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    • Dal Whinnie
    • By Dal Whinnie 15th Apr 19, 9:01 PM
    • 161Posts
    • 56Thanks
    Dal Whinnie
    car write off
    • #1
    • 15th Apr 19, 9:01 PM
    car write off 15th Apr 19 at 9:01 PM
    I was hit in the rear the other day. The other driver's insurance company has contacted me and referred me to their repair specialists for assessment. My car is now 12 years old with over 200,000 miles on the clock (one careful owner!) so has little residual value but is irreplaceable to me. Will the insurance company rigidly stick to market value in deciding whether to write off?
Page 1
    • Quentin
    • By Quentin 15th Apr 19, 9:15 PM
    • 38,619 Posts
    • 22,563 Thanks
    Quentin
    • #2
    • 15th Apr 19, 9:15 PM
    • #2
    • 15th Apr 19, 9:15 PM
    If written off, then you can expect a settlement no more than its pre incident market value.

    When dealing with the third party insurer you should have no problems in keeping the salvage for a small deduction from the settlement and repairing it yourself if that's what you want to do
    • Dal Whinnie
    • By Dal Whinnie 16th Apr 19, 7:10 AM
    • 161 Posts
    • 56 Thanks
    Dal Whinnie
    • #3
    • 16th Apr 19, 7:10 AM
    • #3
    • 16th Apr 19, 7:10 AM
    That was my expectation
    Unfortunately looks like I could be worse off through no fault of my own. I would just like it repaired but if the cost of repair is more than the pre incident market value that doesn't look likely.
    • MovingForwards
    • By MovingForwards 16th Apr 19, 7:14 AM
    • 776 Posts
    • 929 Thanks
    MovingForwards
    • #4
    • 16th Apr 19, 7:14 AM
    • #4
    • 16th Apr 19, 7:14 AM
    What is the damage? If it's a bumper only get one from the scrap yard, you don't have to use new parts.

    Insurance companies get quotes for new parts, every nut and bolt, respray, man hours etc.

    I've previously had an older car have a van go into the back of it, went to the scrappy to get a bumper, tailgate, lights and had the bodywork knocked back into place.
    • Quentin
    • By Quentin 16th Apr 19, 7:16 AM
    • 38,619 Posts
    • 22,563 Thanks
    Quentin
    • #5
    • 16th Apr 19, 7:16 AM
    • #5
    • 16th Apr 19, 7:16 AM
    That was my expectation
    Unfortunately looks like I could be worse off through no fault of my own. I would just like it repaired but if the cost of repair is more than the pre incident market value that doesn't look likely.
    Originally posted by Dal Whinnie
    No insurer will pay for uneconomical repairs

    But depending on the damage you may find it can be repaired privately at a back street garage using second hand panels etc within the write off settlement you get
    • oscarward
    • By oscarward 16th Apr 19, 1:07 PM
    • 676 Posts
    • 267 Thanks
    oscarward
    • #6
    • 16th Apr 19, 1:07 PM
    • #6
    • 16th Apr 19, 1:07 PM
    talk to the insurance company to see if they will come to an arrangement. Some insurers will, depends on the damage.
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