the car jackers made off with the head lights, side mirrors, rear view mirror, OEM radio, they took one rear light, broke the other, they also took the center grilles components. The car drove fine in that condition, infact, I drove it to several police stations as-was.
CIC wrote it off.
So, if my example is anything to go by, I am 99% they will write yours off, seeing as your damage is a lot more severe.
My broker told me that if the cost of repair is more than half the insured amount, they write it off.
I was also told that the salvage car industry is big business to the favour of the insurance company, so they tend to easily write off the car.
For airbag and chassis damage, I would also strongly suggest you just get another car.
On Sat, Feb 21, 2015 at 8:12 PM, Job Muriuki via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi Patrick, Pole sana for you situation. Let me try answering based on my experience.
I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? This depends on the kind of damage. If its a minor dent or broken light then they will repair but for deformed body or bent chassis then they will write off. II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? Airbag deployment means the interior is ripped off means they might just replace the dash board since its replaceable. It depends on the level of damage though. III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? For a damaged chassis I would suggest getting a new car. IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences? I have dealt with Top quality auto <http://topqualityautoltd.com/> The repaired mine and I loved it. Am covered by Jubilee so check if they are in your insurance panel.
Regards, Job Muriuki,
Skype: heviejob
On Sat, Feb 21, 2015 at 7:34 PM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences?
Regards, Patrick Sent from my BlackBerry® _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------
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If air bags were deployed then most likely the insurance will write-off though they can be replaced by replacing the whole dashboard and steering. Also that smell will never fade away...Pole sana Kind Regards, Kennedy KK Mobile: +254721699119 / +254725292261 Skype: k.kairu Gtalk: kkairu On Sat, Feb 21, 2015 at 7:34 PM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences?
Regards, Patrick Sent from my BlackBerry® _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------
Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
PatrickPole sanaWho is your insurer ??Use all possible means to write off this car ..............After such an accident,even if you take the car to the manufacture ,it will never be the same !! Sammy On Monday, 23 February 2015, 9:06, Kennedy Kairu Kariuki via skunkworks <skunkworks@lists.my.co.ke> wrote: If air bags were deployed then most likely the insurance will write-off though they can be replaced by replacing the whole dashboard and steering. Also that smell will never fade away...Pole sana Kind Regards, Kennedy KK Mobile: +254721699119 / +254725292261 Skype: k.kairu Gtalk: kkairu On Sat, Feb 21, 2015 at 7:34 PM, Patrick Mathenge via skunkworks <skunkworks@lists.my.co.ke> wrote: Hi all, Last evening my wife had quite a severe car collision. She was checked and she's fine other than a few bruises. The car has since been towed to a police station, and is awaiting inspection on monday. I am however a bit anxious about a few issues. I) Is there a specific formula that insurance co.s in Kenya use to determine if the car is straight away a write off vis a viz repairable? II) To what extent do air bags deployment determine which route this decision takes/are there any known reliable guys who can fix airbags in Kenya? III) Do I want to keep the car considering that all airbags were fired and there could be considerable chasis frame damage? How advisable? IV) Lastly, I'd appreciate contacts of any good mechs/garages possible along Thika road as my insurance has given me that leeway to take the car to a garage of my choice. Any experiences? Regards, Patrick Sent from my BlackBerry® _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
Thanks Sammy. I am with Real Insurance. Certainly pushing for a write off. Cheerz Sent from my BlackBerry® -----Original Message----- From: Sammy Mutua via skunkworks <skunkworks@lists.my.co.ke> Date: Mon, 23 Feb 2015 07:52:12 To: Kennedy Kairu Kariuki<kkairu@gmail.com>; Skunkworks Mailing List<skunkworks@lists.my.co.ke> Reply-To: Sammy Mutua <mutuasami@yahoo.com>, Skunkworks Mailing List <skunkworks@lists.my.co.ke> Subject: Re: [Skunkworks] OT: Car Repair Vs Write off after accident _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
Pole sana, if told to take it to a garage take it to High End garages Like St Austine, they will give a quite that the insurance would rather write off than repair the car at a very high cost, True to one comment above the car will never feel the same after an accident unless Engine, Suspensions, chassis was never affected Regards On Mon, Feb 23, 2015 at 11:07 AM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Thanks Sammy. I am with Real Insurance. Certainly pushing for a write off. Cheerz Sent from my BlackBerry®
-----Original Message----- From: Sammy Mutua via skunkworks <skunkworks@lists.my.co.ke> Date: Mon, 23 Feb 2015 07:52:12 To: Kennedy Kairu Kariuki<kkairu@gmail.com>; Skunkworks Mailing List< skunkworks@lists.my.co.ke> Reply-To: Sammy Mutua <mutuasami@yahoo.com>, Skunkworks Mailing List <skunkworks@lists.my.co.ke> Subject: Re: [Skunkworks] OT: Car Repair Vs Write off after accident
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-- ./Cal “ *Copy and paste is a design error.* ” - David Parnas System Software Developer/Analyst BMC Remedy ITSM Certified Administrator @calvinebarongo
St. Austins !! On Mon, Feb 23, 2015 at 3:20 PM, Calvin Omari via skunkworks < skunkworks@lists.my.co.ke> wrote:
Pole sana,
if told to take it to a garage take it to High End garages Like St Austine, they will give a quite that the insurance would rather write off than repair the car at a very high cost, True to one comment above the car will never feel the same after an accident unless Engine, Suspensions, chassis was never affected
Regards
On Mon, Feb 23, 2015 at 11:07 AM, Patrick Mathenge via skunkworks < skunkworks@lists.my.co.ke> wrote:
Thanks Sammy. I am with Real Insurance. Certainly pushing for a write off. Cheerz Sent from my BlackBerry®
-----Original Message----- From: Sammy Mutua via skunkworks <skunkworks@lists.my.co.ke> Date: Mon, 23 Feb 2015 07:52:12 To: Kennedy Kairu Kariuki<kkairu@gmail.com>; Skunkworks Mailing List< skunkworks@lists.my.co.ke> Reply-To: Sammy Mutua <mutuasami@yahoo.com>, Skunkworks Mailing List <skunkworks@lists.my.co.ke> Subject: Re: [Skunkworks] OT: Car Repair Vs Write off after accident
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-- ./Cal
“ *Copy and paste is a design error.* ” - David Parnas
System Software Developer/Analyst BMC Remedy ITSM Certified Administrator @calvinebarongo
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-- ALVIN OCHOLA 0722-313923 www.greenline.co.ke
participants (10)
-
Alvin Jason Ochieng -
Calvin Omari -
Collins Areba -
Jangita Nyagudi -
Jared Koyier -
Job Muriuki -
Kennedy Kairu Kariuki -
Patrick Mathenge -
Peter Karunyu -
Sammy Mutua