Car Insurance Uneconomical Repair

Category n formerly.

Car insurance uneconomical repair. Discussing the value of your car. This is a widely held misconception. Category s formerly category c. Friends galactic mileage passat was in a shunt sustained a crack to the bumper uneconomical to repair new colour matched bumper so he got 400 and the car back gaffer taped over the crack.

The insurance companies liability lies at the repair cost as to what it would have cost them had they repaired your vehicle. An uneconomical repair however is based on a repair to value ratio which can be different for each insurance company and car. If this happens you can dispute the assessment but you only have a very short window in which to do so. Keeping your car in the event it s written off.

Collection via our salvage agents. The reason the insurance company said it was uneconomical to repair would be because the cap price of the vehicle at its current age and mileage is probably extremely low and its cheaper to pay you the residual cost of the vehicle than pay out for the repairs. If the insurer decides that your vehicle is uneconomical to repair and declares it a write off you may disagree with the cost quoted to repair your vehicle or your car s salvage value. If insurance wants to write off then you can of course.

If your car s been written off you can call us to find out about. Speaking to them and they will probably make you an offer and you can buy the car back and then once more pay for the repair damage yourself. The car has suffered structural damage and would be uneconomical to repair. If repaired by a professional it may be returned to the road.

If you are going to complain about the insurer s offer of settlement i would suggest you do not ask for a cil as this may give the opportunity to an insurer to try and offer less but force them to give it to you ie elect to use your own repairer. So if your vehicle was worth 5 000 and your insurance company used a repair to value ratio of 60 the vehicle would be considered beyond economical repair if the work needed exceeded 3 000. Reputable repair centres do not hike the price up. I can illustrate the difference using my wife s car as an example my wife has a peugeot 406hdi110 estate we have 3 dogs which was a cat d insurance write off as uneconomical to repair.

What they do is quote to the standard of repair required by the insurers.