The Cars

When a vehicle has been written off, it usually means that it is just too expensive to repair and that the cost of repairing the damage is higher in the long run than buying another similar car. It can also mean that the car is deemed to be unsafe to drive even after repair.

Most insurance companies have a level at which they will declare your car as a write off. Usually if the cost of repair is greater than 60-80% of the value of your car they will write it off. If you drive an older car that you really like it is important to shop around for an insurer that offers a high percentage value before they will write your car off.

If your car is declared a right off they have to pay you the value of your car. Sadly, insurance companies habitually offer their clients less than their car is really worth if sold.

If there is any danger of your car being declared a write off. It is a good idea to get an independent mechanic to assess if it is repairable and how much it could cost. If the price is right you may want to get it repaired rather than have the insurance company write it off. However, not all cars can be safely repaired, so make sure that you find out if this is the case before paying for it to be repaired.

Technically speaking you can still repair your car even after it has been written off by an insurance company. But you must check that it is safe to drive, and that your insurance company has not cancelled your insurance.

Practically and damage can be repaired. However, if the chassis is bent it may not be safe to drive. It will look fine and work, but be unstable when cornering etc. Be very careful and consult an experienced mechanic. A second opinion is a good idea in most cases.

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