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What To Do If My Car Is Written Off ?

Car accidents can be a traumatic experience for anyone involved, and the aftermath can be overwhelming. One of the most devastating outcomes of a car accident is when your car is written off. It can be difficult to know what steps to take in such a situation, but there are things you can do to ensure you are properly compensated and your rights are protected.

Understanding What It Means for Your Car to Be Written Off

When your car is written off, it means that the cost of repairs exceeds the value of the car. The insurance company will then declare the car a total loss and offer you a settlement. In most cases, the settlement amount will be the market value of the car just before the accident.

It is important to keep in mind that the insurance company will take into account the age, condition, and mileage of the car when determining its market value. This means that you may not receive the full amount you paid for the car when you bought it.

Contact Your Insurance Company

If your car has been written off, the first step you should take is to contact your insurance company. They will guide you through the process of filing a claim and provide you with the necessary information and forms.

You should also inform the insurance company if you have any outstanding finance on the car. In this case, the settlement amount will go towards paying off the finance first, and you will receive any remaining amount.

Negotiate with the Insurance Company

The settlement amount offered by the insurance company may not always be satisfactory. If you believe that the amount offered is too low, you have the right to negotiate with the insurance company.

You can do this by providing evidence of the car’s value, such as receipts, service history, and documentation of any modifications you made to the car. You can also gather quotes from car dealerships and mechanics to show the cost of similar cars.

Consider Buying the Car Back

If you are attached to your car and don’t want to part with it, you may have the option to buy it back from the insurance company. This is known as a “buyback” or “salvage” option.

In this case, the insurance company will deduct the salvage value of the car from the settlement amount and offer you the difference. You will then be responsible for repairing the car and obtaining a new roadworthy certificate.

Know Your Rights

It is important to know your rights when dealing with an insurance company after a car accident. The law requires that insurance companies act in good faith and deal with claims promptly and fairly.

If you believe that the insurance company is not acting in good faith or is delaying your claim, you can seek legal advice or file a complaint with the relevant authorities.


Dealing with a written-off car can be a difficult and emotional experience. But by understanding the process and your rights, you can ensure that you are properly compensated and your interests are protected.

Remember to contact your insurance company as soon as possible, negotiate if necessary, and consider all of your options, including buying the car back. With the right approach, you can turn a difficult situation into a positive outcome.


  1. What is the difference between a write-off and a repairable write-off?

    A write-off means that the car is considered a total loss and cannot be repaired. A repairable write-off means that the cost of repairs is more than the value of the car, but it can still be repaired and put back on the road.

  2. Can I keep my car after it has been written off?

    If you choose to buy back your car from the insurance company, you can keep it after it has been written off. However, you will need to repair it and obtain a new roadworthy certificate.

  3. Will my insurance premium increase if I make a claim for a write-off?

    Your insurance premium may increase if you make a claim for a write-off, especially if you were at fault for the accident. However, this will depend on your insurance policy and the circumstances of the accident.

  4. What happens if I disagree with the insurance company’s settlement offer?

    If you disagree with the insurance company’s settlement offer, you can negotiate with them and provide evidence to support your claim. If you are still not satisfied, you can seek legal advice or file a complaint with the relevant authorities.

  5. How long does it take for the insurance company to settle a write-off claim?

    The time it takes for the insurance company to settle a write-off claim will depend on the circumstances of the accident and the complexity of the claim. However, insurance companies are required by law to process claims in a timely and efficient manner.

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