Vehicle write-off is more complicated than a simple payout — via drivingdotca Insurance
What that means is that the cost of repairing the vehicle is more than the actual value of the vehicle itself.
Plus, there are the airbags. Even when repairs don’t appear to be bad on the surface, deployed airbags can add several thousand dollars to the repair of a car and might indicate greater structural damage than is visible at first glance.Insurance companies are for-profit and will look to minimize risks and their losses — but you can fight decisions if you don’t agree with the original assessment.
Lastly, you have the right to buy back your car after the write-off and attempt to repair it yourself. Likely, the insurance company will reduce the amount of your settlement by the buy-back amount and return the car to you.If, for example, you borrowed money to buy your car and the value of your loan is greater than the value of your vehicle — and you don’t have gap insurance — you’ll still be required to pay back the difference to your lender.
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