Car incident..insurance..what to do

[littlerose12345]

Hi all

Someone hit our car, she accepted liability and her insurance was on the case straight away.
Was a very minor bump and thankfully all parties are ok (although hubby is saying his shoulder is hurting)
The engineer report has come back saying its a total loss due to repairs costing more than the car value. (2009 Hyundai i20)

Has anyone had similar? Report saying it's total loss "non structural" but then goes on to say the vehicle has even deemed a total loss but will require a thorough examination and check.

We weren't planning to replace the car and tend to run them to the ground.

They are quoting a salvage cost..do we have to pay that if we decide to keep the car and repair it ourselves? They have quoted a pre accident value, deducting a salvation value to give a settlement figure. Is the settlement what we would get if we take the payout? Why would they deduct a salvage value?

Feel completely clueless and not sure what to do 😭

Yes, the settlement is what you’d receive, and they deduct a salvage value as that’s what they’d get by selling the car to a scrap yard, but (I’m assuming) you’ve said you want to keep it and repair it yourselves?

Check the pre-accident value they’ve quoted, could you buy like-for-like with it? If not, push for an increase. Sometimes they make a cheeky low offer, but nowadays they often get it right, but it doesn’t hurt to check!

Also make sure the repairs can be done for the costs you think, and be aware they’ll put a marker on the car that says it was an insurance uneconomical to repair write-off.