Car Insurance - Insurer wants to write-off vehicle
Who is your issue with?
Resolver is free. No adverts, no hidden costs. Just raise a case and leave feedback after. Simple! We’ve helped millions of people find a resolution. Get started now and let’s get this sorted.
Know your rights
There’s no jargon in our rights guides. Instead, they’re full of the info you need to get things sorted. We’ll always be on hand with guidance and support to help you get the results you’re looking for.
Get your voice heard
You can be certain that you’re talking to the right person at the right time. We automatically connect you to contacts at thousands of household names, ombudsmen and regulators to find a resolution.
Your policy and the documents you have that explain that policy contain all the provisions under which you may make a claim, and each claim carries its own burden of proof. Your insurer is obligated to restore the vehicle to the same condition it was in at the time of the damage or accident. However, if the cost to repair your vehicle is greater than the book value of the vehicle, your insurance company will always opt to pay the book value and inform you the car is a write-off. The official source of this value is known as the Canadian Red Book and is the industry standard for car valuation. A variety of factors are considered for the valuation. Mileage, age of the car, condition prior to new damage. Often, people are shocked by the depreciated value of the vehicle. All insurers offer optional coverage that will guarantee replacement value, but you will have to check if you have this coverage. If you are not happy with the valuation, you can dispute it. We suggest you do so by opening a case right here on Resolver, asking your insurer to reconsider the valuation.
Resolver can assist you in submitting and tracking your issue quickly, free of charge and without the hassle. If you are unhappy with their response, Resolver can help you escalate the complaint and will advise you to whom to escalate within the insurance company.
We have 1,264 pages of rights advice for you covering 286 companies and organisations across 6 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.
Start by telling us the name of the company or organisation you have an issue with.