Advice on what makes a car a write off
Discussion
Hi All,
My wife has had an accident this evening after some young oik was going too fast as she was pulling out of a junction and he went straight into her. We think the insurance company will say she's at fault for pulling out and the collision happened even though I know full well he was going too fast due to the road and where it is etc. Thankfully everyone is OK which is the main thing.
Nonetheless, does anyone know how insurers classify cars as write offs / repairable? It's a 2019 Golf R with less than 40k on the clock and the reason I ask is, it's a very rare specced car so there's absolutely no chance of finding another one like it. Gutted. If it was a sh*tbox we wouldn't care so much. Hence I am wondering if an insurer just looks at it and says nope, that's 100% written off and that's the end of it! I have read things before on PH and it seems like insurers are very quick to write a car off? It's worth somewhere around the £20k mark give or take. I am no mechanic but the impact was front right so not great and I am pretty sure the chassis' probably got bent at the front due to the positioning of how the drivers side alloy wheel is sitting.
Fairly sure people will say, don't even think about anything other than a write off but just wanted to ask in case there is hope that it might be fixed! I have got a picture of it here below to help - 99.9% sure you will say that's a goner!
My wife has had an accident this evening after some young oik was going too fast as she was pulling out of a junction and he went straight into her. We think the insurance company will say she's at fault for pulling out and the collision happened even though I know full well he was going too fast due to the road and where it is etc. Thankfully everyone is OK which is the main thing.
Nonetheless, does anyone know how insurers classify cars as write offs / repairable? It's a 2019 Golf R with less than 40k on the clock and the reason I ask is, it's a very rare specced car so there's absolutely no chance of finding another one like it. Gutted. If it was a sh*tbox we wouldn't care so much. Hence I am wondering if an insurer just looks at it and says nope, that's 100% written off and that's the end of it! I have read things before on PH and it seems like insurers are very quick to write a car off? It's worth somewhere around the £20k mark give or take. I am no mechanic but the impact was front right so not great and I am pretty sure the chassis' probably got bent at the front due to the positioning of how the drivers side alloy wheel is sitting.
Fairly sure people will say, don't even think about anything other than a write off but just wanted to ask in case there is hope that it might be fixed! I have got a picture of it here below to help - 99.9% sure you will say that's a goner!
The write-off threshold is effectively total cost of repair (including hire cars etc) - salvage value. Unfortunately for you I'd imagine a golf r has fairly strong salvage value (as it can be fixed up with mostly easy-to-find bits), so if it's worth £8k on copart you only need 12k of damage to be done
AddyT. said:
Hi All,
My wife has had an accident this evening after some young oik was going too fast as she was pulling out of a junction and he went straight into her. We think the insurance company will say she's at fault for pulling out and the collision happened even though I know full well he was going too fast due to the road and where it is etc. Thankfully everyone is OK which is the main thing.
Nonetheless, does anyone know how insurers classify cars as write offs / repairable? It's a 2019 Golf R with less than 40k on the clock and the reason I ask is, it's a very rare specced car so there's absolutely no chance of finding another one like it. Gutted. If it was a sh*tbox we wouldn't care so much. Hence I am wondering if an insurer just looks at it and says nope, that's 100% written off and that's the end of it! I have read things before on PH and it seems like insurers are very quick to write a car off? It's worth somewhere around the £20k mark give or take. I am no mechanic but the impact was front right so not great and I am pretty sure the chassis' probably got bent at the front due to the positioning of how the drivers side alloy wheel is sitting.
Fairly sure people will say, don't even think about anything other than a write off but just wanted to ask in case there is hope that it might be fixed! I have got a picture of it here below to help - 99.9% sure you will say that's a goner!
It's down to the estimated cost of the repair, if it is above a certain percentage of the value of the car it is written off. The actual figure depends on the company.My wife has had an accident this evening after some young oik was going too fast as she was pulling out of a junction and he went straight into her. We think the insurance company will say she's at fault for pulling out and the collision happened even though I know full well he was going too fast due to the road and where it is etc. Thankfully everyone is OK which is the main thing.
Nonetheless, does anyone know how insurers classify cars as write offs / repairable? It's a 2019 Golf R with less than 40k on the clock and the reason I ask is, it's a very rare specced car so there's absolutely no chance of finding another one like it. Gutted. If it was a sh*tbox we wouldn't care so much. Hence I am wondering if an insurer just looks at it and says nope, that's 100% written off and that's the end of it! I have read things before on PH and it seems like insurers are very quick to write a car off? It's worth somewhere around the £20k mark give or take. I am no mechanic but the impact was front right so not great and I am pretty sure the chassis' probably got bent at the front due to the positioning of how the drivers side alloy wheel is sitting.
Fairly sure people will say, don't even think about anything other than a write off but just wanted to ask in case there is hope that it might be fixed! I have got a picture of it here below to help - 99.9% sure you will say that's a goner!
Thank you ever so much that's very helpful indeed as I didn't know about the salvage value point. Pretty sure with VW repair prices it's going to cost more than £12k to fix it I did say to my wife I won't be surprised if someone repairs it and it's back up for sale as a CAT N or S! Maybe not though but it's a low mileage car with a really great spec.
