Husband just crashed the car. Panicking no money for new car

[Idolovechocolategimmygimmy]

I'm pregnant and due in 3 months with my second child. We have no support. We live rurally and husband commutes and just crashed. Insurance company will write off the car guaranteed and we have no money for a new car. We need 2 cars. Absolutely panicking. Feel like life is just against us and everyone manages just fine except us constantly only just getting by. Most my family live abroad and don't care about us and my husbands family live in a different UK country and never visit. We always have to go to them and even then don't feel welcome. I don't know what we are going to do now. I could cry.

If it’s written off you’ll get the money that it’s worth?

Calm down. The important thing is your husband wasn't injured.
If the vehicle is a write off, your insurance company will pay out enough for you to at least get something. Can you look at finance? Public transport? Running your husband around for a short while?
One of our cars is currently flooding and the other is abandond at a garage waiting for emergency work to be done. We also have nothing. It's so shit but dh has got a lift into work and once other car is fixed I will be up and leaving an hour earlier than I should to run him to work and DS to nursery before going to work myself and doing the same on the way back. It's shit but there's nothing that can be done.
You will find a solution

I hope your DH is ok, and no one was hurt?
If insurance writes it off, would you not get that amount back to you?
Check and see if your insurance offers a loaner car.

There are decent low cost cars out there- may not last forever, but will see you through. Perhaps start making some calls to car lots?

Good luck, and hope it gets sorted quickly

If it's written off you'll get the pre accident value (PAV) which will be offered by whoever is at fault in the accident. If you use an accident management company (can only do this if your husband isn't at fault) then you should get a hire car.

My car was written off in an accident (not my fault). My insurance company paid out the value of the car. I also was given a rental car whilst the claim was being sorted - it took about 3 weeks to get the money iirc.

Your insurance company should arrange for you to have a hire car immediately until they pay out.

Once you've got the money you have to return the rental car pretty quickly so be prepared for that. If you know roughly what the car was worth you can start looking at what you can buy and then quickly get something when the insurance money comes through.

I’m assuming the OP only has third party insurance therefore there will be no payout.

If insurance pay out, they only pay out what car is worth now, not what it was worth when purchased.

The great news is that your husband is not going to spend the next 5 weeks in an induced coma & have to have multiple surgeries to keep him alive

With the insurance money you could look at a Putting a deposit down and having a lease car

Cars are expensive, a drain on finances, would it be cheaper to move closer to a town?

He has just slid off the road in ice.
I'm sorry to hear about the flooding is that due to weather? It's terrible seeing those affected and I'm so sorry this is happening you.

My husband works shifts. Unsocial hours so public transport is often not an option. The car is 15 years old and will get very little for it. I need a car for work too, as I have to drive to appointments and my company do not supply company cars. It's very complicated. He's fine thank god but obviously took a corner too quickly. We have no savings. Does anyone have advice on finance options? I've only bought older cars outright but don't have enough money for that.
Thank you for your replies and support. We are so much alone here and I struggle with the lack of support and no family around.

First of all sit down and work out if you 100% need 2 cars immediately. Can one of you drive the other to a place you can get public transport to work, for example? Maybe stretch things out till your maternity leave and then either your DH can just use the car or you can drop him somewhere if you need to use it. It might be a ballache but not necessarily impossible and this will give you more time to save.

I take it you only have 3rd party insurance if you’re panicking over having nothing? If you will get any sort of payout, can you look into getting an old banger for £1000-£2000 as a runaround?

Ah cross post re: antisocial hours, so the public transport option won’t work while you’re both working.

Generally, you sound really unhappy and isolated - are you sure living rurally is for you?

A) you might be able to buy back the written off car from the insurance company at a low cost and get it fixed yourselves. I have friends who have done that

B) if you're both working you should be able to get a loan to buy a replacement car.

Hello everyone,

We've had a number of reports from people concerned about this thread so, as we usually do in these circumstances, we're putting our heads round the door with some important reminders.

Right now we can't see any evidence to indicate that the OP isn't above board – if we did, we'd remove the thread straight away. But the truth is that, sadly, we at MNHQ can't know with 100% certainty that any poster is genuine, no matter who they are or how long they have been here. As frustrating as it is, we're not able to vouch for anyone here.

So we always ask users to remember that not everyone on the internet is who they say they are – and remind folk not to give more to another poster, either financially (in cash or gifts) or emotionally (in time or care and support) than they'd be prepared to lose if things went wrong. Though, we strongly advise against parting with any cash or giving away your personal details, and if you receive a PM which makes you uneasy - report it to us and we’ll take a look.

Sorry to hijack your thread briefly there, OP – we really hope you get it all sorted soon.

If you have to drive for work, your company can get you a hire car. Often cheaper than paying you 45 pence a mile anyway. Then your DH can use your car to get to his work.

