1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172 
THE AFTERMATH
Page 57
If you've noticed an error in this article please click here to report it so we can fix it.
When a vehicle can be repaired, insurers will arrange this as soon as possible. A spokesman for the Association of British Insurers (ABI) claims if there is a complete write off, then: "Insurers should pay the cost of replacing the vehicle with as near as possible, a model of the same age, condition and mileage."
Records and receipts should always be kept prior to an accident Aspect Insurance managing director Ivan Goddard insists an operator should keep receipts for work done to a vehicle, such as extra fuel tanks and specialist equipment. Brokers can see the trade-book price, but by keeping receipts, there is evidence that a vehicle is worth more than the book says.
If another party is liable, the insurer will claim back their outlay from that person's insurer. You should not enter into any discussion with any third party over whose fault the accident was. This may affect your claim, as it is up to the police and insurers to determine who is at fault.
There is also the possibility to claim uninsured expenses, with an ABI spokesman stating: "If you have incurred uninsured losses, such as hiring a replacement vehicle (not covered by your on Insurer) then these can be claimed back."