Will my car be written off?

[AchmatK]

My wife was involved in an accident on Friday night at about 22:40 on the N2 just after the False Bay One Stop on her way home to Somerset West. She hit a pedestrian crossing the highway. She is fine but the pedestrian did not survive.

I was first on the scene and no other witnesses or motorists stopped. Paramedics and police were there 15 minutes later and were very helpful. They said there was nothing my wife could have done and was lucky that she did not swerve and potentially roll the car.

The car is currently with the insurance but the assessors will only look at it next week and I should know by the end of the week what they decide. Ideally I want then to write it off. Wife will not be comfortable driving the car again. The car starts and no warnings come on. It does however look like the radiator and aircon is busted.

So how likely is it to be written off based on the limits info and pics I can give in the condition of the car?

This is our first accident where the car potentially could be written off. Already checked and the settlement is less than what the car is covered for so not worried about having to pay anything in. Will probably get between R50k and R60K if the insurance writes it off.

 

[MickeyD]

Is the front bumper damaged as well?

Any mechanical damage (engine, etc)?

If yes, to any one, then they will write it off.

 

[MickeyD]

Main thing is that your wife is OK. But she will need counselling...

 

[The_Mowgs]

Is the front bumper damaged as well?

Any mechanical damage (engine, etc)?

If yes, to any one, then they will write it off.

Glad your wife is ok but knowing someone that went through this it will be very tough for the wife but stay strong.

Mickey why do you say if the front bumper is damaged it would be a write off?

 

[FiestaST]

Hectic...that is a proper smash & getting over the death can't be easy. All the best to both of you.

 

[ahoudet]

Depends on the age of the car but it looks like its very likely to be written off

 

[MickeyD]

Mickey why do you say if the front bumper is damaged it would be a write off?

With the other visible damage to the vehicle PLUS the cost to replace/repair the front bumper, it will push up the total repait cost way beyond the write-off threshold.

 

[saor]

Hectic...that is a proper smash & getting over the death can't be easy. All the best to both of you.

Aye.
Hope she's doing ok.

 

[RichardG]

Depends on the age of the car but it looks like its very likely to be written off

I agree. You won't get much you will only get book value for the car. If the car is suffering from mechanical problems they write-off the car,or if it exceeds trade-in price. Depends on the car insurance accessor

 

[AchmatK]

Is the front bumper damaged as well?

Any mechanical damage (engine, etc)?

If yes, to any one, then they will write it off.

Not sure if there mechanical damage. The car did start and there are no warning on the dash.

Main thing is that your wife is OK. But she will need counselling...

Have a friend that is a clinical psychologist on standby for when she is ready to talk about it.

Depends on the age of the car but it looks like its very likely to be written off

It's a 2013 Citroën DS5. Insurance value is at R268k. Settlement value with MFC as of today was R212k. This excludes the payment will going off tomorrow. Excess is R3k.


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[Splinter]

Jeez, that's hectic. Glad your wife came out (physically) ok. I'm no expert, but based on the value of your car I would say it's reparable. But that's up to the assessor.

 

[pinball wizard]

It's a 2013 Citroën DS5. Insurance value is at R268k. Settlement value with MFC as of today was R212k. This excludes the payment will going off tomorrow. Excess is R3k.


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Those values, those pictures, looks like they will repair.

How many air bags went off?

 

[AchmatK]

Jeez, that's hectic. Glad your wife came out (physically) ok. I'm no expert, but based on the value of your car I would say it's reparable. But that's up to the assessor.

The insurance agent (Dial Direct) said that if the repair cost is more than 50% of the insured value they might right it off. Guaranteed write off percentage is 68%.


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[AchmatK]

Those values, those pictures, looks like they will repair.

How many air bags went off?

None. Was also surprised that it did not go off.

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[MickeyD]

None. Was also surprised that it did not go off.

That changes my prediction then... I thought they had.

 

[pinball wizard]

None. Was also surprised that it did not go off.

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Unfortunately more reason to repair.

 

[pinball wizard]

The insurance agent (Dial Direct) said that if the repair cost is more than 50% of the insured value they might right it off. Guaranteed write off percentage is 68%.


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There's less than 100k damage at a quick look.

 

[Arthur]

Man, I'm sorry to hear about this. Thank goodness your wife is ok.

Can't comment about the car. Photos show only outside visible damage, which is generally quite easy to repair. The assessor will do a physical inspection and decide, of course.

Hope you get it all sorted out quickly.

Let us know what happens.

 

[AchmatK]

I'm hoping there might be some underlying damage not visible that might push them to write it off. Or convince them that my wife cannot drive a car that she drove and was involved in an accident with where someone lost their life.

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[pinball wizard]

Or convince them that my wife cannot drive a car that she drove and was involved in an accident with where someone lost their life.

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I did that with the last person I drove over. Worked well, cause I wanted to get rid of the car anyway.