Theoretical: Insurer Wants To Write Off Vehicle

QUOTE(choccymonster @ 11 Dec 2009, 01:04 PM) <{POST_SNAPBACK}>Theoretical Situation

Car A is parked legally, and left unattended.

Car B side swipes car A.

Driver of car B admits full liability.

BOTH cars are insured with the SAME insurer.

The insurer wants to write-off car A.

Can the driver/owner/policyholder of car A require the insurer to put the car back to the state it was in prior to the accident? i.e. insist that car A is NOT written off, and is, in fact, repaired?

I don't think it would happen but you could certainly try & insist. Happened to me years ago but because the garage didn't have much work on, they repaired the car!

QUOTE(glennboysst3 @ 11 Dec 2009, 02:23 PM) <{POST_SNAPBACK}>i believe its the insurers decision based upon costs of repairs and value of the car in question .i also had this some time ago with the wifes 2 year old mazda and as i didnt want to loose the car i asked the insurers to allow me to buy the car back ,so they paid out for the car i then purchased it back at the salvage costs "well they done me a good deal as got it very cheap indeed"so still kept the car ,had it repaired and made some money out of it !!might be an avenue worth pursueing should you want to keep the car aswell as indeed we did . ps ...doing this should not afect your no claims bonus as its same situation as we was in ie somone else hit the stationary car and admitted full responsability .

Hear what you are saying...

But presumably the car would be recorded as a Cat D write-off though? Which would potentially make insurance more difficult?

I am not too worried about resale value, as I am assuming the car would be worth next to nothing come "sell on time". I am more concerned with the ability to re-insure the car once it is back on the road after it has been "written-off"....

Thoughts?

QUOTE(SpacemanST @ 11 Dec 2009, 02:20 PM) <{POST_SNAPBACK}>tbh why would you want it back id rather have the cash and my ncb still intact

My NCB won't be affected either way as I am the "no fault" party.

I want the car back as the damage is only cosmetic.

It drives superbly and is a cracking little car.

QUOTE(glennboysst3 @ 11 Dec 2009, 04:25 PM) <{POST_SNAPBACK}>cat d write off should be no more to insure than "normal" car,needs no inspection etc etc check with your insurers though choccy just to make sure .

QUOTE([email protected] @ 11 Dec 2009, 04:27 PM) <{POST_SNAPBACK}>Yes, cat d's are no problem with us as ong as they have an MOT!

Excellent.

Thanks guys!!

I'm going to push like hell to get them to repair it.

Failing all else, I am seriously inclined to purchase the "write-off" back from the insurers, as the damage is only cosmetic. It took us ages to find that car, and I really don't want to see it go to the scrapyard in the sky because of a little panel damage.....

Dave, I'd also get it in writing from your insurers that this no-fault claim will not affect your renewal premiums. If they won't give you this then pursue the other driver for this as an uninsured loss.

I know some companies (e.g. Admiral) will load your premium even in the event of a no-fault accident entirely paid for by the other party. The general explanation for this is that someone who's claimed off someone else is more likely to make a claim on their own insurance too.

Utter pigsh!t imho but another way of bumping up premiums

If you are claiming off your comp insurance the terms of the contract will state it is up to them if they replace, repair or pay out so you do not have a choice.

However if you claim off the insurer as their third party, the your comp contract does not come into it, it is your car, they will just pay the pre-accident value less the salvage value Remember it will still be recorded