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My Vehicle is a Write-off – Now What?

February 23, 2011

There are approximately 150,000 automobile collisions in Canada every year. In a substantial number of cases, at least one of the vehicles involved is damaged beyond repair. Hopefully, this never happens to you, but in this article we’ll discuss what happens when a vehicle is damaged beyond repair in a collision and what your rights and responsibilities are as a consumer.

What to do if you’re involved in a collision

If you’re involved in a collision in which your car is severely damaged, you must immediately report the accident to the police. If you can do so safely, move your vehicle off the road and out of the line of traffic. Turn on your hazard lights or use cones or warning triangles if you have them.

You should record as many details of the accident as you can while the incident is still fresh in your mind, including:

  • The date, time and location of the accident.
  • The make, model and license plate number of all vehicles involved in the accident.
  • The name, address, phone number, email address and insurance information of all drivers involved in the accident, as well as contact information for any witnesses on the scene.

    Other helpful tips are:

  • The Insurance Bureau of Canada has an excellent accident report form that you can print off and keep in your glove box for use in case of an accident.
  • Contact your insurance company as soon as possible, certainly within 24 hours of the incident, to report the accident and get further instruction as to their claim procedures.
  • Don’t admit to any responsibility for the accident at the scene, even if you believe you were at fault. Simply describe the events that happened as objectively and truthfully as possible. It is up to the police and your insurance company to determine who is at fault based on a set of fault determination rules.

    What Happens When Your Vehicle is a Total Loss?

    After the accident, an insurance claims adjuster will inspect your vehicle and determine whether it can be repaired or whether it is labelled a "total loss".  A vehicle is considered to be a total loss (or a write-off) when the cost of repairs is greater than the current value of the vehicle. It may also be considered a total loss if the necessary repairs can’t be carried out safely or economically.

    If you’re in an at fault accident, and you have purchased Collision coverage, and your policy is in good order, your insurance company will pay for the cost of replacing the vehicle based on its current value, minus your deductible.  If you’re not at fault you are covered under the Direct Compensation coverage of your policy.

    How is the Settlement Amount Determined?

    The current value of the vehicle is considered to be the amount that the vehicle could have reasonably been sold for prior to the claim. The value is determined by the retail selling price of a similar vehicle, while taking into account considerations such as mileage, condition of the vehicle, upgrades, prior damage and so on.

    If your vehicle is considered a write off, your insurance company will calculate the vehicle’s cash value, including taxes and offer you a cash settlement for that amount. It is then your responsibility to buy a replacement car with the cash settlement.

    The insurance company takes possession of your written-off vehicle, and brands it according to one of two classifications based on the extent of the damage:

  •     Irreparable. Vehicles in this category cannot be repaired and driven, they are useable for parts only.
  •     Salvage. This includes vehicles that can be repaired and must then be thoroughly inspected prior to being driven.

    What if I want to keep my car?

    If you want to keep your damaged vehicle after your claim has been settled, you can request that your insurance company allow you to keep it. In this case, your cash settlement will be reduced by the amount the insurance company would have recouped by salvaging the vehicle. Keep in mind that if your car has been branded as "irreparable", you can never repair and drive it, you will only be allowed to salvage it for parts.

    "Salvage" vehicles must be repaired and pass a rigorous inspection before they can be legally driven. In the vast majority of cases, it simply doesn’t make financial sense to keep your damaged vehicle.  

    What if I Disagree With the Cash Settlement?

    If you disagree with the amount of the cash settlement you receive for your car, you have the option of discussing the matter with your claims representative. Before you do so, you should gather as much information as you can to prove your argument, and make sure you have receipts and signed statements to verify your claims.

    Other information that may be considered relevant to your claim would include proof of the actual prices of similar vehicles from car dealers or trade magazines, or blue book value. It’s best to list several prices to give a realistic value range.

    If you’ve had work done on the vehicle that increases its value, you should let your insurance company know and provide documentation. Work that increases your vehicle’s value includes upgrades or additions to your vehicle, but does not include the normal repairs that are required to keep the car running smoothly.

    If you and your insurance company disagree on the value of the car, you have the right to seek arbitration. Arbitration is the process of bringing in a neutral third party to settle the dispute. The arbitrator will examine the facts of the case and make a decision in favour of the consumer or the insurance company. Arbitration may or may not be binding on the parties involved, depending on your original agreement.

    If you still disagree, and the Arbitrator’s decision is not binding, you can contact the General Insurance OmbudService (GIO) for dispute resolution. This service is completely free of charge and is available to any insurance policy holder in Canada. As a last resort, you can seek outside legal advice.

