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Old 28.05.2015, 09:21
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Re: Public transport bus crashed into my car

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In the case of the OP, and yourself, if your car gets wiped out tomorrow then the basic insurance is there to put you back in the situation you were prior to the accident - IE having a car of similar age, condition and specification.

For example if a bus took out my Disco tomorrow I'd expect a fair market offer of 26,000chf for it - and not say 18,000chf
You've missed the point. An insurance payout based on the theoretical replacement value doesn't address what for many of us is a major hassle -- trying to locate, and feel just as happy with, a replacement vehicle.

Regarding your "Disco", this is the problem -- that people frequently feel they get a raw deal with insurance. Yes, you can embark on negotiations and to-ing and fro-ing with insurance companies but again, it's a hassle that you don't deserve if someone has managed to write off your vehicle while it was lawfully parked.
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Old 28.05.2015, 09:29
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Re: Public transport bus crashed into my car

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You've missed the point. An insurance payout based on the theoretical replacement value doesn't address what for many of us is a major hassle -- trying to locate, and feel just as happy with, a replacement vehicle
You've missed the point - if you want supplementary services from your insurance company you need to make sure that you request that as part of your premium. For example, if you would like a hire car for up to a month while you look for a replacement car, that service would be available - and maybe cost you an extra 50-80chf per year on your premium. When you come to take out the policy you'd need to request it - and be happy paying the fee.

The same goes for "other" supplementaries - the most popular one being "premium" protection which costs about 10% of your premium.

Replacing the car is a hassle, I do not deny that, but on the grand scale of things, if you get an acceptable payout from the insurance you'll be in no worse position.
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Old 28.05.2015, 10:00
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Re: Public transport bus crashed into my car

I think the other point is that life is not perfect.

You could argue that the person who hit your vehicle should spend their time finding you a new one, but that's not realistic and I'm sure you wouldn't agree if the accident was the other way around.

Maybe it should be included in the insurance, but if not mandatory nobody would pay it when it only covers the other person, and I strongly believe that the mandatory part should be as low as possible.

Yes it's a hassle, but unless the accident was deliberate it's just one of those things that needs a bit of give-and-take in society.
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Old 28.05.2015, 11:00
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Re: Public transport bus crashed into my car

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What is more, the car was really in excellent condition, would have kept it a few more years even if it was several years old.
I know exactly what you mean. I don't really trust a used car unless I have worked on it extensively and got to know it. We don't yet know what model/year your car is, or what the damage is. In general though:

Cars like this (plus stolen recovered vehicles) are a "steal" when you buy them at auction, or from the insurer, sometimes for the price of a set of tyres. Stolen recovered, or accident damaged cars, can be someone's ex-pride and joy that they would never otherwise sell. All you do is buy another wreck (wrecked from the opposite side, or blown motor, etc), swap parts over, inspecting each meticulously. The result is something that can last even longer than the original pride an joy would have. Key spares left over can be sold on, and the remains sold as a job lot. Best done outside Switzerland. Usually though, just a few parts are needed, eg, 2x doors + wing, and these can often be picked up online in the correct colour.

In the UK, my XR4x4 Sierra was rear ended and written off while parked, and for 20 quid in parts, I had a few more years out of it, MOT'd too no problem, minor chassis damage that was easily corrected to MOT standard (though not perfect cosmetically).

I bought a mechanically excellent low mileage (manual) Fiat for my wife to practise for her Swiss test in. 300chf. Was marked a total loss by STVA on their file. 2 doors slightly dented and wing mirror knocked off! 50k km. On a switching plate, 3rd party only, it was virtually free to run.
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Old 28.05.2015, 23:21
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Re: Public transport bus crashed into my car

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Your car was in old, you can't expect to be given a brand new car to replace an old car . With the insurance money you can get a perfectly usable car, probably even newer than the one you had!
Lack of empathy, anyone?......It wasn't your car, that's why it's so easy for you to say. Why do I have to settle for a "perfectly usable car" when I had bought mine new? I don't want to buy a second-hand car and I don't have the money to get new one now, and I'm in this situation because of someone else's fault.
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Old 28.05.2015, 23:29
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Re: Public transport bus crashed into my car

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I think the other point is that life is not perfect.

You could argue that the person who hit your vehicle should spend their time finding you a new one, but that's not realistic and I'm sure you wouldn't agree if the accident was the other way around.

