Rover75 rear hit by a 4x4. Garage says not repairable what do I do? how much will the insurance pay?
Answers:
If they consider it a total loss, they will pay the market value of the car minus your deductible. That may not be enough to get a replacement and is definitely not enough to get it fixed to be as good as new.
What rights you have in that situation depends on the insurance laws of your state.
You can get it fixed any place that you want including a place that will do an OK but not great job (pull out the dents but not replace the damaged fenders for example). You can then finish the repairs yourself with parts from a junk yard or by banging out the dents yourself. When you are done you can ask the insurance company to pay you. They typically say they want to inspect the car. If they do and think it is not well done they will not let you be fully insured against damage from then on.
Also they may say that if they pay for the damage they may want to keep the car. You can offer to buy it back or just not take any money from them for any of the repairs.
Typically you end up screwed one way or another. Worst case is that they pay you and take your car. Even the best case is almost as bad as that.
If an insurance company puts it as a write off it will be impossible to insure the car ever again.
You cant repair it ever, as it has been classed as written off.
If you did repair it and sold it you would be fined, If you repaired it and tried to insure it you would not be able to.
Rovers are getting hard to get parts for already, the insurance company will make an offer based on what you said the value of the car was when you insured it and the current book price.
Insurance values are usually a few thousand lower than actual value.
It depends on the catogory of write off, cat c, cat d etc. Ask them you may be able to repair it yourself and take a slightly lower payout.
this is an uneconomical repair- if you are a third party you will get a good payout - keep up the pressure and see what happens
Initially, the insurance company will offer you little more than the trade value of the car. Given that it is a Rover 75 which has all the desirability of a turd in a swimming pool, and Rover is effectively out of existence,, that isn't going to be much. You'll have to keep on at the insurance company until you get something like an acceptable payout. I think you have a major struggle on your hands.
The vehicle might have pretty good salvage value, so the insurance company might not offer you as much if you keep the vehicle.
They should offer a contribution towards the cost of repairs, you will probably not be able to insure it fully comp afterwards, but you should be able to get a panel shop to straighten it out for less than insurance offer, make sure the rear doors are OK, open ok etc before going this route although with Rover residual values so low you will be hard pressed to buy anything with the insurance pay out.
you can bye the car off the insurance ang get it repaid but i think this is unwise so just take the money and get a new car as rover are dead gone and berrid
they will only pay you market value of te car but you should deman a courtisy car FROM HIS INSURANCE until your claim is settled they will try to fight it but as its a rear ender the other driver is to blame
You need to find out why the car is a write off. Is it just that the insurance company think it is uneconomical or is it that the car can never be made road worthy again. If it is the former you can buy the car back off the insurance company. However be aware that since it has been written off it will show up on an HPI and be worth at least 40% less than it would had it not been in a smash.
If it is the latter, i.e. the car cannot be made road worthy, then there is nothing you can do except push for as big a pay out as possible.
Just because the car drove ok after the carsh doesn't make it safe. It may well have structural damage that would only show up if the car was involved in another accident or it maybe that it is not possible to straighten it out enough to allow the boot to close. Either way you would not want it back under any circumstances.
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