Can I keep my damaged Mazda 6 if it is written off, and get it repaired myself?

My locked 2007 Mazda 6 TS 5-door auto parked on my driveway was struck by a car veering off the road at speed. After demolishing part of my neighbour's wall and part of my hedge it bounced off the rear of my car and ended up in my front garden, its front wheels having demolished part of my other neighbour's wall. The driver has admitted full responsibility and is insured with the RAC. My car is driveable, with all lights, etc. working; the main damage is to the rear door, which is jammed. Zurich, my insurer, has had my car driven to its accident assessors at Harlow to see if it is repairable. My worry is that if it is said to be a write-off, the compensation will be insufficient to buy an equivalent vehicle. Am I entitled to ask for the return of my car so I can get local repair quotes, while being able to use the car to get around in meanwhile?

Asked on 3 August 2013 by JG, Potters Bar

Answered by Honest John
Yes, you can demand that your car is not written off. It remains your property to decide the future of. If the insurers want to write it off you can probably come to a compromise whereby they give you the write-off vale minus the salvage value and you can use that money to get your car repaired locally. Unfortunately UK courts have ruled that you are only entitled to the 'market value' of the car, which is private sale price, not dealer price.
Similar questions
My beloved Rover 75 Connoisseur CDTi is a superb, way-above-average 2003, 93,000 mile pre-facelift example in Copperleaf with unmarked beige leather. The car was vandalised recently by some lowlife hurling...
Thanks to your advice, after a recent crash, I have had a quote from an independent garage which was quite a lot cheaper than the quote from the insurer's recommended repairers, and the insurance company...
My father was involved in a collision, causing damage to the nearside rear of his 2016 Ford Fiesta. The third party accepted responsibility and we contacted my father's insurer to inform them. We confirmed...
Related models
A very enjoyable drive, with excellent handling and some fine engines. Large luggage bay. Brilliant 'Karakuri' rear seat folding of hatch and estate.


Value my car