    Hopefully, you will never be involved in a collision that involves the complete loss of your car, but in all cases, the best course of action is to communicate clearly with your insurance representative and make sure they are aware of all the facts in your case. If you have any questions, your insurance representative can answer them or find you the information you need.

    • Simon

      I had minor rear ender damage, inquired with insurance if they would pay to fix it as I have full insurance, but they said it would be a write off so I didn’t claim. I replaced two light bulbs myself. But 2 months later alberta transportation writes to say vehicle is branded salvage and can be driven any more. (Insurance company still tell me vehicle is insured) ????
      Any ideas.

    • Nick – InsuranceHotline.com

      If your vehicle has been deemed a ‘write off’, the insurance company may require a vehicle safety certificate to ensure that the damage has been repaired and the vehicle is safe to drive. If you do not provide this safety certificate, you insurance company may not pay any further claims as the vehicle would be considered unsafe.

      Check with your insurance company to see what their rules are regarding this.

    • Ben

      I got an accident,when i took my car to garage they told me its a write off case,and i haven;t changed my log book from the prior buyer,is there a problem please advice

    • Nick – InsuranceHotline.com

      Hi Ben,

      Can you please clarify your question. Are you referring to the vehicle ownership?

      Thanks,
      Nick – InsuranceHotline.com

    • Tyler

      I got into a fender bender by a flatbed cuting me off and hiting the front of my car with his back tires the autobody shop says theres a 80% chance its a write off the repairs are 3200 the cares in awesome condition and all it needs is a bumper and fender is it worth writeing off and leting them take the car or should i keep the care and take the settlement and fix it myself?

    • Nick – InsuranceHotline.com

      Hello,

      This is a tough and personal decision. You have to see how much your insurance company is settling with you for and go from there. If you decide to keep the vehicle, check with your insurance professional to see if it will be difficult to get insurance on a vehicle that was written off.

    • buddy

      just had an accident and a probable write situation…I bought seven years of full repair coverage six months ago for my 2011 car, good until 2018 and what happens to that and the money I put out for it. Can I get a refund or am I stuck for the 2000 dollars i paid for the extra coverage. also the bank actually owns the car, if I get a settlement, do they jump in and take it automatically or do i have a chance to buy another car and continue my payments.

    • Nick – InsuranceHotline.com

      It is best that you speak with your dealership as well as the bank to answer these specific questions.

    • Cliff

      We recently hit an live animal. Our car was brand new and written off. We had Limited Waiver of Depreciation coverage. What we currently owe and what the insurance company is offering as payment are different. It was my believe that the insurance company was obligated to pay out full amount owing. What are my options for full coverage?. Should I seek arbitration?

    • Frustrated with greedy companies

      Hi,

      I have a 1995 Oldsmobile 98 Regency Elite which was rear ended at the other person’s entire fault. My car may be old but the mileage is love (150,000km) it HAD no rust, no scratches and no dents and it runs fine. Now, they say my car is worth 1400$ and that to repair it to make it as it was would cost 2800 and to do an OK job would be 2000$ and so they say that its a total loss. Now, I use this car to drive long distances, around the city to play sports that ive registered and paid for and for other things as well and is very valuable to me. To add to that, I would not be able to get a similar car with the small amount they are going to give me and there is so much hassle associated with it, its def not worth it for me…. Why is it that they accept more than that in yearly insurance rates from me but i end out coming out of this with less than what I had?

      Thanks!

    • Nick – InsuranceHotline.com

      Hello,

      I am sorry that you were unhappy with your claim. Unfortunately, the insurance company must go by the “book” value of the car and not settle the claim for more than that. You can contact your insurance company ombudsperson if you would like to discuss your claim. You can get that name from your adjuster.

      Thank you.

    • Nick – InsuranceHotline.com

      Hi Cliff,

      If you are dissatisfied with your settlement, you can contact the ombudsperson for your insurance company. You can get this information from your insurance professional and/or your adjuster.

      Good luck.

    • Trish

      My insurance company wrote my car off at the beginning of September they took another installment payment after the fact, what should I do? They also sent me a renewal on my policy and increased my monthly installment payments, should I be receiving the money back that they took out of my account?

    • Nick – InsuranceHotline.com

      Hello Trish,

      Have you let your insurance company know that you want the policy cancelled? If not, contact your insurance professional and to discuss this cancellation. You will be required to sign the policy in order to have it cancelled.

