The insurance company say my car is a cat D write off, how can i make them repair my car?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Feb 21, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Brooklyn, NY
Asked on 02/21/2012
The insurance company say my car is a cat D write off, how can i make them repair my car? The accident was no fault of my own and because the car is under finace i will not get any money if it is written off. This will cause me to loose my job and then my home
Answer given on February 23, 2012
If your car is damaged in an accident, the insurance company determines the cost to fix the car. If the cost is close to the actual cash value of the car, then they will total the car and give you the amount the car is worth. Unfortunately, often this is not the same that is the amount owed on the car. Unless your policy includes “gap coverage” the insurance company is not required to pay anything further for your car.You may be able to buy the salvage back on the car and get it fixed. While this does not help you pay off the car, it may be less expensive than trying to buy a replacement car. You should also talk to your lender to see if your loan includes any gap coverage, which would pay off the loan on the car after the lender receives the proceeds from the insurance company. If you don’t have it, see if you can work out adding the balance to a loan for a replacement vehicle. If you were on time with your payments, the lender may be willing to try to help you.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.