The question an insurance company asks is: 'What is our cheapest option?'
Those two options are usually the overall cost of the repair, and the amount they will have to pay the insured if they write the car off.
Bear in mind the total bill to the insurer for repair can include courtesy car hire costs and other incidentals.
And if they write the car off, they get something back for the wreck.
So a swift write-off is a good option - for the insurer.
Were the owner of the car dealing with the damage on his own, then other factors such as service life of the vehicle and what he paid for it would come into play.
Last edited by: Iffy on Fri 30 Sep 11 at 16:20
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