Uneconomical repair

[JHRP2000]

Please advise!

I am currently waiting to hear whether my car is economincal to repair or not. I recently had an accident on a dual carriageway where a man hit into the front left hand side of my vehicLe as he was pulling out of a slip road onto the dual carriageway, but he is currently not admitting liability. I have asked my insurance company to request the CCtv footage of the accident which will prove he is liable - is there anything else I can do as this is the 2nd accident in 3 months that someone has hit into me and been at fault, but I have lost out because the third party have not admitted liablilty? I thought that if it could be proved the other person is at fault even if they are denying liability I could win the claim?

I would also like to know if I am told it is not going to be cost effecive to repair aince I have comprehensive cover I will get the market value of the car, but does anyone know if I can still legally keep the car and re-imsure it or do I have to surrender it to the insurance company because they have paid out for it?

Please help as I am very stressed!!!!

Category C and Category D Registered Cars

[mfewell]

If your car is pronounced beyond economical repair, try to find how far beyond.  I was in a similar situation a couple of years ago. The delight of my life (Citroen Saxo VTS) was shunted up the rear and announced beyond economical repair. I went to visit the coachworks in person and pleaded with them to do the repair within the value of the car - and they did ! It sounds trite, but I got my car repaired, and it came back gleaming and in better condition than when I bought it.

Where the insurance companies made money in my case was from my use of a hire car paid for by the other party's company. The coachbuilders took their time repairing my car, believe me ! 

Good luck anyway.

[Sammy Snake]

Whh my car was written off last year, my insurance company gave me three options:

1 - Have the car repaired

2 - Have �900 paid to me

3 - Have the car back (not repaired) and also �600.

I went for the 2nd option but maybe you would opt for the third.  If they pay out the full market value then they are the owners of the car and you can't keep it and re-insure it.  Howvere they may pay less than market value and let you keep it, like option 3 above.

[jake-the-peg]

I answered a question a little while back on the write off categories here:

http://www.theanswerbank.co.uk/Motoring/Question122973.html

It sounds as if you're car will be a category C or D - Now is the time to call the underwriter and talk to them about it. If you want to repair it yourself you want them to classify it as a D because then the police don't take an interest.

Thing about a repaired write off is that it is always on the cars record which affects it's resalability and some insurance companies do have a policy of not insuring them.

Mostly insurance companies will sell the car back to you at a very low price - actually for most cars it'll cost them to dispose of it