Step 1. Should I let the at fault party's insurer assess my car?

Sometimes the at fault party’s insurer may ask to assess your vehicle. They may even offer to repair it for you. If you want your car repaired, but it is possible the car may be uneconomical to repair (the repair cost plus salvage cost exceeds the market value) you should not let the insurer assess your car because they may write it off. When an insurance assessor assesses a vehicle they have obligations under the “Written Off Vehicle Register” (WOVR). The WOVR is a national initiative designed to deter crime and ensure road safety. The national framework applies to light vehicles less than 15 years old and includes cars, motorcycles, trailers and caravans. All insurance companies who assess cars (whether it be the car of their own insured or not) are obliged to notify the WOVR and are not required to notify you or get your permission beforehand. Once the WOVR is notified it may be impossible to remove. If your car is listed as a repaired written off vehicle it may diminish in value.  

For more information about the WOVR read our Your vehicle has been ‘written off’ fact sheet on our website. If you have further questions about dealing with an insurer, email or call the Insurance Law Service on 1300 663 464. If you have a general legal question following a car accident, start by calling LawAccess on 1300 888 529.