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Does a write off mean you have to lose your car?

  • 31-01-2014 10:08am
    #1
    LeperKing
    Registered Users, Registered Users 2 Posts: 452 ✭✭


    Hi All,

    I was in a crash this week, and the other driver accepted liability. My car is over 10 years old, and the damage appears to be cosmetic, but significant.

    My mechanic seem quite certain that if I make an insurance claim, then the car will be written off and taken away. I'm quite attached to it and don't want to loose it. Is there any way a write off can occur without the vehicle being taken off me?

    Thanks,
    LK.


Comments

  • #2
    Squatman
    Registered Users, Registered Users 2 Posts: 1,618 ✭✭✭Squatman


    Yes, a write off is when the cost of repairing it outweights the value of the car after it is repaired. The insurance company will pay you to fix it all the same!


  • #3
    Squatman
    Registered Users, Registered Users 2 Posts: 1,618 ✭✭✭Squatman


    Also, call your insurance, and cut out the middle man. the insurance company will advise you. We will speculate:D


  • #4
    Senecio
    Closed Accounts Posts: 971 ✭✭✭Senecio


    Depends on the type of write. Some occur because the car is too dangerous to repair, others are just because the car is more costly to repair than it is worth. If its the latter which it appears to be, you may be able to keep it.


  • #5
    lynchie
    Registered Users, Registered Users 2 Posts: 2,013 ✭✭✭lynchie


    If its an economical write off, you will be offered market value. If you keep the car, you will be offered market value less the salvage value.


  • #6
    bazz26
    Registered Users, Registered Users 2 Posts: 51,363 ✭✭✭✭bazz26


    As said if it is an economical write off then it just means that it is too expensive to repair compared to it's market value. If the insurance company write it off and give you the market value of the vehicle then you should be able to buy the car back from them at it's scrap value. You can then get the car repaired if you like.


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