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Resolute 14 · 04-11-2011, 01:42 PM

I'm no expert, obviously, but simply put, I believe if cost to repair > value of car, the insurance company will write it off. If the car carries more value than the damage, the insurance company will opt for a repair.

As blankall notes, frame damage is the tricky part. For me, when I got involved in a five-car crash about 10 years ago, the only obvious damage to my car was the quarter panel on a rear door was ripped off and the rear wheel looked a little bent. But the damage was over $9k because the frame was screwed. As it was, the car was listed at about the same, and the insurance company was hesitant to write it off. Eventually they did.

Basically, someone will have to inspect the car for damage and give an estimate on repairs. From there, the insurance company will make its call.

04-11-2011, 01:42 PM	#3
Resolute 14 In the Sin Bin Join Date: Jan 2003 Exp:	I'm no expert, obviously, but simply put, I believe if cost to repair > value of car, the insurance company will write it off. If the car carries more value than the damage, the insurance company will opt for a repair. As blankall notes, frame damage is the tricky part. For me, when I got involved in a five-car crash about 10 years ago, the only obvious damage to my car was the quarter panel on a rear door was ripped off and the rear wheel looked a little bent. But the damage was over $9k because the frame was screwed. As it was, the car was listed at about the same, and the insurance company was hesitant to write it off. Eventually they did. Basically, someone will have to inspect the car for damage and give an estimate on repairs. From there, the insurance company will make its call.