If your car is badly damaged in a non-fault accident, it may be declared a “total loss” — more commonly known as being written off. Here’s what that means and how to make sure you get a fair deal.
What is a write-off?
A vehicle is written off when the cost of repairing it exceeds its value, or when it’s unsafe to repair. In that case, instead of paying for repairs, the at-fault driver’s insurer pays out the market value of your vehicle.
How is the value decided?
The market value is what your vehicle was worth just before the accident — based on its age, mileage, condition and comparable vehicles for sale. Insurers will often make a low initial offer, hoping it will be accepted.
Don’t accept the first offer
The first figure an insurer offers is frequently below what your vehicle is actually worth. You’re entitled to a fair market value, and it’s worth challenging a low offer with evidence of comparable vehicles and your car’s condition and history.
How we help with total loss claims
We know what vehicles are really worth and we push for the full market value on your behalf, rather than letting you be short-changed. We handle the negotiation with the at-fault insurer so you don’t have to argue the case yourself.
Will I be left without a car?
No. While your total loss claim is being resolved, we keep you mobile with a like-for-like replacement vehicle, so a write-off doesn’t leave you stranded.
Been in a non-fault accident?
Our team is available 24/7. We handle everything — recovery, a replacement vehicle, repairs and your claim — at no cost to you.
Please note: this article is general information about how non-fault accident claims usually work. It is not legal advice and does not create a client relationship. Every claim turns on its own facts — if you need advice on your situation, get in touch and we’ll talk it through with you.