The insurance comp have wrote car off?

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The insurance comp have wrote car off?

car can be fixed by cheaper garage do i have to take there offer or could i get it mended myself , the car is in a compound and they say i cant go near it the claim has not been settled yet, the damage is front wing and headlight smashed all the rest fine

dalski72

I think you can take the insurance offer and be able to buy the car back from the insurance company, then get it fix yourself. You would have to re-register the car with the DVLA and get it tested at one of their centres afterwards though as it would technically no longer be on the DVLA database.

see the link below:

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/ChangesToYourRegistrationCertificate/DG_4022057

especially the 'Insurance company makes a total loss payment for your vehicle' section and the 'The vehicle has been accidentally damaged or written off - How to obtain a vehicle identity check (VIC)' section.

Hope this helps

morwood_leyland

The two previous answers had a couple of errors. If you can get it fixed more cheaply either with the insurance company's approval or by buying the wreck then the car will still be road worthy - you will have to have it road tested in either case.
You may not be able to insist on using your own garage - this depends on the policy document - a lot of companies insist on using their own garages to save money but they will usually let you have the wreck back (at a price).
All "write-off" means is that they would rather give you the cars second hand value than repair it.

dougie

your insurance company might sell you the car back and you could get it repaired.
if the insurance company write it off and u buy it from the scrap yard even if you fix it it will still be classed as un road worthy

fabbymummy

i think you need to take their offer but if it's too low then get some comparision's of the car's market value and go back to them for another offer , my friend refused the 1st offer as it was too low and they offered her slightly more when she gave them the facts showing the value of the car -

rosie

i am in ireland and i used to work in a garage. the insurance company cannot make you get any work done by a specific garage. it is your choice. get the car back asap. they will give you f*ck all for it then bring it to a body shop and make a killing on it when they sell it on.

Stephen A

contact your insurance company , and ask them

A freind of mine had the same problem , and had it fixed at another place

I don't know how it works , but yes it is possable

welcome news

If you are claiming from another person then normally the insurance company make a total loss offer with you to keep the salvage.

If you are dealing with your own insurer then they are not normally happy to have the vehicle repaired if it's a total loss as repairs may be done unprofessionally and they have to pick up the tab if the vehicle proves unroadworthy or a wheel comes off and someone is injured.

It won't hurt to ask if they will make a reduced offer with you to keep the salvage but they will probably put restrictions i.e. the vehicle to be repaired by a professional garage and a new MOT obtained.

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