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icandrive.ca Provides Tips on Handling a Vehicle Write-Off
Date:6/12/2013

Toronto, Ontario (PRWEB) June 12, 2013

A write-off is what happens with the cost to repair a vehicle is higher than the value of the vehicle itself. While write-offs are unfortunately all too common, many drivers aren’t aware of the procedure for writing off a vehicle or their rights during the settlement process. Here are the five main things you need to know if your vehicle is being written off.

1.    How A Write-Off is Determined. A write-off, usually called a Total Loss by insurance company, is determined after the company has seen estimates on the repairs for the car and has made a determination as to the value of your car. This value is calculated by the insurance company and is based on the fair market value of the car – that is, how much you could have sold the car for prior to the accident. When the estimate for repair exceeds that determined value, the car is a total loss.

2.    A Write-Off Isn’t Always an Accident. Many write-offs occur not as the result of an accident but as the result of theft. Cars are often stolen and then stripped for parts and later found abandoned as shells. The cost of repairing these cars is all too often higher than the value, especially if expensive parts are removed. This results in a total loss that will fall under the comprehensive portion of your insurance policy, and you will pay the deductible based on that coverage. This is the same with high risk auto insurance or standard policies.

3.    You Can Disagree With the Settlement. If the insurance company comes back with an amount of money to pay you for your car that you don’t think is right, you can fight it. In some cases, evidence of improve
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