      Thank you.

    • mich

      I was recently re-ended totally not my fault, sitting there minding my own business, substanial damage, was hit on the back right on an angle, its an suv, bumper ,back door, right passenger door back panel wheel well
      trunk buckled,muffler pushed up and folded to me it looks like 8,000-10,000 worth of damage, my insurance low balled it at 7000, what happens if when the repair shop finds more things wrong with it and it looks like it will be more costy to fix, is insurance responsible for fixing it or do they tell the shop to stay on budget at all costs
      what if i do not agree and want them to write it off would they?
      i think there could be saftey and durability issues, please advise
      many thanks

    • Nick – InsuranceHotline.com

      Hello Mich,

      Here is an article that talks about a write-off and how it is determined and what to do:
      http://www.insurancehotline.com/my-vehicle-is-a-writeoff-now-what/

      Hope this helps.

    • brittney ramos

      I was in an accident last month now my insurance is gonna pay me out the value does the lady who hit me do her insurance pay me out as well for damage to my car.

    • Nick – InsuranceHotline.com

      Hello Brittney,

      You will only receive a payout from your insurance company for the current market value of your vehicle (unless you have waiver of depreciation coverage). You should speak with your insurance company for further clarification.

    • Tanya Greenhalgh

      My question is….. do I have to give my vechicle back to the insurance company? What is with this branding thing? I know someone who cud use my written off vechicle for parts. I will be getting my settlement soon. They want to pick it up after I get my settlement. How do I go about this?

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Tanya,

      Most insurance companies will let you keep the “salvaged” vehicle… there could likely be an amount taken off your pay out for this. This is a conversation best to be had with your insurance professional.

    • Emma

      If i have full insurance and my car is in financing do they have to at minimum give me enough to cover the remainder of the financing? Isnt that why financing companies force you to get full coverage to recoup their loss?

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Emma,

      The financing on your vehicle is not associated with your insurance coverage. You are covered for whatever value the vehicle is at the time of claim.. regardless of what you “owe” on it. Speak to your insurance professional (broker/agent) to find out the details of your policy and find out exactly what your coverage it for your vehicle itself.

    • Ron Brown

      98 honda crv in perfect working order and no rust showing. Written off by insurance co because of hail damage assessment. Although the hail dents show, the paint was not cracked so I would like to keep the car. Can I and what are the steps?
      thanks Ron

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Ron,

      Speak with the adjuster about what the process is about purchasing the “salvage” as they would be the best ones to ask. Just a heads up, you may need to get an inspection done prior as it might be branded as a total loss.

      I hope this helps.

    • Richard jessome

      hi there ,id been involved in a vehicle accident ,my car was moving another vehicle pulled out and hit me ,i live in nb , i owned the vehicle there was a lien on it ,but my vehicle was written off ,why is my insurance responsible to pay my truck off ,shouldnt it be the other drivers insurance to pay in full costs owed to lien holder that owns the vehicle
      my insurance is full coverage and it was the fault of the other driver ,will my insurance be affected ,why would my insurance be sending a check to the lien holder it was not leased , please help me
      thanks

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Richard,

      You have a lot of specific questions. THese would be best referred to your insurance professional (broker/agent).

    • Sue McPherson

      If they go by “the book”, then why wouldn’t the adjuster tell me how much my car is worth? Is that amount the same as the amount they would offer me to settle a ‘write-off’?

    • Sue McPherson

      “If you want to keep your damaged vehicle after your claim has been settled, you can request that your insurance company allow you to keep it. In this case, your cash settlement will be reduced by the amount the insurance company would have recouped by salvaging the vehicle.”

      I don’t understand what this means. Say, for instance, the estimate for repairs on my vehicle at the ‘preferred’ garage is 2000. But to the insurance company my car has a value of only 1500, so they tell me it is a ‘write-off.’ If they allow me to keep it, how much would I get from them, and could I get is fixed at my own bodyshop, or are they going to want to inspect it so that I would be risking paying money for it to be fixed and then finding out that they arbitrarily reject the repairs, making it impossible for me to drive?

      The repairs needed on my car, which was hit while parked, do not prevent me from driving it or causing any risk, as far as I know. And, by the way, the adjuster doesn’t come out to look at the car. He goes by the police report, presumably.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Sue,

      Typically the amount that the insurance company offers in a write off is the book value of the vehicle.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Sue,

      I cannot give you an amount.
      Each claim and vehicle is different. You can speak directly to your claims adjuster or your insurance professional regarding your specific situations.

