There is obviously damage that is not fiable, it may just look like the wing and head lights to you but if the chasis has shifted you are out of luck. My car was written off and the damaged did look that much but the chasis had shifted and was far to dear to be fixed. If they tell you its written off its written off!!!
No, The car is officially written off, the insurance company now officially own it and you’ll get the ££. but you can offer to buy the car from the insurance company then do it. But the car will always have an identifier against it as a written off vehicle. So if someone did a search on it prior to buying it off you, it would show as previously written off and they’ll want to know more info, reduce the price, and get it checked out professionally. Unless the car is a collectors car or likely to appreciate in value, take the money and run. But talk it over with the ins company to see if their procedures are different.
If the insurers have officially written it off and paid out, it’s theirs. If they haven’t, there’s nothing to stop you cancelling your claim and taking your car back, though you’ll probably wind up paying a certain amount of storage.
Be careful though, are you sure that’s all that’s wrong with it? Mind you, it could be I suppose, insurers work on the full-rate commercial costs of repair . . .
My secretary bird’s Toyota cost about £700 for a wing and door dent, my colleague’s Beemer cost him about £4000 for much the same thing – Ouch!
There is obviously damage that is not fiable, it may just look like the wing and head lights to you but if the chasis has shifted you are out of luck. My car was written off and the damaged did look that much but the chasis had shifted and was far to dear to be fixed. If they tell you its written off its written off!!!
If you feel that way then ring your insurer and cancel your insurance claim.
It’s only their problem if you are asking them to pay the bill – which if only £200 is most likely the same as your excess.
The problem will come if the car’s damage is recorded on an HPI report, which means you will struggle to sell it later.
You might be best taking the money and starting again.
yes you can but if you do the insurance may not pay for the repairs
No, The car is officially written off, the insurance company now officially own it and you’ll get the ££. but you can offer to buy the car from the insurance company then do it. But the car will always have an identifier against it as a written off vehicle. So if someone did a search on it prior to buying it off you, it would show as previously written off and they’ll want to know more info, reduce the price, and get it checked out professionally. Unless the car is a collectors car or likely to appreciate in value, take the money and run. But talk it over with the ins company to see if their procedures are different.
If the insurers have officially written it off and paid out, it’s theirs. If they haven’t, there’s nothing to stop you cancelling your claim and taking your car back, though you’ll probably wind up paying a certain amount of storage.
Be careful though, are you sure that’s all that’s wrong with it? Mind you, it could be I suppose, insurers work on the full-rate commercial costs of repair . . .
My secretary bird’s Toyota cost about £700 for a wing and door dent, my colleague’s Beemer cost him about £4000 for much the same thing – Ouch!