Full Comp question - What if I don't want to write off?

Adams1

Hey,

Lets say I have an accident, and I was the cause of the accident and my car is not worth the repair so they offer a write off. If I don't accept and wish to keep my car, will they still repair the other parties car?

Thanks!

hartcjhart

why dont you stop cluttering up the boards with stupid questions and use part of the big toolbar on the top of your computer that says 'GOOGLE'

mcjordi

you can choose not to claim for your car thus not a write off.. and yes your insurer would pay for the other persons car to be repaired..

Adams1

Wow, a man so obnoxious and self-centered. His smart. The world is dumb. Congrats! :money:

Adams1

Thank you mcjordi.

Wig

I don't think it's possible but you should (morally speaking) be able to say to the insurer, my car has damage A B & C, I don't want a write off, I will pay for A & B to be rapaired, you pay for C to be repaired.

My sister though, had damage to her car they didn't do the repair, but they didn't write it off and just gave her the value of the car (Direct Line about 10 years ago). She ignored the surface damage and just kept driving it.

Maybe you could ask your insurer if they will agree to a settlement that allows you to keep the car, then you will have some money to pay for the repairs. Otherwise you just don't claim for your cars damage and pay for the lot yourself, whilst letting them pay for the third party

Adams1

Wig wrote: »

I don't think it's possible but you should (morally speaking) be able to say to the insurer, my car has damage A B & C, I don't want a write off, I will pay for A & B to be rapaired, you pay for C to be repaired.

My sister though, had damage to her car they didn't do the repair, but they didn't write it off and just gave her the value of the car (Direct Line about 10 years ago). She ignored the surface damage and just kept driving it.

Maybe you could ask your insurer if they will agree to a settlement that allows you to keep the car, then you will have some money to pay for the repairs. Otherwise you just don't claim for your cars damage and pay for the lot yourself, whilst letting them pay for the third party

I'm thinking on buying a older, but really a really high maintenance car in the future the problem with this is, I know if I did have an accident that the insurance would just write it off and was wondering if the other party will still be covered if I declined the write off. (I'll probably fix it back up over time.)

wealdroam

Adams1 wrote: »

I'm thinking on buying a older, but really a really high maintenance car in the future the problem with this is, I know if I did have an accident that the insurance would just write it off and was wondering if the other party will still be covered if I declined the write off. (I'll probably fix it back up over time.)

OP, I would concentrate on your credit card bill first, rather than spending your JSA on 'a really high maintenance car'.

harveybobbles

You could decline their offer, but you might come a cropper and they could void your insurance due to you having false plates on your car and trying to make it look newer...

adamc260

The other party is always covered for their damages as part of the RTA as it is a requirement to have liability cover for any third party involved - it is unlimited for injury and usually up to £20 mil excluding costs and £25 mil including costs for property damage.

You can at any point NOT claim for the damage to your vehicle and there are times where you can contribute towards the repair costs to make the car 'economical' to repair if it's borderline and they want to write it off as ultimately if they repair it and you contribute towards it then the amount they pay out is less.