What is a “write off” or “total loss”?

If the cost of repairing your vehicle is uneconomical then the other driver’s insurance company will not pay for repairs. Rather than paying for the vehicle to be repaired, the insurance company will pay the pre-accident value of the vehicle less its scrappage value (also known as salvage). The salvage value of your vehicle forms part of the pre-accident value. The pre-accident value is paid less the salvage and NI Accident Management will pay you the salvage leaving the other driver’s insurer to pay the balance of the pre-accident value of your vehicle.