written off conditions?

javixeneize

Hi

I had a crash yesterday, was not big, but, given that modern cars are built to absorb impacts, it has a lot of damage on the front. Bonnet, bumper and grille. All cosmetic damage

The car is valued at 12-13k (its a 63 reg number) and the repair is expected to be around 5-6k

I have several questions:

1 - Are there chances of having the car written off? What are the conditions to write off the car?
2 - If it is written off (Cat D), can i buy back the car to the insurance and repair by myself? If so, how much do i expect to pay?
3 - If it is written off, can i challenge this and try it in a different garage to have a better estimation?

Thanks

Herzlos

It's only written off if it'll cost more to repair than it's worth, including things like hire car.
Unless it'll take months to get parts, they'll repair it.

custardy

As said,big gap between repair cost & value.

motorguy

Herzlos wrote: »

It's only written off if it'll cost more to repair than it's worth, including things like hire car.
Unless it'll take months to get parts, they'll repair it.

Is it?

I thought they factored in salvage value, etc too.

For example, £12K car, has an accident and receives £10K of damage but is worth £3K as salvage then writing if off means they have an outlay of £12,000 - £3,000 recovered from the salvage cost so £9K outlay, instead of £10K to repair.

motorguy

javixeneize wrote: »

Hi

I had a crash yesterday, was not big, but, given that modern cars are built to absorb impacts, it has a lot of damage on the front. Bonnet, bumper and grille. All cosmetic damage

The car is valued at 12-13k (its a 63 reg number) and the repair is expected to be around 5-6k

I have several questions:

1 - Are there chances of having the car written off? What are the conditions to write off the car?
2 - If it is written off (Cat D), can i buy back the car to the insurance and repair by myself? If so, how much do i expect to pay?
3 - If it is written off, can i challenge this and try it in a different garage to have a better estimation?

Thanks

Out of curiosity, whos estimate is that?

If thats a full blown insurance estimate, then its unlikely they'll write it off.

If they did write it off, you should be able to buy it back for the salvage value which would be several thousand perhaps.

javixeneize

This comes from a guy that works in a garage and has seen the car. It’s the front bumper, right front headlight,bonnet and radiator. No structural damage

My worry is that I’m reading that they only repair it if the cost is 60% of its value. Do it annoys me.

How could a car that is 4 years old be written off if the repair value is more than 60% of the value?

This might make sense with old cars, but not with new ones. They are reducing car value to a 60% of it!

Regarding write off, is there any way to avoid it, like buying it back without being written off, or paying the difference of the repair that goes over the 60% from my pocket?

System

javixeneize wrote: »

Regarding write off, is there any way to avoid it, like buying it back without being written off, or paying the difference of the repair that goes over the 60% from my pocket?

Don't put in a claim, pay for the costs of the repairs yourself.

custardy

javixeneize wrote: »

This comes from a guy that works in a garage and has seen the car. It’s the front bumper, right front headlight,bonnet and radiator. No structural damage

My worry is that I’m reading that they only repair it if the cost is 60% of its value. Do it annoys me.

How could a car that is 4 years old be written off if the repair value is more than 60% of the value?

This might make sense with old cars, but not with new ones. They are reducing car value to a 60% of it!

Regarding write off, is there any way to avoid it, like buying it back without being written off, or paying the difference of the repair that goes over the 60% from my pocket?

Think about it. 60% is the planned cost.
If they start repairs and find more work then the margin gets even tighter.
Then the possibility of further remedial work,bad spray work etc.
Add in hire car costs and it gets tighter again.
The numbers often mean its easier to cut the losses and pay out

javixeneize

Quick question.. if i want to repair my car after a claim, but its more than what the insurance would like to pay, and i want to avoid a write off, which options do i have? Can i ask the insurance to pay in cash the equivalent of the money they would pay for the repair?

It is, if my car worths 10k, and the repairing is 6,5k, but the insurance decides to write off the car (cat d) as it is not a good deal from them, can i ask them to pay the 60% of the car value on cash (6k) and i will pay the remaining part of the repairing from my pocket (£500)?

I have seen this in several forums, but i dont know if it is something that can be asked to the insurance company.

Thanks

gardner1

javixeneize wrote: »

Hi

I had a crash yesterday, was not big, but, given that modern cars are built to absorb impacts, it has a lot of damage on the front. Bonnet, bumper and grille. All cosmetic damage

The car is valued at 12-13k (its a 63 reg number) and the repair is expected to be around 5-6k

I have several questions:

1 - Are there chances of having the car written off? What are the conditions to write off the car?
2 - If it is written off (Cat D), can i buy back the car to the insurance and repair by myself? If so, how much do i expect to pay?
3 - If it is written off, can i challenge this and try it in a different garage to have a better estimation?

Thanks

I would be surprised if no damage to chassis etc

custardy

javixeneize wrote: »

Quick question.. if i want to repair my car after a claim, but its more than what the insurance would like to pay, and i want to avoid a write off, which options do i have? Can i ask the insurance to pay in cash the equivalent of the money they would pay for the repair?

It is, if my car worths 10k, and the repairing is 6,5k, but the insurance decides to write off the car (cat d) as it is not a good deal from them, can i ask them to pay the 60% of the car value on cash (6k) and i will pay the remaining part of the repairing from my pocket (£500)?

I have seen this in several forums, but i dont know if it is something that can be asked to the insurance company.

Thanks

My understanding is you get a write off payout amount and then an amount to buy the car back.