can i insist that my car is repaired instead of written off??????

Question

Had a car crash 2wks ago was not my fault my insurance comp will ber claiming back off the third party insurance they claim the repairs will cost £7000 the car is worth bout this much can i insist that they repair my car instead of writing it off can anyone advise me please ????????

Answer 1

Yes you can buy back the wreck and repair it at your own expense. You will need an independent consulting engineer
to pass the repair as OK before the insurance company will insure it which they may refuse to do as a matter of policy.

You should consider in hard cold terms whether or not it is worth it. My own feeling is that when a cat hads this sort of accident it is out of luck.

I did this about ten years ago and within 12 months it was written off again by my wife after a series of petty £3- £10 accidents. i would never do it again

Answer 2

As mentioned it is up to the insurance company to decide whether the car is to be repaired, replaced or written off - you have no rights in the matter (unless you can persuade the company that their decision is not treating you fairly). If the latter then they must offer you a fair price for the pre-accident value of the car - you should check their offer against PArker's or Glass's guide and also look for adverts in the press for similar vehicles.

Once insurers would see hwo much they could get for the vehicle in its smashed condition - bear in mind that if they write the car off it becomes their property.

Answer 3

It's not the insurance company that's liable. It's the other driver, and you can sue him for the repair costs. However if your insurers are handling the claim they may require you to accept their write-off decision as a condition of their involvement. At £7000 you're above the small claims court limit so legal action will be expensive if you don't succeed

Answer 4

In my car insurance policy, the decision to repair or write-off is at the discretion of the insurer. They will often agree to sell you the written-off car but then it is your responsibility if you want it made roadworthy again. If you ever try to sell the vehicle, its records will show it to be an insurance write-off so some buyers will be deterred. In my experience, the price repairers charge to insurers is high relative to the work done so I suspect you may well be able to have the repairs done for less than the insurance estimate.

Answer 5

Usually when the repairs near 80% of the value of the vehicle the insurance co. will consider a total loss. This is usually because upon initial inspection their may have been missed damage that when fixed will bring the repair above the value. In the U.S. an insurance co. may make an exception if they feel the car can be repaired safely and the shop is willing to sign off that additional repairs will not be necessary.

Answer 6

Sure you can, and they can in turn withdraw their offer of the market value of your car. Then you would be back at the starting point and probably have to hire a third party to act on your behalf.

All they have to do is make you whole, and they will do the lesser or repairs or market value. If you like you can buy the car back from them for salvage value and do whatever you please with it, but it will come from your pocket in that case.

Answer 7

1

Answer 8

here interior the States, if a automobile you like soo plenty gets totalled out with the help of your coverage organization against your needs, you are able to sit down returned and assemble on the e book cost or alternative value of your automobile. then you definately bypass to the area your automobile is being stored at with the help of your coverage organization and purchase it returned "low value!!!" See in case you're able to do a similar. i offered my automobile returned for $a hundred U.S. and glued the wear and tear and drove it returned.

Answer 9

NOOOOOOOOO.