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What happens when a car is written off?

Car written off?

  • My daughters car was written off by her insurance company following an attempted robbery. What happens to the car? The garage seemed to have fixed it when she went to collect her personal possessions from it!

  • Answer:

    A said previously, there are 4 categories A,B,C,D. Category A and B can;t legally go back on the road, the salvage companies buy them and strip them for parts then crush whats left. C and D where they can be legally repaired but the cost of repairs is more than the market value of the car, according to the insurance company. C and D write offs can be bought from the insurers and repaired but they have to be inspected by a vehicle testing centre to ensure they are roadworthy before the new owner is issued with a new V5 and MOT (the test is more stringent than a standard MOT), the DVLA keeps on record that the car has been written off so it will always be worth less than a car with a clean history.

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Usually the insurance company will auction it off, in some cases you may be able to buy it back from them.

grand96prix

The insurance company will take the title and have it reissued as a salvage title. In many cases, you can purchase it from the insurance company for the salvage value and have it repaired at your expense. If she didn't opt for that, the garage that towed it probably bought it from the insurance company and will re-sell it. With a salvage title, it's value will be about 30% - 50% below normal market value. You'd have the same problem if you bought it from the insurance company.

Bostonian In MO

There are different grades of write-offs some can be repaired and go back on road,others may be required to be completely scrapped, it`s up to assessor.

Geeza Sooka Yerlips

Should be scrapped if its a write off, if not and to costly for them to repair for the worth of the car then buy it off them and do the work yourself

all_roads_lead_home

ive just had the same thing happen, a garage that do work for my insurers took the car and are waiting for me to send relevant documents following a 'total loss' so they can valuate it properly, then they give me that amount minus excess charge for insurers. my cars worth and insured for 500, the garage wanted £2000 to repair because of using all new parts, im looking into cancelling the claim and getting the car fixed my self, ive found the parts i need at scrap yards for £100, just need to get the car moved (possibly using RAC break down cover)then have to pay for the parts fitting

mward50002000

They will flog it outback, no questions asked.

Phil H

insurance companies usually categorise the claim from A to d ( i think), depending on the severity of the damage, it is then possible to either buy the car back from them or indeed they will sell it on for repair. You normally than have to have the car re-mot'ed (dependant on the class of damage. Hope this helps

hartmarina

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