Maybe it should be included in the insurance, but if not mandatory nobody would pay it when it only covers the other person, and I strongly believe that the mandatory part should be as low as possible.

Yes it's a hassle, but unless the accident was deliberate it's just one of those things that needs a bit of give-and-take in society.
Yes I know what you mean, but a little detail: it wasn't a private person who ran over my car, it was a public transport company who should have public duty and take responsibility for their actions. Moreover, the street where I live is not a bus route and I'm yet to find out if buses are allowed to circulate on that road. It's difficult to understand how a public transport company can act as if nothing had happened and pass on the responsibility to the insurance company.
And it's not only a hassle, they left me without a car with a very small baby and my family visiting from the other side of the ocean....do you think I can really go car-shopping now? with money I don't have?
But yes, I agree with you and the other people that said this: life sucks and that's how it is.
Thanks again to those who provided useful comments. And groan groan to those who took it so lightly, because that's right: it's not their problem.
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  #47  
Old 28.05.2015, 23:29
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Re: Public transport bus crashed into my car

If you are offered a hire car, find out how long for. It may take you weeks to find another car , also ask in regards to this if you need to show any evidence of your search.

OH and make sure they offer you a car which is not too expensive to run and has permission to use the motorways etc......
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Old 29.05.2015, 00:33
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Re: Public transport bus crashed into my car

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Yes I know what you mean, but a little detail: it wasn't a private person who ran over my car, it was a public transport company who should have public duty and take responsibility for their actions.
I honestly don't get it. I mean it, I don't understand the problem. You have (had) an old car (yes, it was new -- once -- everything was, originally) which has been damaged by someone else. You seem to want a brand new car to replace your old, written-off car, which seems unreasonable to me. It also sounds as though you're upset that the car can't be repaired, meaning that you'd rather have your own car back, repaired (NEVER a good idea, trust me, panel beaters are not good at essentially building new cars), than an accident-free replacement car.

Then you point out that it was a public transport company employee who damaged your car. Why should she take any more responsibility for her actions than any other person? Or to put it another way, EVERYBODY has to take responsibility for their actions. Some of us (including all vehicle owners) take out insurance to relieve that responsibility a little.

But I have good news for you. You don't have to accept the insurance company's offer! You can sue the bus company and/or the driver, and hold out for a new car! Good luck with that.

I wonder how you'd react if it were you who caused the accident and the other party pursued you for damages.
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Old 29.05.2015, 00:59
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Re: Public transport bus crashed into my car

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I honestly don't get it. I mean it, I don't understand the problem.

Don't worry, you don't have to.

I wonder how you'd react if it were you who caused the accident and the other party pursued you for damages.
Really? I wonder how you'd react if the police knocked on your door at 5am scaring the hell out of you and your family, and when you come out in the street you find your car half-demolished and pushed into the field, and the bus driver saying she didn't know how it happened and telling you you have to deal with the problem yourself.
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Old 29.05.2015, 01:06
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Re: Public transport bus crashed into my car

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Really? I wonder how you'd react if the police knocked on your door at 5am scaring the hell out of you and your family, and when you come out in the street you find your car half-demolished and pushed into the field, and the bus driver saying she didn't know how it happened and telling you you have to deal with the problem yourself.
First, I'd check that the bus driver was OK. Then I'd call my insurance company and get them to sort it all out. What did you do?
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Old 29.05.2015, 01:21
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Re: Public transport bus crashed into my car

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First, I'd check that the bus driver was OK. Then I'd call my insurance company and get them to sort it all out. What did you do?
Oh, and then I'm being put to the test....funny.
Nevermind, my conscience is clear that I reacted the right way.
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Old 29.05.2015, 10:15
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Re: Public transport bus crashed into my car

I remember our first car, it was an old banger but we loved it!! We were so sad when it finally saw it's last day. Nobody could understand why!
The thing was that we were so comfortable with it and it was practical.

I think that you had a nasty shock , and are quite rightly very bitter about the whole experiance.

I expect that the bus driver also is still in shock and quite likely she did dose off or perhaps has an underlying medical condition?

Nethertheless it has happened and unfortunately you have to deal with the consequences of someone else's actions.

If you do wish to persue this further , then a few points to consider in your arguement would be....

How many hours had the driver been driving for?
Was she ill on the day or night of the accident?
Has she any underlying medical conditions which could have caused the crash?
Maybe the company needs to review their policy on shift patterns, allowing their staff to work overtime etc?


