If your car is ‘written off’ after a road accident, few insurers will continue to provide a courtesy car or replacement hire-car for you to use unless you have paid extra for this as an option on your policy.
Car Call UK independently provide accident assistance to anyone who was not at-fault for the accident they were involved in. We and our partners help thousands of motorists every year get post-accident assistance and without a claim on their own insurance.
As part of our service we include the provision of a like-for-like replacement hire vehicle to use for the duration of your repairs and if your vehicle is a ‘write-off’, you can continue to use your replacement for up to 7 days after you receive the settlement cheque for your vehicle.
What exactly is a write off?
An insurance company will consider a vehicle to be a ‘write off’ if it is considered to be beyond economic repair. In other words, the cost of repairing it would be more than the insured value of the car.
Even though the damage may seem minor, the replacement parts are not usually the major cost, it could be the labour charges that often push the costs over uneconomical threshold.
When a vehicle is written off or considered to be a ‘total loss’ by an insurer - it will be then be referred to as 'salvage'. This will then be categorised as follows: -
Category A. This vehicle has been inspected by an appropriately qualified person, declared unsuitable or beyond repair and has been identified to be crushed in its entirety. This vehicle is deemed not suitable to be repaired. Must be crushed without any parts being removed. This vehicle will be classed as waste.
Category B.This vehicle has been inspected by an appropriately qualified person and declared unsuitable or beyond repair. The vehicle is deemed not suitable to be repaired. Usable parts can be recycled. This vehicle will be classed as waste
Category S. This vehicle has been inspected by an appropriately qualified person and declared suitable for repair. Repairable vehicle which has sustained damage to any part of the structural frame or chassis and the insurer/ self-insured owner has decided not to repair the vehicle.
Category N. This vehicle has been inspected by an appropriately qualified person and declared suitable for repair.
Repairable vehicle which has not sustained damage to the structural frame or chassis and the insurer/ self-insured owner has decided not to repair the vehicle.
While the damage to the vehicle has been noted as non-structural, there may still be some safety critical items that require replacement e.g. steering and suspension parts.
About our non-fault claims service
In addition to providing suitable replacement vehicles, we also provide a complete repair service. If after inspection by an independent automotive engineer – your vehicle is considered economic to repair, we will arrange for your repairs to be carried out at an approved accident repair centre.
Your repairs are fully guaranteed and our repairers only use genuine replacement parts, fitted according to the manufacturers specifications.
If you have been unfortunate enough to be injured and/or you have lost or damaged possessions in the accident, we will also put you in touch with the solicitors we work with who can help you resolve these issues as part of your overall claim with us.
To find out more, please call on 02392 484 244 and one of our experienced claims advisors will be happy to help
Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.