Insurer wants to write off my car

I had an accident in my Toyota Corolla Verso 2005. My insurance company told me it is written off as non economical to repair. They want me to reply within 10 days though I am going on a 20 days holiday in 2 days. They want to offer me £2860 for settlement. I feel it is unfair as I am only owner of car from brand new and I had no problems with it whatsoever and just had MOT 2 months ago. What to do? Can I get my car back and drive it until settlement is agreed?

Asked on 5 July 2015 by Toyota verso

Answered by Honest John

Simply refuse to allow them to 'write it off' and demand its return. However, if they cut up rough and refuse to maintain your insurance on it, you are then committing an offence subject to points and a fine, so if you are about to go on holiday you are between a rock and a hard place. You would have to take it off the road and declare a SORN to stay legal. The sticking point with the insurer is probably credit hire for keeping you mobile while the car is being repaired. If you agree not to demand this then you may find them more friendly.

Tags: insurance write offs

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