A vehicle might be written off because it isn’t worth the cost of repairing it – or because it’s been stolen and never found. Insurers sometimes call a write-off a "total loss".
If a vehicle’s been written off, an insurer will usually pay out its "market value" just before it was written off. Some people complain to us that the insurer hasn’t paid them enough. Others are unhappy that the insurer has decided to scrap their vehicle – in some cases, without telling them first.
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