Dealing With A Written Off Car (When It’s Not Your Fault!)

Dealing With A Written Off Car (When It’s Not Your Fault!)

This year I will have been driving for sixteen years. Whilst this makes me feel very old, I’m pleased to say that until recently, I have been very lucky when it comes to driving, accidents and insurance claims. However, this was all set to change at the beginning of last month, when I had to deal with having a my car written off. Or, in official insurance terms – my car being declared a total loss.

It sounds stressful. It was.

It’s pretty obvious that when you begin driving, and for all the times that you get into a car to travel somewhere, you understand that, to a certain degree, you are putting yourself at risk – just by being out on the road. I would imagine (I have to imagine, as thankfully I haven’t ever been in that situation), that should you ever be in an accident whilst out on the road, that you can accept the situation a little easier, as you are actually out on the road. You kind of put yourself in a vulnerable situation just by driving. The point I’m slowly getting at it (bare with me!), is that I found my circumstances really hard to accept, because I wasn’t out on the road driving. My car was innocently parked at the front of my house. It was minding it’s own business. It was doing nothing wrong.

It was a Sunday lunchtime and all three of us were upstairs in our house. We have a semi-detached house and live on a corner. The cul-de-sac next to our house is a no through road and there are lots more houses. It’s a relatively quiet neighbourhood and traffic should be slow and sensible. Accept on this particular day it was nothing like slow and sensible. It was erratic and unnecessary.

To cut rather a long story short, I was sat on my bed, tapping away on my laptop, much as I am doing now, when all of a sudden I heard two loud bangs. There is some kind of sadistic irony in the fact that I actually thought to myself “Wouldn’t it be really shit if someone has just smashed into my car?!” Well, that is exactly what had happened. As far as we can work out, the lady that did it had been coming up the road at the side of our house, she hadn’t been looking. At the junction she hit a car coming from her left and shunted him up the road. Because she was turning left, she then span out of control and then ended up in the side of my car. I looked out of the window when hearing the the commotion and can remember shouting out if it “How the hell did you do that?!” (plus a few more expletives!). On first glance it was difficult to see how on earth she had ended up where she was.

Dealing With A Written Off Car

This was just the beginning of a drawn out process. I say drawn out – it lasted about a month but it felt like so much longer. Thankfully, the lady concerned admitted liability immediately and so it was a relatively straight forward process, but stressful nonetheless. That afternoon, I spent most of it on the phone to my insurance company who went through everything what felt like a hundred times over. Because she had accepted liability and that none of this was my fault, I was told that I could have a hire car at no cost to me. This was arranged for the following day and at some point over the next couple of days I would receive a call to arrange collection of my poor car.

We moved the car onto our drive and it was not a pleasant experience. There was no control whatsoever and I whilst the damage didn’t look that bad on the outside, I think deep down I knew it wasn’t in a good way. It was like driving on an ice rink. Really quite scary.

Dealing With A Written Off Car

Dealing With A Written Off Car

The next day, sure enough I had a lovely brand new hire car delivered and the day after that my car was collected. My poor Fiesta looked very pitiful on the back of the recovery truck. Little did I know, that was the last time we would see each other.

Dealing With A Written Off Car

There she goes…

It took them about three days to assess the damage and then on the Friday, I had the call I had been dreading. My car had been assessed and had been considered a total loss. The suspension, to put it bluntly, was knackered. It would cost thousands to repair.

So that was that. They would now look at giving me a payout based on the value of my car pre-accident. I waited another few days for this and had the call offering me a figure on the Tuesday of the following week. So I spent my weekend, researching myself, what I think the car was worth. Or more to the point, what kind of figure I would need  to replace my car like for like. Thankfully, despite me being armed and ready for them when they called with a figure that wasn’t acceptable, the offer I had was just right. So I accepted and that got the ball rolling.

Later that week after hours scouring Auto-Trader, I found a nice Peugeot 208 in black. It was more than what we had to spend, but we figured if we are going to have to buy a new car, a newer one with a few more mod cons would be nice. We went to view it that weekend and the rest really is history. I fell in love with the car.

Dealing With A Written Off Car

My new black beauty…

I agreed to buy it. The garage were very understanding and realised that I was waiting for the payout and so wait was what I had to do. A week or so later, I received the cheque and it was all systems go. I would collect the car later that week.

Whilst it doesn’t sound that stressful now. At the time it was. I have never spent so much time on the phone for various reasons. I’m not one for phone calls at the best of times. I hate situations where I have to talk to so many strangers over the phone. I could have quite easily handed over all control to my husband, but I didn’t. I dealt with the whole thing from start to finish. I’m quite proud of myself for that.

I know things like this happen on a daily basis, but it’s so so frustrating when you do nothing wrong. My poor car was just sat there. I guess it was in the wrong place at the wrong time.

I’m lucky that my insurance company were so good. I’m lucky she admitted liability so easily. It could have been a whole lot worse.

