Repairable or write off? Any clue?

[simonchau]

I'm only wanting the car for parts otherwise, I wouldn't keep it cause I seen what happens to cars that get repairs and get smash agains.

[d_evilz]

aw, mingzai beat me to the rear bumper
anyways, dibs on center compartment (below the stereo unit) =D

[HunterZero]

Ohs, thanks for the help, but apparently my friend said that if the car is a total loss, you keep it. I wasn't too sure that's why I'm asking you guys

Check with your insurer, but it's standard for the insurer to take ownership of the wreck if they pay you out for total loss. You might have an exception or other arrangement eg, with Shannons.

- HZ

[simonchau]

Ohs, I'll check with them,

d_evilz, I'll see how it goes and I'll let you know about it

[HunterZero]

They're effectively buying your wrecked car from you at agreed/market price.

- HZ

[peetah]

Glad nobody was hurt. Sad to see another Euro gone though. Write off for sure.

If it's written off, you get a payout, and the insurance company takes ownership of the wreck. You may be able to negotiate to buy the wreck back, eg to part it.

If you were not at fault, then likely your insurer will still pay you out, and seek compensation from the at fault party, eg the other driver or their insurer if they have comprehensive or third party property insurance.

I would not want the car back anyway after such severe damage, especially if the frame is bent. The car will likely never track straight again, and will have fit/finish issues. Worst of all if you are in another accident, then there's chance of the repairs causing things to going wrong and safety features not working correctly a second time, eg airbags not deploying.

Hope you have good luck looking for another car.

- HZ

I could be wrong but in NSW I believe there are no more repairable write offs so if an insurance company declares it a write off then it cannot be re-registered and would only be good for parts. If it were to declared a write off and then end up in the hands of the insurance company (ie. you don't purchase it off them) it would be sold at auctions to a wrecker. At least that's my understanding of the current system.

[simonchau]

Ohs, if thats the case, I guess bad luck for me for the parts.

[peetah]

I could be wrong but that was my understanding of the current process in NSW. Of course you could offer to buy the wreck off the insurance company. In this scenario they're basically selling you the wreck instead of taking it to the auctions and selling it there. In that case they'll take that amount out of your payout from the insurance claim. Unfortunately I haven't had any experience in this so can't really help you there

[HunterZero]

I could be wrong but in NSW I believe there are no more repairable write offs so if an insurance company declares it a write off then it cannot be re-registered and would only be good for parts. If it were to declared a write off and then end up in the hands of the insurance company (ie. you don't purchase it off them) it would be sold at auctions to a wrecker. At least that's my understanding of the current system.

Correct, but you can still negotiate to buy the wreck back for parts, or apply for an authorisation to repair under exemption "Same registered operator for at least 28 days", although no guarantees of approval, especially if the car has structural damage. It's not worth the effort for this car.

Otherwise the VIN chassis/engine nums go onto the written off car register, and can't be reused to register a car.

- HZ

[simonchau]

I just asked a friend of mine, recently her car been a total lost and her instance offered her if she wanted to keep the car, so I was just wondering if they would let me. That's why

[ChaosMaster]

The thing is, if you want to purchase it to repair (which Simon clearly doesn't) then it's a no go. But if you want to purchase it to part out, then there's nothing wrong with it. Again, from my past experience, the insurer will want 70% of the payout for you to keep the car (in my car, it was hail damage so nothing wrong with the drive-train).

[simonchau]

Sighs, the insurance isn't going to write off my car for me, they're willing to fix it. I told them I don't trust damaged parts, they went on saying they would use genuine parts. Now I need a expensive and good repairer in Sydney. Any recommendation?