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What To Do If Your Car Is Written Off

Car accidents are an unfortunate reality of life, and they can leave you feeling shaken and vulnerable. If your car is written off, it can be overwhelming and confusing to know what to do next. In this article, we’ll discuss the steps you should take if your car is written off.

First Things First: Safety

If you’re involved in a car accident, the first thing you should do is prioritize your safety. If you or anyone else in the car is injured, call emergency services immediately. If everyone is safe, make sure to move your car off of the road if possible and turn on your hazard lights.

Contact Your Insurance Company

After ensuring your safety, the next step is to contact your insurance company. Most insurance companies have a 24-hour helpline you can call to report the accident. Make sure you have your policy number and details of the accident on hand when you call.

Assessing the Damage

Your insurance company will likely arrange for an assessor to inspect the damage to your car. If the assessor determines that the cost of repairs exceeds the value of the car, your insurance company may declare your car a total loss, or “write it off.”

Understanding the Write-Off Process

If your car is written off, your insurance company will pay you the market value of the car at the time of the accident. This amount may be less than what you paid for the car or what you owe on your car loan. If you have gap insurance, it can help cover the difference between what you owe and what your insurance company pays out.

Salvaging Your Car

After your insurance company has declared your car a write-off and paid you the market value, you may have the option to keep the car and salvage it. This means you can either keep the car as is or sell it for parts. However, keep in mind that once your car is written off, it will have a “salvage” title, which can impact its resale value.

Buying a New Car

If your car is written off, you’ll need to purchase a new car if you don’t have a replacement vehicle already. Consider your budget, needs, and preferences when selecting a new car. Make sure to research different makes and models, read reviews, and test drive several cars before making a decision.

Negotiating with Your Insurance Company

If you feel that the market value your insurance company has offered you for your car is too low, you may be able to negotiate with them. Gather evidence such as receipts for recent repairs or maintenance, and sales listings for similar cars in your area to support your claim.

Transferring Your Insurance Policy

If you purchase a new car, you’ll need to transfer your insurance policy to your new vehicle. Contact your insurance company and provide them with the details of your new car, including the make, model, and registration number.


A car write-off can be a stressful and overwhelming experience, but knowing what steps to take can help make the process smoother. Remember, prioritize your safety first, then contact your insurance company and understand the write-off process. If your car is written off, you may have the option to salvage the car, negotiate with your insurance company, or purchase a new car.


  1. Will my insurance company pay out for a write-off if I was at fault in the accident?

    Yes, your insurance company will still pay out for a write-off even if you were at fault in the accident. However, your premiums may increase as a result.

  2. Can I still drive my car after it’s been written off?

    If your car has been declared a total loss, it’s illegal to continue driving it on the road. However, you may be able to drive the car to a salvage yard if you’re keeping the car.

  3. How long does the write-off process take?

    The write-off process varies depending on your insurance company and the circumstances of the accident. It can take anywhere from a few days to several weeks.

  4. Do I have to accept the market value offered by my insurance company for my car?

    No, you can negotiate with your insurance company if you feel that the market value they’ve offered is too low. Gather evidence to support your claim, such as receipts for recent repairs or maintenance.

  5. Will my insurance policy cover a rental car while I’m waiting for a replacement vehicle?

    Some insurance policies include rental car coverage, but it’s important to check your policy to make sure. If your policy doesn’t include rental car coverage, you may need to pay for a rental car out of pocket.

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