    • Sue McPherson

      If they go by “the book”, then why wouldn’t the adjuster tell me how much my car is worth? Why did he say, when I asked, that I should look up on the internet and see how much cars the same make and year as mine are selling for?

    • Sue McPherson

      Do I have to get the estimate (one only) at their preferred location, or could I get one done at a legitimate place of business that I select, that might do the work at a lower cost, thus, more likely to fit within the amount they would be willing to spend on my car.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hi Sue,

      You can research a lot of this online, there is a lot of information out there that you could find specific to your situation.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hi James,

      Unfortunately, the replacement cost for vehicles is considered at time of claim/incident… for new vehicles, when you consider depreciation… it is usually substantially less. You can speak to your broker/agent or claims adjuster as they will be the ones assisting you. You can also ask for your insurance ombudsman’s contact information if you wish to dispute.

    • FC

      I got into a major highway collision in mid-October which caused some insurance complications that I want to run it by you as I can not possibly find out what’s going on!

      I walked out of the accident nearly scratch less , but my car was a complete loss. Within a three weeks, the insurance called it a total lose, and having the total loss comprehensive coverage for a nearly brand new car, they send me the Proof of Loss and the Bill of Sale for an amount that we agreed upon. The documents were signed by me and returned to the insurance company about two weeks ago, and I have yet to see a cheque!

      The insurance keep saying it is on its way, and some top manager has to signed it as it is a big amount (~$80K). The cheque was supposed to be here within a week of the receipt of the documents, but I can not possibly understand why it has taken so long. I am concerned if the insurance is going to bail on the settlement. Is is even possible? I’ve have a very good driving record prior to this accident, and I am just wondering if they are trying to find a way to get out of this big settlement.

      I am thinking to call up a lawyer, but don’t know if I should pull the trigger now. Do you have any recommendations for me, or do you think the insurance company can get out of an agreed upon and signed settlement, Proof of Loss, and Bill of Sale?

      I could much appreciate if you have any feedback for me.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello FC,

      I’m sorry, as we are not licences insurance brokers, we are not able to give advice or recommendations for this situation. There are many variables and this is a choice that you are going to have to make as it is a personal decision. You could contact a lawyer, or perhaps you can try contacting your insurance ombudsman… here is a link to their site.http://www.giocanada.org/ Good luck.

    • Emett

      Hello, yesterday someone hit my truck and took full responsibility for the incident, and since it is now the weekend I have to wait till Monday before an adjuster can come and asses the damage but I am quite sure they will write the truck off. I can still drive the vehicle and nothing is wrong with any of the functioning parts of the vehicle but the body is pushed in. Since the other persons insurance coverage is covering the damage I don’t see how their client can wreck my truck and they get to decide wether my truck is complete garbage or still good. I have alot invested in to the vehicle which I cannot prove all of it and I think I just simply will not agree with the price they decide to give me. I don’t want my truck to be written off it is a very rare model and not many are still left that are in as good of shape as mine… I think my truck is reparible for under the cost of the truck but i have a felling they will just tell me to f off and scrap my truck what should I do?

    • Nathan

      My car is being wrote off and im wondering if the insurance company pays you for what the truck was worth before the incident or after the incident

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Ernett,

      This is a conversation that you will need to have with your insurance professional (broker/agent) and your claims adjuster. You can also ask to be put in touch with your Insurance Ombudsman if you wish to dispute anything further. Here is their website in case you want to take a look http://www.giocanada.org/

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello Nathan,

      The insurance company will replace what the vehicle was worth at the time of the accident – not purchase price.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hi Kris,

      That is a question you will need to discuss with your broker/agent and your claims adjuster to see what the specifics of your policy are.

    • Lance

      Does the insuranse cover a loan of a car if your car is a whrite off?

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello
      The insurance company will not pay more than the actual value of the vehicle. For example if your loan is for $10,000 and the “book value” of your vehicle is $7000 you will only receive $7000.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      This is something that you should bring up with the ombudsperson for your insurance company. You should be able to find that information on their website.

      Thank you

    • Kathryn

      Hi, my car was written off recently in an accident that was not my fault. I’m dealing directly with a claims manager who is offering me $2000 for the car and $500 for the towing, which is fair. They are also insisting however, that the car, which is irreparable, is now our problem to dispose of. I do not want the added problem of having to organise it’s disposal.
      So my question is: Can they force me to keep the car and by doing so, be paying me less in the settlement?

