For those who don’t know, I crashed my Viggen two weeks ago at a driver training event on a track here in Hobart. It’s been two weeks without my car, and I’m starting to get really antsy about it. More on that in a moment.
A few people have asked via email about what’s happening with it. Well, at the moment we’re in a state of limbo while I wait for the insurer to make up their mind as to whether the car will be covered under my comprehensive insurance policy. As the accident happened on a track, there’s some rules as to what’s acceptable and what’s not in terms of it being an insurable event.
It was a driver training event and I did have an appropriately qualified instructor in the car with me at the time. Hopefully, for those reasons, it will be covered. But insurance companies aren’t in business to just give away money so if they can find some wiggle room, I’m sure they’ll try and wiggle.
Because it happened on a track, they have a regular procedure where they appoint an investigator to look into the circumstances. This has happened and I found out on Friday that the investigator’s report has made it’s way to the insurer, though they haven’t made a decision on it yet. They told me I should know something by Wednesday.
As I see it, I’m facing three realistic scenarios:
1) They decide that they won’t cover it due to the nature of the event.
In this scenario, I’m stuffed. I’ll have to store the car until I can put the money together to fix it, which will be a considerable amount. I’ll have to get another car to get me around until that happens.
2) They do cover it and the car gets fixed.
Self explanatory, the only question will be how long it takes to get repaired. under my insurance I have free choice as to who repairs the car, so naturally I’ll be going to the best guys in town, Bocchinos. Being the best, they have a reasonably long waiting period and therefore, I may still need to get another car to get me around (can you see where this is heading?)
3) They cover it, but the cost of repairs is too much and they write the car off.
This is not as unlikely as it sounds. The following repairs at minimum will need to be done:
Wheels (most likely all four) – $2,000
Tyres (again, all four likely) – $1,200 or so
New front and rear spoilers – ??
New wheel bearings x2 – $
New rear axle – $2,000
Straightening of chassis at rear – ??
Front spoiler mesh – ??
Front fog lights – ??
Associated panel work and painting – ??
And that’s the bare minimum that I’ve talked about with my mechanic. I’ll ask Bocchinos to also test the Konis as they took a beating and I’m sure they’ll find other bits and pieces that I have no idea of. Given that the car is most likely going to be worth less after it’s repaired, the insurance company is going to have to give some consideration to the value of fixing it.
And obviously, if it’s written off, I’m going to need to get another car.
I’ve started looking into new rides. The ideal car will meet two basic criteria. First, it’ll be relatively inexpensive. Second, it’ll be an older Saab.
I had given some thought to indulging my Alfa fetish, but I think that needs to be a secondary thing, maybe next year. I also think I’ll be better off with an older car. I love my Viggen. I’ve never owned a better car in my life, but even with everything I love about it, I still have a bigger soft spot for my old 99 Turbo.
What can I say? I’m a sucker for old cars. I think I’m probably going to end up with an old one and we get a newer one eventually for the Mrs.
There’s two new cars I’m looking at. One’s a 1985 Saab 900 Aero in excellent condition. It’s owned by a guy in Sydney whose 99 Turbo has featured in these pages before. Thankfully, Simon seems to have another deal lined up that’ll net him a 900i in exchange, so I feel OK about considering what to do.
The other car is one I’ve always wanted and I need to find a good example for sale at reasonable money. It’s a 9000 Carlsson. I’ve always loved these and if I can find one reasonably soon then it might be worth checking out. I’m taking one for a spin tomorrow just to see what the drive’s like.
So that’s where it’s at. The Viggen’s in limbo but even if it gets fixed, its future in terms of my driveway is less than assured. This has been a difficult decision to come to, but I feel like a weight has been lifted now that it’s (almost) done.
Of course, all of that could change in the next 24 hours, too, as I still have to get the new car past the minister for war and finance here at home.
Any thoughts appreciated.