Comprehensive Insurance

[searchlight]

What happens when your insurer gets a repair quote from the garage but the insurer doesn't think the car is worth repairing e.g because it would cost more to repair than the value of the car?
Thanks

[Buenchico]

An insurer would normally require at least three quotes but, assuming that they all agreed, the insurer would simply 'write off' the car. It would become the property of the insurer, with you receiving the value of the car (or, more accurately, what the insurer thinks the car was worth - which might not be the same thing!).

Chris

[redcrx]

if they do write off the car and you think their settlement figure isnt enough, they may offer a higher price if you can prove that cars of same model, age condition etc are selling at higher price. Dont forget that you will have your excess and possibly the remainder of your years insurance cost taken from any settlement agreed

[AlBags]

First settlement offer is always worth arguing with .. cpecially if you have evidence (photopraphic or otherwise) to support.

[chas2008]

Sorry to disagree Buenchico but insurers do not get 3 quotes, they have there own recomended repairers where the car is directed that enables them to control the costs.
You are correct in what happens when it is deemed a write off.

[tali1]

The proof of higher selling price cars is very ambigous?- advertised at higher price and selling for higher price are 2 different things
And how would you prove how much actual cars sold for?

[searchlight]

Thanks for all the answers and I've just posted a new but related question