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      This is a situation where your should enlist the help of your insurance broker. He/She can help you through the claims process.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      If you vehicle is financed, it is technically not your vehicle until the full payment is made. Most of the time the insurance company will make the cheque payable to the bank (in some cases to you and the bank).

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      It will help if you have proof the you made the repairs to the vehicle. Take pictures and keep receipts of the repair costs.

      Thanks

    • sjiekj

      what if the write off amount is less than finance amount i still owe?

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      If the amount that you receive in a claims settlement is less than what you owe on the car, you are responsible to the lender for the difference.
      Thank you

    • Liz

      Hi There – My car was a write off and I’ve accepted the terms from my insurance company. My question is do I keep the tax they are paying on top of the settlement? Can I put this towards the tax on the new car? Or is that something I collect and pay on my tax return?

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      You can use the sales tax that they paid towards your new vehicle as it is not ‘income’
      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      You contact your insurance broker or agent. They will be able to help you.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      The insurance company will typically use the “book value” of the vehicle to determine the settlement.
      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      The insurance company is required to put you in the same financial position you were in prior to the loss.
      If the value of your vehicle is x the insurance company will not pay more than x.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      Your insurance company will only pay you the “book value” o f the vehicle regardless of how much you owe on the lease or loan.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      It means that if you owe the same or more to the dealer than the vehicle is worth then yes.

      Thanks

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      You are best to discuss this with your claims adjuster and/or your insurance agent or broker.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      You can try, but unless the vehicle is a total write off, most of the time the insurance company will just repair the vehicle.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      Most insurance companies will require proof of repair and possible a safety certificate once a vehicle has been deemed a total loss.
      If you had no collision coverage you would only be entitled to 50%.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      If you have a concern with your claims file, speak with the claims department manager or the ombudsperson for your insurance company. Your adjuster will be able to give you that information.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      You would have to discuss that with your adjuster but I doubt you would be able to convince them.

      Thank you

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      you should compile your research and send it to your adjuster. Hopefully that will help them see the value.

      Thanks

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      That all depends on your insurance companies rules. You should double check with them.

      you will have to return the rental but they might give you a day or two to organize a new car.

      Thanks

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      You are able to go and obtain other estimates. You can then present them to your adjuster.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      An insurance company will not pay you more than the actual cash value of the vehicle.

      Thanks

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      Insurance companies do not settle a claim based on what you paid for the vehicle. They pay you what the value of the car is.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      I am sorry but I don’t think that there is much more that you can do.

    • Dan Warren

      I spoke with another adjuster at a different insurance company who said that they routinely take into consideration various repairs. The transmission and hitch are definitely ones they would consider. I’m just furious with my coverage and the service I’ve received.

    • Quintin Mason

      Hello

      I had a vehicle that is insured with state farm in the state of Maryland. The vehicle was crushed by a fallen tree do to inclement weather. This type of damage falls under the comprehensive deductible according to the state farm agent. I still owe the bank $7,000 on my vehicle. I believe the blue book value of the car is possibly 10,000 to 11,000. What would happen in this situation and if my car is categorized as a write off or total lost. Will I be able to purchase a new vehicle with the cash settlement or will the bank I still owe money to get that cash settlement.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      Most of the time, the cheque payment will be made payable to both you AND the bank.

      Thanks

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      Yes most of the time you just change the ownership papers and Keep the plates.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      hello

      Part of your claim might be. the adjuster will allocate percentages of responsibility depending upon whether you were the first vehicle to make impact and cause the chain reaction.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      hello

      It might. You are best to contact the adjuster to see how the settled the claim.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      If you no longer have a vehicle, you no longer have need for insurance. You should contact your insurance broker to determine how you should cancel your policy.

      Thanks

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      If a vehicle has been considered a write off by your insurance company it is not likely that you have coverage under your insurance policy.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      You are best to discuss that with a tax specialist.

      Thanks

    • mother of 6

      My car was parked in front of my house and someone came through and hit it. He took full responsibility for the accident and his insurance company has agreed to pay me for my damages, unfortunately I have a lien on my vehicle will be check come in my name only?

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      The insurance company may pay the body shop who repaired your vehicle.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      hello

      You will have to discuss that with your finance company.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      hello

      You will have to review that with your insurance company. They will likely have to get estimates and then let you know.

    • http://www.insurancehotline.com/ InsuranceHotline.com

      Hello

      the insurance company would likely make the write off cheque payable to the bank then you would be responsible for the remainder including interest.

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