Thankfully there was no claim on my insurance so it doesn’t affect my premium, although one thing I am super grateful for is that I am not the lady who did all of this. Damaging three cars including her own, I can be certain hers has gone through the roof.

I just hope it’s made her drive more sensibly from now on. And if it does happen to her again, that she apologises to whoever it affects next time. Because I’m still waiting. Somehow I think maybe that ship has sailed! But I’m not bitter. Much.


Have you ever been in accident that wasn’t your fault? Have you had your car written off? Let me know in the comments.


I regularly link up to these lovely linkys.



  1. Lesley O'Donnell
    20th March 2017 / 8:45 am

    Many years ago I was rear ended and the courtesy car offered to me was a Ka! In those days transporting two 6’4″ & 6’3″ high school boys and all their gear meant I had to tell them the Ka wAsnt suitable. I wasn’t believed and they sent someone to meet us!
    A Ford Estate replaced the Ka next day.

    Proud of how you handled it all hunny x

  2. 20th March 2017 / 7:13 pm

    Oh wow. What a shit way to lose a car! I was in a crash that wasn’t my Failt back in September 2015 when 10 weeks pregnant with my daughter. Long story short I’m still waiting for the payout for injuries. The car was salvageable (just) with repairs totalling £6,500!i was stationary and got hit by a van that was doing 40+mph. (I blogged about it, post called car seats and car crashes) The endless hours of phone calls, medical appointments and waiting 9 weeks for my car to be repaired were definitely hyper stressful! Glad you were able to find a replacement car so quickly! Thank you for sharing #Anythinggoes

  3. 20th March 2017 / 10:00 pm

    My Mum’s car was recently written off and it is so stressful. We spent 2 full days going to all different places looking for another!
    At least you weren’t in the car and you have a nice shiny replacement!

  4. 20th March 2017 / 10:23 pm

    Fingers crossed, I have never had an accident. I have had friends who have and know how stressful it was for them. It’s good you found a nice car for yourself afterwards.

  5. 21st March 2017 / 7:05 am

    Bloody hell what an accident! I can’t believe it happened outside your house. At least it meant none of you were hurt! And you have a shiny new car! Thanks for hosting #triumphanttales x

  6. Roxanne
    21st March 2017 / 7:08 am

    Oh poor you! That’s the worst when it’s not your fault. I haven’t yet been in that situation (touch wood) but I imagine it’s horrible xxx

  7. 21st March 2017 / 7:55 am

    Wow! How stressful. So sorry about your car and the whole fiasco you’ve had to endure. I hope the lady that caused the damage has learned her lesson and drives with more care in future. Thankfully nobody was injured – apart from your poor little car 😕 #TriumphantTales

  8. 21st March 2017 / 9:02 am

    Oh no! That is horrendously bad luck… it happened to a friend of mine once whilst we were on a weekend away… got the shock of our lives when we went to leave and her car was a smashed up heap – no driver details either…
    Love the black beauty!

  9. 21st March 2017 / 10:32 am

    Oh gosh, what a stress!! Glad it’s all sorted. I’ve had a couple of cars written off but it was always my own fault! I wrote my dads car off a week after I passed my test at 17, smashed head on straight into a tree! These days I’m a much better driver, although I did knock my own front wall down last year when I misjudged the driveway, aggh! #triumphanttales

  10. 21st March 2017 / 10:45 am

    This kind of thing is sooo stressful. I’d be lost without our car even for few hours on most days. And it’s all the drama of everything. At least no one was hurt and hopefully some lessons learnt by the other parties. Thanks for hosting #triumphanttales

  11. 21st March 2017 / 11:51 am

    Oh dear. That’s either ‘sh*t for luck* or karma. I have a theory that everything happens for a reason. In this situation I’d like to think that your car was most likely going to be written off sooner or later (through no fault of your own) so it’s far better that it happened when no one is in it, than the scary alternative. Plus you got a new car! woohoo!
    silver linings and all that.

  12. 21st March 2017 / 1:36 pm

    Oh no! Poor car. Atleast you weren’t in the accident though. xx

  13. 21st March 2017 / 2:05 pm

    that really sucks. Great that you got a nice new car out of it, but that week in between must have been shit. At least nobody was in it at the time! #triumphanttales ( I remembered )

  14. Nige
    21st March 2017 / 2:07 pm

    What a nightmare hope it all gets sorted thanks for hosting # triumphanttales

  15. Brittany | A Mindful Geek
    21st March 2017 / 2:37 pm

    OMG, that was awful. I am glad you are safe and got a new car. This seems like such a stressful situation. But it seems like you handled it like a pro! #TriumphantTales

  16. Laura Beresford
    21st March 2017 / 6:08 pm

    A coach crashed into my partner’s car at a roundabout about 4 months ago. He was not hurt thankfully and the car was repairable but it was so stressful getting everything sorted. Hope your new car lives up to expectations! #TriumphantTales

