Step 1. Can they “write off” instead of repairing my car?
Most policies will give your insurer the right to choose to either:
- repair the car
- pay you to do the repairs or
- declare your car a total loss and “write-off” the car
If there are no safety concerns but you have a preference on whether the car should be repaired or written off, you can still try to negotiate with your insurer. However you need to be reasonable and not expect the insurer to pay the sum insured for a total loss if the car can be repaired for less. You will also need to have regard to the insurer’s legal obligations under the Written Off Vehicle Register. For further information on the Written Off Vehicle Register read our “My Car has been written off” Fact Sheet