My car insurers or do I approach theirs?

eden.eden

My 12 yr old car was involved in accident. 100% third party fault, witnesses, CCTV, driver admitted fault. My car is a write-off and I will be seriously out of pocket as only last month had gearbox fixed (expensive!).

Got an estimate to repair as third party said would pay off insurance. They are not happy with the estimate and have ceased all communication. I have decided to cut losses and let car be write-off and get something else.

I have informed my insurers but not started claim yet. Question: do I approach third party insures directly for write off costs or can I only do that for repairs? or through my own insurers? I know I will lose my excess if through mine but anything else to consider?

InsideInsurance

Third Party insurers will deal with a total loss just the same as a repair.

I'd go via the TPI if thats possible, if their customer hasnt reported the claim then they may not be willing to deal with you.