But living rurally, needing cars for work and having no savings to replace them isn't sustainable. Are you low earners?

Have you reviewed your budget to free up money for car costs? From what you say it's impossible to say whether you really don't have enough money, or if you're just bad at budgeting and prioritising essentials above discretionary spending. If you're driving for work, they should be paying you 45 pence per mile, so firstly don't use your own car for work if they don't do this and if they do, you need to be saving some of the money in a car fund, so you can replace cars when they need it.

On the matter of your DHs car, if it is still driveable, can he keep it and just drive it with the scratches and dents? Or he will just have to buy a car with the insurance payout. DPs car was written off when someone else crashed into it. His insurance paid out within days and the money was enough to buy a similar car, so it might not be as bad as you fear.

I'm sorry to hear about the flooding is that due to weather?
Yes, it is in a public car park as high up as we can get it. All routes out of the town are flooded so we just have to watch it flood. We've owned it 2 weeks. But that's just a car. Others are watching their homes flood so we are lucky.

Use the pay out from insurances as a down payment on a car and finance the rest. Or, a bank loan may help you. But it depends on your credit rating

Depending how bad the damage is, you might be able to get the write off decision disputed; or buy the car back. "Uneconomical to repair" is different to "complete write-off"

www.moneysupermarket.com/car-insurance/articles/rights-and-wrongs-of-insurance-write-off/

There is a wider issue around your lack of financial support and being pregnant as well. It may be the right time for a very hard look at what you are both doing and how, to see if the numbers stack up post-birth (i.e. could your husband be a SAHD to save the costs of the commute etc)

Like a PP says, use the insurance pay out as a deposit and finance the rest.

This really isn't something to stress too much about, honestly. It happens, sadly it's life! It's hard when you're caught up in stress but remember no one got hurt and that's the main thing.

This will all get sorted :)

You say the insurance will pay out, albeit very little, so presumably its comprehensive insurance? In which case your husband is hopefully entitled to a rental car whilst it gets sorted.

I live rurally with no option of public transport for work. We prioritise the cars as we need them. Look at your budget and work out if it's better to buy an old banger which will be cheap upfront but potinitially expensive if it goes wrong, or get a car on finance where theres a fixed cost each month but everything is included (except insurance). That might be difficult to pay for whilst you are on maternity leave.

Longer term is there any way you could move to an area that has public transport or is within cycling distance to work?

Your insurance company should arrange for you to have a hire car immediately until they pay out.

Not all companies do this as standard.

@MintyMabel hopefully the OP has ensured she has that included as she is reliant on the car.

it isn't always possible to get a hire car for a write off, and anything over a few years old will now be written off with any bump due to the repair/insurance cartel.

if it is a lower category write off (i.e cosmetic damage) then the answer is to buy it from the insurers, repair with ebay scrapyard bits and then keep driving. If it is classed as 'dangerous' then it is of course game over.

www.hippoleasing.co.uk/search/

You can get used lease cars at under £100 per month, £20 VED and economical on fuel & insurance. Something like the Skoda, up or Seat will be cheaper for insurance as parts are plentiful (well until brexit kicks in to the supply) and £20 a year car tax

Hi everyone. I'm sorry to have disappeared for a bit. I have an all consuming job and a toddler and generally lots of running around last couple of days as we have only 1 car. DH has managed to get a lift this week and next week it's nights so he can take the other car and return it by the time I go to work.
Someone said do I enjoy living here? Good question. I don't know anyone and tbh, not really! But I do it because it's the best thing for my family. Where we were before we would only be able to afford a flat. Here we can have a house and the schools are better and it's a n all-round safer place.
The car that was crashed is very old. Will likely only get about £600 for it.
Life has been so hard over the last 3 years and I was hoping things would get easier this year which is why it was a good time to have another baby before I'm too old! But now that's all come crashing down.... literally!
This post is 100% genuine and life is just not easy. Looks like another hard 3-4 years ahead and trying to stop DH living beyond our means which causes friction. I've settled a bit now and accepted it's not within my control and I'll just have to shove my big girl pants on and face it. I'd like to busy my head in the sand and leave DH to sort it all but if I do that he'll go out and get a flash car that's he's always wanted and we will have nothing. He doesn't care about money but we have a baby coming and a toddler so although this is going to cause arguments I'll have to put a lid on his spending. It's just very stressful.
Thank you for your replies. If you have any finance options on cars I would gladly hear it!

you can buy a serviceable car for £600. Only on MN do you need expensive finance to get a gas guzzling SUV. Look on your local facebook selling groups, the cars won't be pretty but they will get you around.

sounds like you have more of a husband problem. Time for him to grow up. And I would strongly suggest no more kids until he does!

You can lease a car for about £150 a month if you’re not picky about the model. Have a look at yes lease.