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Repairing vs writing off a car - any thoughts? (beehaw.org)

submitted 11 months ago* (last edited 11 months ago) by [email protected] to c/[email protected]

8 comments fedilink hide all child comments

So I had a crash. My car has been assessed as a repairable write off and I have to decide if I push the insurer to repair or I take the payout. I owe no money but would be out of pocket to purchase new(ish). I was not intending to trade it in or sell in the foreseeable future.

I understand the process if I opt for a write off. If I push for repair I know it needs review and scutiny.

I am thinking of pushing for repair. Anyone else gone down that path? Any gotchas or experiences to share? I really am in two minds right now.

Edit: had long chat with the repairer and reviewed the damage and went with write off. Panels and all the suspension on one side was stuffed and needed replacement. The risk of other stuff being just out enough to cause future problems, and risk of issues from sitting out for months waiting on parts was just more than I wanted. Got a fair payout. Bye beasty. Thanks for crumpling so I didn't...

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[–] [email protected] 4 points 11 months ago* (last edited 11 months ago)

Honestly, if the payout for your car is fair value, just take the money unless it's something particularly desirable. A Mazda 3/cx 9/Ford focus/povo pack ba falcon is not. Just get the offer, have a look and decide if it's worth it. If you can't buy an equivalent or slightly better car, put your foot.down (e.g. if it's a shitbox, you may not be able to afford another car)

Any more details for us with what's happened and what it is?

I've had two not at fault accidents and I had no want to get the cars back due to the mode of damage, one was a BF2 ute and the other a CX9