It’s fair to say that everyone understands that it’s pretty bad news if your car gets written off. In fact, no driver ever wants to hear those two little words about their car. But what does it mean exactly? The majority of people understand that their car is no longer usable when it is written off and it needs to be scrapped. But why is that exactly?
Want to understand more about vehicle write-offs? Here’s our quick guide.
What Is A Write-Off?
A car is almost always written off after it has been in a bad accident. If you are ever involved in a crash, you will need to take pictures of the vehicle. These will need to be sent to The Law Offices of George Salinas or whoever is representing you in your compensation case as well as your insurance provider. Your insurance company will also want to know the value of any required repairs. Using these quotes and pictures, the company will decide whether the repairs will be more than the overall value of the car. If that is the case, they will simply write it off rather than pay to have it repaired. Your insurance company will then pay you the value of the car so you can buy a replacement.
The Different Write-Off Categories
There are different categories that write-offs can be. The category of yours will dictate your next steps.
- A – unable to be repaired. In this case, the vehicle needs to be crushed.
- B – unable to be repaired. This category requires the bodywork to be crushed, but you will be able to salvage parts.
- C – repairs will cost more than the vehicle’s current value. The vehicle can be repaired as long as it becomes roadworthy once again.
- D – repairs will cost less than the vehicle’s current value. As with category C, the vehicle can be repaired as long as it becomes roadworthy once again.
Don’t Agree With The Decision?
Sometimes, drivers disagree with the insurance company’s valuation of their car. If this is your case, you might disagree with the car being written off. You just need to find evidence to show that your car is worth more than their estimation. You can do this by looking up the prices of similar second-hand cars that are for sale at the minute. Once you send in this evidence to the insurance company, they might agree to change their vehicle valuation and no longer write off the car.
Buy It Back
There are some circumstances in which you will be able to buy your car back once it has been written off. If this is the case, you need to let the insurer know as soon as possible. The two of you can then agree on a settlement figure for the car. It’s wise to get a mechanic to look over the car before you do buy it back, though. That way, you will know how much to expect to pay for repairs.
Fingers crossed you never have to write your car off!