Can i ask my insurance company to write my car off?

Question

my car has just been scratched around every panel and is going to need some serious paint work. if the insurance want to repair it am i within my rights to refuse having the car repaired and instead having it written off. as the ammount of paint its going to need i feel it will greatly reduce the value of my car.

Answer 1

Simply put, it is their decision as the whether they pay for repairs or write it off, I'm afraid.

Answer 2

You can not accept payment from the insurance and just leave the car as is.  You can accept the payment and not make repairs however keep in mind should you get in an accident, any prior damage will be deducted from what they pay you for repairs.  Eitherway if you leave it without repairs, yes the value will go down.  However I'm not positive but I believe if you do accept payment, whether you repair or not, your premiums likely will go up.  If you're looking for them to total the car, likely they will not.

Answer 3

>>  if the insurance want to repair it am i within my rights to refuse having the car repaired and instead having it written off. as the ammount of paint its going to need i feel it will greatly reduce the value of my car.

To write it off, they would have to pay the whole value of the car.  So you are asking them to buy your car.  NO.  They won't do it.

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Yes your car will lose value.  So what.  All cars lose value.

Good luck...

Answer 4

Certainly you can refuse their offer, and they will withdraw it and keep the money it would cost them to have it repaired.

The insurance will take the lesser amount in all cases.  If it would cost less to repair than total, they will repair, and your demands to write it off will fall on deaf ears.

If you are going to be that unhappy with the repairs you haven't even seen yet, repair it and then sell the car to get something you will be happy with.

Your contention that fixing a car to as good or better than it was will somehow reduce its value is completely without merit.

Answer 5

no a car is only a write off if it cannot be repaired or its not worth the cost of repairs

Answer 6

LoL. Absolutely NO WAY is your car going to be totalled.

its simple- they owe you repairs or the value of your vehicle.. whichever is cheaper.

Why on earth makes you think a new paint job will make the car lose value? If anything it will gain value.. its not like this is mechnical repair or something.