Insurance…?

Sonny G: Insurance…?
Hello all, I recently had a car crash, i didnt think an awful lot of the car damage and didn’t see at as a major problem as opposed to it being repaired, anyway despite this i received a phone call a couple of minutes ago from my car insurance company, They had picked my car up and took it down to their garage to assess the damage that had been caused (i’m with kwik-fit car insurance). The gentlemen who i was speaking to on the phone worked directly with Kwik-Fit and said there is nothing we can do to rescue the car, it’s a write off…Okay i said, so what happens now i asked? he basically said that he will send the information he has through to the office where they will then send me some documents in which once i have received i will take the necessary action..im guessing i will have to send them some details of some sort. He then continued that after some research he valued my car at 6,200 this is all very well, but what on earth happens now? my car is only 1 Years old
I also have no car/road toax..will this effect me in anyway whatsoever?

Answers and Views:

Answer by Queen B
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!

Answer by THE BIG MELON
Get a second opion.

Answer by Jimbo
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.

Answer by entidtil
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.

Answer by danjwalker2003
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.

Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.

If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.

Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.

Hope you find this information helpful.

P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?