  17. 22nd March 2017 / 12:13 pm

    Someone crashed in to the back of me when I first passed my test & it scared the life out of me! Hope you are happy with the new car #TriumphantTales

  18. 22nd March 2017 / 7:22 pm

    i had a right battle with the insurance company when i was driving my car and a wheel fell off, first they tried to say it was my fault and down to lack of maintenance, until i researched and proved the car had a) never been recalled for this fault and b) the (insert technical name) bit that fell off was a non serviceable part, so it was an accident and they had to pay out, I got my hire car replacement and my car back on the road 6 weeks later,which i then sold as we were leaving the country. yes, very stressful #triumphanttales

  19. 22nd March 2017 / 10:00 pm

    Oh, that really sucks! I haven’t managed to write a car off yet, I side swiped a trolley park in my mums car not long after I passed my test, but luckily I just paid for it to be fixed, rather than going through insurance! #TriumphantTales

  20. Carolina Twin Mom / Mary Peterson
    23rd March 2017 / 7:22 pm

    Ohhhh yes. NOT a fun process. About 14 years ago I was driving about 45 mph when a 16-year-old girl coming from the opposite direction made a lefthand turn directly in front of my car. Needless to say, I creamed her.

    The bad news? She was driving a teeny tiny car that could not stand up to my boat of an old-school Acura. She was injured but not in a life-threatening way.

    The good news? She had no passenger in her car. If she had, there is no way I could imagine that person would have lived. Also, being fairly long-legged, I sit far back from the steering wheel so my face didn’t hit the airbag when it deployed. I had no idea before this accident how damn bad airbags can hurt a person’s skin! I walked away from the accident unhurt, except for the second degree airbag burns on my arm.

    And yep, my car was totaled. My beloved car! But in the end, I was so relieved that the girl would be OK that it didn’t seem to matter as much.

    Enjoy your new wheels! 🙂

  21. 24th March 2017 / 11:13 am

    OMG what a nightmare darling! I feel so bad for you all. I guess the silver lining is the new car though and it’s always the same that you ending up spending more than you wanted. Thanks for linking up to #coolmumclub lovely xoxo

  22. 25th March 2017 / 7:18 am

    I have had a couple of knocks and one big accident then last year I was knocked off my scooter too. It is very very scary! Glad you were OK. I think it is the headache of trying to sort everything out afterwards that makes the whole thing worse, there must be an easier system! Thank you for linking up to #ablogginggoodtime 🎉

  23. Katy - Hot Pink Wellingtons
    25th March 2017 / 2:45 pm

    What an awful things to happen! I know I’d find that really difficult to accept as well, but I’m glad you were able to find a new car you like just as much. I had my car written off when I was in my early twenties – it was a pretty old car (but with hardly any mileage and in great condition), and the damage was so minimal, so I was gutted when they declared it a total loss and told me they would be coming to get it that afternoon. Thankfully I called my Dad in tears (they were only going to pay me £200 for the car!!) and he told me to call them back and say we would get it repaired ourselves, which we did. £150 later and a new bumper, new MOT etc. and it was all sorted. But I’m embarrassed to say that that accident was totally my fault! Thanks for joining us at #SharingtheBlogLove

  24. 25th March 2017 / 10:41 pm

    Oh that is super stressful! It’s the phone calls that take it out of you, isn’t it? I felt so sorry for your poor car being taken away 🙁 I’m glad you got a decent payout though, that would’ve been my first worry that they would’ve given a pittance. Enjoy your new car and stay safe xxx Thanks so much for linking this up to #DreamTeam! 🙂

  25. 26th March 2017 / 10:49 am

    What a mess and so frustrating! I’m so glad the lady admitted liability! I crashed into a car parked when learning to drive. My poor mum’s car as she had never had a bump! Glad all
    Sorted and thanks for sharing with #bestandworst x

  26. 26th March 2017 / 4:34 pm

    glad things turned out well in the end for you – it’s such a long-drawn, stressful process – which is ridiculous when someone has admitted fault. A few years ago, I got a car and it was parked on the main road. It was stationary and the police refused to come out even though it had made a mess in the road. The driver looked a bit dodgy and had a young pregnant girl in the front. He wanted to leave and take her to hospital after giving us the details and as the police said they weren’t coming, we couldn’t detain him. Turned out he had given us a non-existing address (the street was a real street but the number didn’t exist). The car wasn’t registered to him, and all the insurance details were false. We got nothing and the car was written off!

  27. 28th March 2017 / 2:33 pm

    How stressful for you and very frustrating when it wasn’t your fault. I had someone do a hit and run on me last summer and it was a difficult time. My car was able to be fixed but because they didn’t stop I had to claim on my insurance. very annoying! Thank you for joining us at #SharingtheBlogLove

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