Cancel At-Fault Claim

Homer_home

chrisw said:

If you don't wish to claim and it's being repaired you can take the car back any time up until repairs are under way. However, there may be other fees to pay such as towing and storage fees.

If it's written off, they own it once you've agreed a settlement figure with them and agreed to transfer it to them whereupon they'll pay you out. You can ask them to sell you the salvage so you will get paid out the agreed write off value less the price of the salvage so you get to keep the car to do with as you wish. However some insurance companies have agreements with salvage companies and can refuse to sell you the salvage.

Do you have a source for this agreement with the salvage companies?

You always own the car , insurance companies can't automatically take ownership of your car because it is wrote off unless you agree a settlement with them and you can always take your car back if you so wish to keep it on the road and repair it yourself 


Thinking the insurance company own the car after an accident and it being wrote off is a common misconception 

Can somebody remind me if you take your car back and get it repaired does the car require an inspection by vosa to check it's road worthiness?

Flight3287462

VOSA have stopped inspecting cars and those inspections were for identity purposes only.  Inspections were for CatC.  CatD didn't require an inspection.

AdrianC

Hunyani_Flight_825 said:

VOSA have stopped inspecting cars and those inspections were for identity purposes only.  Inspections were for CatC.  CatD didn't require an inspection.

Yup, the VIC - Vehicle Identity Check - was never to check for roadworthiness. As the name suggests, it was to check for IDs from write-offs being used to ring stolen cars.

It applied to CatCs between 2003 and 2015, and in that time checked 942,000 cars. It found... 40 wrong'uns.
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/499262/2015-10-22-RPC15-DfT-3066_1_-Abolition_of_the_Vehicle_Identity_Check.pdf

chrisw

Homer_home said:

chrisw said:

If you don't wish to claim and it's being repaired you can take the car back any time up until repairs are under way. However, there may be other fees to pay such as towing and storage fees.

If it's written off, they own it once you've agreed a settlement figure with them and agreed to transfer it to them whereupon they'll pay you out. You can ask them to sell you the salvage so you will get paid out the agreed write off value less the price of the salvage so you get to keep the car to do with as you wish. However some insurance companies have agreements with salvage companies and can refuse to sell you the salvage.

Do you have a source for this agreement with the salvage companies?

You always own the car , insurance companies can't automatically take ownership of your car because it is wrote off unless you agree a settlement with them and you can always take your car back if you so wish to keep it on the road and repair it yourself 


Thinking the insurance company own the car after an accident and it being wrote off is a common misconception 

Can somebody remind me if you take your car back and get it repaired does the car require an inspection by vosa to check it's road worthiness?

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

'Once a settlement figure has been agreed, the insurer takes ownership of the vehicle. Most insurers already have contracts with salvage firms to hand over all their written-off vehicles. That means they may be reluctant to break those contracts and sell your car back to you.'