I did say to my wife I won't be surprised if someone repairs it and it's back up for sale as a CAT N or S! Maybe not though but it's a low mileage car with a really great spec. The idusty works on the 60/40 rule.
If the repair is more than 60% of the value of the car then its written off.
If your insurance company is happy to use green parts for the repair you might be ok.
The only thing that could be a concern is if the frame rail is bent. If it is its written off.
If the repair is more than 60% of the value of the car then its written off.
If your insurance company is happy to use green parts for the repair you might be ok.
The only thing that could be a concern is if the frame rail is bent. If it is its written off.
Super Sonic said:
AddyT. said:
Hi All,
My wife has had an accident this evening after some young oik was going too fast as she was pulling out of a junction and he went straight into her. We think the insurance company will say she's at fault for pulling out and the collision happened even though I know full well he was going too fast due to the road and where it is etc. Thankfully everyone is OK which is the main thing.
Nonetheless, does anyone know how insurers classify cars as write offs / repairable? It's a 2019 Golf R with less than 40k on the clock and the reason I ask is, it's a very rare specced car so there's absolutely no chance of finding another one like it. Gutted. If it was a sh*tbox we wouldn't care so much. Hence I am wondering if an insurer just looks at it and says nope, that's 100% written off and that's the end of it! I have read things before on PH and it seems like insurers are very quick to write a car off? It's worth somewhere around the £20k mark give or take. I am no mechanic but the impact was front right so not great and I am pretty sure the chassis' probably got bent at the front due to the positioning of how the drivers side alloy wheel is sitting.
Fairly sure people will say, don't even think about anything other than a write off but just wanted to ask in case there is hope that it might be fixed! I have got a picture of it here below to help - 99.9% sure you will say that's a goner!
It's down to the estimated cost of the repair, if it is above a certain percentage of the value of the car it is written off. The actual figure depends on the company.My wife has had an accident this evening after some young oik was going too fast as she was pulling out of a junction and he went straight into her. We think the insurance company will say she's at fault for pulling out and the collision happened even though I know full well he was going too fast due to the road and where it is etc. Thankfully everyone is OK which is the main thing.
Nonetheless, does anyone know how insurers classify cars as write offs / repairable? It's a 2019 Golf R with less than 40k on the clock and the reason I ask is, it's a very rare specced car so there's absolutely no chance of finding another one like it. Gutted. If it was a sh*tbox we wouldn't care so much. Hence I am wondering if an insurer just looks at it and says nope, that's 100% written off and that's the end of it! I have read things before on PH and it seems like insurers are very quick to write a car off? It's worth somewhere around the £20k mark give or take. I am no mechanic but the impact was front right so not great and I am pretty sure the chassis' probably got bent at the front due to the positioning of how the drivers side alloy wheel is sitting.
Fairly sure people will say, don't even think about anything other than a write off but just wanted to ask in case there is hope that it might be fixed! I have got a picture of it here below to help - 99.9% sure you will say that's a goner!
sherman said:
The idusty works on the 60/40 rule.
If the repair is more than 60% of the value of the car then its written off.
If your insurance company is happy to use green parts for the repair you might be ok.
The only thing that could be a concern is if the frame rail is bent. If it is its written off.
Thank you very much Sherman and I really appreciate it! Relaying this to my wife at the moment. She's at the hospital as her 91 year old grandmother was in the car with her. She's OK but had to go in for checks. Not a great situation. I was getting really annoyed inside watching his mates who had turned up taking his stuff out of his car and having a little smile about the items being removed. We were all young once of course and young lads don't do the best things. My wife was pretty chilled out with him and his mum (who turned up after the crash) but I was absolutely fuming inside. Apparently he did get a bit shirty initially about my wife pulling out etc but she told him all she had said was perhaps he was going a bit too fast. Best it was her this happened to than me! If the repair is more than 60% of the value of the car then its written off.
If your insurance company is happy to use green parts for the repair you might be ok.
The only thing that could be a concern is if the frame rail is bent. If it is its written off.
Panamax said:
That looks a clear case of a write-off to me, whether or not it'll get fixed in some back street garage.
Make sure you get that private plate sorted out before you lose it.
Thank you Panamax and that's what I was thinking unfortunately. Great shout on the private plate - hers is similar to mine (my car is in the background) - so need to make sure we don't lose it. What do we need to do to ensure that doesn't happen?Make sure you get that private plate sorted out before you lose it.
AddyT. said:
Thank you Panamax and that's what I was thinking unfortunately. Great shout on the private plate - hers is similar to mine (my car is in the background) - so need to make sure we don't lose it. What do we need to do to ensure that doesn't happen?
As soon as it is written off put it on retention,£80 I think..Sebring440 said:
AddyT. said:
My wife has had an accident this evening after some young oik was going too fast as she was pulling out of a junction and he went straight into her.
I'm surprised that no one has commented on this...?Defo a write off
Edited by Opapayer on Saturday 9th May 23:27
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