Do I have any rights if my car’s an insurance write off?
If you’ve made a claim and your insurance provider wants to write off your car, you can challenge them if you don’t agree. But bear in mind you’ll need evidence to back up your opinion.
If you don’t agree with the value that’s been placed on your car and you think it should be higher, then check out reputable second-hand car price guides. Or look at adverts of cars that are the same make, model, age and condition as yours. All of this can be valuable evidence to reinforce your argument. If your insurance provider still insists in writing off your car, you can pay for an independent engineer’s report, which can be offered as evidence in court.
Similarly, if your car’s been modified, then make sure you keep your receipts. These can be used as further proof that you think your car is worth more than the insurance provider’s estimation.