Let them right it off tell them you want to keep it .... They offer car back to you for like 10% or somthing of what it's worth I think then use the difference in money to fix it as cat c/d ... Then keep the difference in money or use it for mods
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Not correct in my experience. They offered me to buy mine back at agreed price minus the cost of repairing which in my case worked out at about 60% of the book value.
The only way to make a profit would have been to strip and sell over time.
As I said it's also not your insurers decision on the write off it's down the other parties which can be a real pain as my insurers said they would have approved repair as it was mainly cosmetic (it would've needed putting on a jig to confirm though)
I'd be amazed if they offer you to buy back for 10% of its original value.
To be honest think they just make it up , my old fn2 civic worth between 6-8k crashed I brought it back for £800 ,
My mums car worth about 2k they said she can just have it back with no charge , my brothers car worth about 1500 said £120 for it back...... Wierd lol
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