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Insurance write off
my insurance have written off my car, the accident was not my fault and the other driver has admitted liability. Thing is my insuarance are saying if i want to remove any parts from the car then i need to replace them with the original items, i cant understand why i would need to put alloy wheels on a car that is going to be scrapped?, i am not leavin my new alloys on there but putting original alloys on seems ridiculous, surely i could just put some crap wheels on??
Also i have asked about buying my car back and they have said that they dont offer that, i thought all insurance companies did?
Any advice appreciated, are they wrong or right to say these things?
Also i have asked about buying my car back and they have said that they dont offer that, i thought all insurance companies did?
Any advice appreciated, are they wrong or right to say these things?
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Your Insurance company could refuse to sell the vehicle back to you depending on why it was written off. If it was uneconomical to repair then they should offer you the vehicle back, however it could be deemed unroadworthy or road legal, in which case it would be too dangerous to be put back on the road.
With regards to the wheels. They request that you put these back on as they value the vehicle as a whole and without replacing the wheels, it will decrease the valuation of the vehicle. In effect they are buying the vehicle from you and want exactly what they are buying.
Hope this helps.
With regards to the wheels. They request that you put these back on as they value the vehicle as a whole and without replacing the wheels, it will decrease the valuation of the vehicle. In effect they are buying the vehicle from you and want exactly what they are buying.
Hope this helps.
and also, once the vehicle has been written off the vehicle technically belongs to the insurers.
Just make sure they do use their usual excuse, and offer you trade value for the car. I had this once. My car was worth �2000, and they offered me trade at �700. They did not realise that I am a fleet manager and have access to all sorts of info, espcially the glass guide. Whe I told them that they should not be offering me trade value, as I am not a trader, they then gave me the full �2000. As buyer you can not walk into a dealer and pucrhase a vehicle the same as yours for trade, thats why always ask for the full value.
Are you insured with Direct Line? Because they are the worst at this sort of thing!
Just make sure they do use their usual excuse, and offer you trade value for the car. I had this once. My car was worth �2000, and they offered me trade at �700. They did not realise that I am a fleet manager and have access to all sorts of info, espcially the glass guide. Whe I told them that they should not be offering me trade value, as I am not a trader, they then gave me the full �2000. As buyer you can not walk into a dealer and pucrhase a vehicle the same as yours for trade, thats why always ask for the full value.
Are you insured with Direct Line? Because they are the worst at this sort of thing!
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