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Car insurance write off. What you should do after an accident

Wednesday, August 26, 2020

Was your car written off recently? Firstly, we are sorry to hear about the incident and glad to see you’ve survived the accident. It’s something to be highly thankful for considering that over 14,000 people lose their lives each year on South African roads, according to the Road Traffic Management Corporation (RTMC). Secondly, we want to help guide you on the process that follows now that your car was written off. There are two approaches, or pathways to consider once a car is written off.

What You Should Do After an Accident

After you’ve checked on your own health and safety, and the health and safety of passengers or other drivers, you must do the following things to help your car insurance process. Take note of the incident details such as time, location, and vehicles involved. Write down as much as possible such as the registration details, vehicle make, and colour. Also take note of the details of any other drivers involved, such as their names, ID numbers and contact details.

Then, try and note exactly how the incidents took place. Explain in your note about how it started and what was the measures taken to avoid the most damage and remain safe.

Pathway 1: You Have Car Insurance

If your car was covered by a car insurance policy, the car insurer most likely was the party that wrote off the car after evaluation. If this is the case, you can start your car insurance claim process and claim the value of your policy from the insurer. This will require you to log a claim with your insurance agency and follow their procedure.

Once the money is paid into your account, you can use the funds to purchase a new car or use as a deposit on a new car, depending on the amount paid and the value of your car insurance policy.

Pathway 2: You Don’t Have Car Insurance

If your car was not covered by a car insurance policy, your car’s status regarding it being written off is a matter between your personal financial situation and the vehicle inspection agency. If your car doesn’t meet safety regulations after the accident and is deemed unroadworthy by an authorised inspector, your car will be considered illegal to drive. This usually occurs when the chassis was damaged and deemed unrepairable to safety standards.

If your car was passed as roadworthy by an authorised vehicle inspector, you can proceed to get quotes from various car repairers. If the vehicle is too expensive to repair or you don’t have enough funds available to cover the cost of repairs, you can get a personal loan to help out or write the vehicle off and purchase a new one using car instalments.

Are you looking to get a comprehensive car insurance policy and avoid going through the process of pathway 2? You can get a comprehensive car insurance quote with us by contacting 0861 007 367 or by submitting your details on our website at http://www.dialdirect.co.za today.


Dialdirect is an authorised FSP and insurer. Ts and Cs online.