Road traffic accidents are not predictable and more frustrating when it’s not your fault. We get more annoyed and frustrated when our vehicle has sustained damages and is declared a Write-off.
Your insurance will pay for your write-off vehicle, but it’s important to review your insurance agreement.
After an accident, we can repair our written-off vehicle if it belongs to Category S or N.
If the accident was not your fault, you want to claim your vehicle damages against the insurers of the faulty driver, and you have to pay no cost
To claim your vehicle, you need to get all the required information from the faulty driver like his insurance name and contact details. The information required is the vehicle registration number and the driver’s name, we will do the rest.
What is a car write-off?
If your insurance company has declared your vehicle un-roadworthy, this is because your vehicle repairs are too expensive.
Write-Off Vehicles Categories
There are different types of written off vehicles. Here are some:
• A Category: Scrapped and Severe Damage. These types of vehicles cannot be sold or repaired.
• B Category: Vehicles in this category, some of the parts can be sold or salvaged.
• S Category: The vehicles in this category have structure damage and can be repaired.
• N Category: Vehicles in this category have non-structural damage and can be repaired. Non-structure damage includes Steering, Brakes and we can repair or replace them.
What happens to my insurance policy if my Vehicle is Written Off?
If you are involved in an accident and your vehicle is written off, your insurance premium will be affected.
Your insurance will ask you not to drive the un-roadworthy vehicle as it is
• Not safe to drive a roadworthy vehicle.
• Expensive Repairs
• Vehicle Damaged Parts are Expensive
Key Points
Claim against the faulty driver
If your vehicle is written off, you can make a claim against the insurance of the faulty driver.
Settlement
Your insurance company will pay the settlement amount based on the market value of your vehicle minus excess if any.
Claim Bonus
It depends on your insurance policy, and your claim bonus will remain untouched.
Un Insured Driver
If the driver of the other vehicle is not insured, then we can claim through the Motor Insurer Bureau (MIB). We will provide them with all the information for a successful claim. If your insurance is comprehensive, then you can make a claim through your insurance, and you have to pay no excess if the uninsured driver is at fault.
Immediate Steps to Follow
- Contact your finance provider
If your car is declared roadworthy, your first step is to contact your finance provider. Inform him about the required procedures and documentation. Your insurance has to pay the remaining amount.
- Contact your insurance
The next step, is to call your insurance company to report the write-off and it’s not your fault. We need to provide the documentation to our insurance.
We must provide all the required information to your insurance to settle the claim
- Notify DVLA
We need to contact the DVLA to inform them that your vehicle is off-road so they can update your vehicle’s status in their records. Also send the V5 logbook to DVLA with, a copy of the documents.
Compensation for your written-off Vehicle
The compensation of your written-off vehicle is based on its pre-accident value, minus any excess. The payout may not cover the cost of a new car.
Your insurance company will pay you, and it all depends on your claim. If you inform your insurance within the time frame of 24 to 48 hours, you will receive your payments on time.
Replace your Written off vehicle
To upgrade or replace your written-off vehicle, we need to use the insurance payouts and funds. We can buy a new car using out insurance funds.
How insurance will decide if my vehicle is Write Off?
Your insurance will check the vehicle damages and will declare it right off if the value of the damage:
• Ratio to repair value
• If the vehicle value is £10,000 and a repair-to-value ratio of 60% was applied, then it is uneconomical to proceed with the repairs.
• Your insurance will ask the vehicle assessor to assess and compile a report.
• The assessor will arrange a vehicle inspection and will work on the cost.
What information is needed to make a claim through my insurance?
Your insurance will need the following information to make a claim.
• Insurance policy number
• Personal details of the faulty party like Contact number Address insurance name. Etc
• Details of the other parties involved, including vehicle registration numbers
• Witness details
• If the driver of the vehicle involved is not the registered keeper, then you will also get the details of the vehicle’s registered keeper.
Why to inform my Insurer?
We must inform our insurance company about the accident so it should be in their knowledge, and they should not compensate anyone without your permission.
Courtesy Vehicles
If your car is written off after a car accident which is not your fault, we can claim directly from the faulty party insurance. This also removes any excess payment requirement and can reduce the total claim costs to the at-fault insurance company as well through speed and efficiency of service.
When we make a claim directly when your car is written off is often simply a more efficient and convenient way to claim. During the write-off claim process, we provide you with a like for like courtesy vehicle to keep you on the road until you receive your vehicle write off payment.
Our objective is to save time and costs such as policy excess and enable you to replace your written off vehicle with the same vehicle without any further financial loss.
Road tax
After your car has been declared written off, you can cancel your road tax and inform DVLA that you no longer have the vehicle or your vehicle is off-road.
What Happens If I Refuse to Write off My Vehicle?
After an accident, if your vehicle falls in a specific category then our insurance will check the vehicle damages and will allow repairs based on the value of your vehicle.
You need to make sure that your vehicle is roadworthy after the repairs.
If your vehicle has a scratch and the insurance has declared it un-roadworthy. The repair amount will be less than the value of the vehicle. We can repair our vehicle from the approved garages and ensure it’s roadworthy.
Do I still need to make my payments?
If your vehicle is written off, you still need to make the remaining monthly payments for your vehicle. You need to inform the finance provider that your vehicle is written off and follow the process. Yes, you can pay the remaining payouts and scrap your vehicle.
What to do if my vehicle is damaged but not written off?
If you had an accident and your vehicle is damaged but not written off. Then we can
1. Get our vehicle repaired
2. We can sell our vehicle as it is 3. We can also scrap our vehicle
