Someone hit the back of my car and put a crack in the bumper & minor dent in the tailgate. The assesor says it purely cosmetic and can be fixed if I choose to live with the dented tail (you'd never notice it!) & get a new bumper. Or, I can choose to have it classed as a total loss & they will give me some money. The car is valued at £850. So, how much are they likely to give me? What are the implications of this? Do I need to get a new MOT. Will some companies refuse to insure it, or charge me more???
2007-07-13 07:42:54 · 7 answers · asked by Anonymous in Cars & Transportation ➔ Other - Cars & Transportation
You could get it written off and buy it back from them (they will charge very little for this) and you could get it fixed - However the car will be on the register as a Cat D (damaged repairable), so it will be more difficult to sell on.
If they do make an offer for the car (as the guy above said) DO NOT accept their first offer. Look on Autotrader.co.uk for a similar cars and note what they go for. Tell the insurer this, and they should raise the offer in line with the market rate.
The sensible option would be to write it off, buy it back, fix it up and live with it. You make cash which will offset the cost of selling it on as a Cat D.
2007-07-13 08:51:13 · answer #1 · answered by melonhead_redline 1 · 0⤊ 0⤋
nope others won't refuse to insure it, since they checked it for structural damage etc? they took it away?
if you went for your MOT next year and it failed due to structural damage etc, then you can claim against the insurers not doing their job.
depends on the extent of the damage, you won't get £850 for it though, you'll get market value for it, which is normally less and yes they will take it away as it's like selling your car on..
me i'd get it fixed then flog it. I did that years ago with a car when someone hit mine. Car was perfectly fine after repair, just didn't like the bad vibe
2007-07-13 07:53:17 · answer #2 · answered by junglejungle 7 · 0⤊ 0⤋
If a car is written-off and you fix it a special test may be required before its allowed back on the road.
Do not expect the insurance company to put your best interest before theirs.
2007-07-16 11:05:55 · answer #3 · answered by Spartan L 5 · 0⤊ 0⤋
Another option is to let them write the car off, buy it back (for less than they will pay you. Remember, they don't want the car) then fix it up.
Never accept an insurance company's first offer. Refuse it and hang on for a better offer.
2007-07-13 07:53:19 · answer #4 · answered by Steven 4 · 0⤊ 1⤋
You are better having your car repaired ,the insurance company will not give you what your car is worth .
2007-07-13 07:48:13 · answer #5 · answered by Mick 4 · 1⤊ 0⤋
I f the adjuster says that it's minor damage then it won't be written off
2007-07-13 07:46:40 · answer #6 · answered by Anonymous · 1⤊ 0⤋
if they pay you for a total loss they will take the car
B.
2007-07-13 07:47:19 · answer #7 · answered by ivan dog 6 · 1⤊ 0⤋