I have two small children and I remember those first baby days. You have a constant fear of " if my baby is ill or if something happens how can I get medical help the fastest?" In other words it's vital to have access to a car.

I know that you've said that you cannot afford a new car, would it an option to put the money which you have received down as a down payment for a car and pay monthly by finance?

Life is very cruel at times, unfortunately sometimes we just have to suck it up and move on. I have been given this advice in the past and I've had to do so , it's both sad and unfair. I have learnt though that if I let myself get caught up in a negative situation too much, then it affects me in other areas aswell.

Can you afford to sue? Is it really worth the hassle? This would go on for months and cause you untold stress and then at the end of it you would perhaps have the money but is money really worth all of that stress?

What does your wife think? I expect she probably just wants to forget that it ever happened.
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  #53  
Old 29.05.2015, 10:24
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Re: Public transport bus crashed into my car

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Thanks again to those who provided useful comments. And groan groan to those who took it so lightly, because that's right: it's not their problem.
I think requesting opinions on a help forum, then rejecting those opinions and being upset that people don't agree with you is not a way of gaining sympathy.

I do feel sorry for the loss of your car, but you won't change the view of most of the posters here that there isn't a better alternative system, and sometimes working with it and taking the advice on how best to manage is a sensible approach.

The time spent posting here after the first couple of helpful and comprehensive responses you received would have been better spent hassling the insurance company and the bus company.
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Old 29.05.2015, 10:27
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Re: Public transport bus crashed into my car

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Lack of empathy, anyone?......It wasn't your car, that's why it's so easy for you to say. Why do I have to settle for a "perfectly usable car" when I had bought mine new? I don't want to buy a second-hand car and I don't have the money to get new one now, and I'm in this situation because of someone else's fault.
At the time the car was destroyed was it new or used? If you valued your car so highly why did you not insure it for a fixed sum?

Repeating what was asked earlier: What car was it? When did you buy it new? And how much was the offer? There is sufficent knowledge on here from people who know the car market to help you in finding out whether what is offered is a FAIR value.

Insurance companies are more than happy to offer fixed sum insurance and to charge you appropriately for the priviledge. Perhaps this is route you'd like to pursue with the next car.
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Old 29.05.2015, 11:06
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Re: Public transport bus crashed into my car

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That is exactly what I meant...thank you for "translating" this for those who didn't understand me. What is more, the car was really in excellent condition, would have kept it a few more years even if it was several years old.
In the end we consulted a lawyer and they said not to bother going for the transport company, not worth it, to just take what the insurance gives us. Sigh.
The amount the insurance offered is less than half the price of what we paid for the car, and whereas I know my car does not have the same value as when bought (obviously), I wouldn't have replaced it at this point in time.
We had bought it new, and now we can't buy a new car with that money....why do I have to settle for a second-hand car? (anyway, rhetorical question....)
Thanks to everyone for the responses.
If it helps ease you pain: your car, which was half-demolished as you stated in a previous post, would be no better (when/if repaired) than a second-car which wasn't part of any accident.
Take what you can and be happy you weren't in the car at that moment. Life goes on!
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Old 29.05.2015, 11:14
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Re: Public transport bus crashed into my car

Happy Feet, it's been explained to you truthfully by people in this thread what exactly what happens in the case of an accident such as yours.

No amount of arguing or groaning at people who've given you an answer that you just don't happen to like is going to change the outcome of this, which will be that if your car is actually written off you'll receive the market value of your car based on it's model and age. That's how insurance works regardless of whether the other party was a private individual or an organisation.
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Old 29.05.2015, 15:49
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Re: Public transport bus crashed into my car

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In other words it's vital to have access to a car.
Yes inded, OP will die within two weeks due to the car having been wrecked.
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Old 29.05.2015, 15:53
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Re: Public transport bus crashed into my car

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Yes inded, OP will die within two weeks due to the car having been wrecked.

No need for that really was there?
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Old 29.05.2015, 15:53
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Re: Public transport bus crashed into my car

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Not in Switzerland - I have known people have a right off and been genuinely shocked by how much they received/offered for their car.
This. When my wife wrote her car off I braised myself or a fight for no reason. The settlement from the insurance company was well above what I expected.
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Old 29.05.2015, 17:29
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Re: Public transport bus crashed into my car

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No need for that really was there?
"Vital" was a bit over the top, no? An appropriate riposte, imo.
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