Car write off

[shelmina]

Hi, someone banged into my car when it was parked. The guy left his insurance details. But the car has been said to be a write-off. I was wondering what is the best thing to do as my car is only worth about 1000 pounds and I don't really have money to buy another one? Thanks

[Howard-]

He crashed into you. It's his insurance company's responsibility to put you back into the position you were before the accident, either by fixing it (what car is it? How bad is the damage?) or compensate you enough that you can afford to buy another one.

[kiethton]

Is the car still driveable/MOT worthy?

If so request a cash in lieu settlement and keep the car...Likely not worth fixing on a £1000 car....

[Defcon5]

[quote] But the car has been said to be a write-off.
[/quote]

By whom? Someone who doesn't know what they are talking about no doubt. It's not a total loss until the insurance assessor says it is

Edited by Defcon5 on Friday 30th November 12:51

[McSam]

Defcon5][quote said:

. But the car has been said to be a write-off.

By whom? Someone who doesn't know what they are talking about no doubt. It's not a total loss until the insurance assessor says it is

This. And then the, uh, idea of insurance is that you're paid the money to replace the car?

Confusing thread.

[AndyLB]

Photos!

Must have been going some whack to write it off, although if it's only worth £1000 then any amount of damage would make it technically written off with today's approved insurer's repair estimates

[Makuri]

OP, if your car is declared a total loss and it's light damage, why not buy the car back and raid a scrappy for parts to fix it?

[john2443]

OP, if the insurer says it's a write off it doesn't meen that it's mechanically not useable or unsafe, it means that the repair cost is too high, I guess that a something like a dented wing could write it off, by the time you've bought a new wing and sprayed it the matching colour a few hundred quid have been spent.

A friend had this with her mums low mileage Micra, the insurers approved repairer said £1500, mum bought the car from the insurer and got a local garage to tidy it up for a couple of hundred - it wasn't pefect but for the few miles she did to the shop and the WI it did the job.

As others said photos, or at least a description of the damage would be helpful for us to evaluate.

Good luck.

[long time lurker]

My £1200 banger has just had £600+ of insurance provided repairs..... I still don't know why they didn't write it off?

so never say it's a write off until you get the cheque in your hand!

[onesickpuppy]

Ten internet credits says the OP never comes back.

[mcflurry]

I would be surprised if many £1000 cars weren't written off, if they have to be fixed by the approved garages.

The car hire and delivery costs alone would be a few £100 before they started work..

[Fastra]

shelmina said:

Hi, someone banged into my car when it was parked. The guy left his insurance details. But the car has been said to be a write-off. I was wondering what is the best thing to do as my car is only worth about 1000 pounds and I don't really have money to buy another one? Thanks

keh?

[Rochellc01]

onesickpuppy said:

Ten internet credits says the OP never comes back.

I'll raise you 11!