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Title: Bike write-off and salvage value

Date: 22 December 2010


I have an ongoing liability case, the third party's insurance has deemed my vehicle a total loss. It's pre accident value has been placed at £3000 and the salvage at £900. They have sent me a cheque, interim without prejudice payment at £2,100 to avoid unnecessary storage and vehicle hire charges. I am happy with pre accident value but not the salvage value. Do I have to accept this at this moment in time?

I would be grateful for your advice on this matter.


Mr Murray Dawkins
I was sorry to hear of your accident and that your vehicle has been deemed a total loss. Even though your vehicle has been declared a total loss it does have some residual value for salvage, however you do not have to accept the sum offered provided that you have some evidence to demonstrate that a lower salvage value is appropriate. 
Establishing what a reasonable offer is will be dependent upon the extent and type of damage sustained. It is possible to obtain your own independent assessment of the bike however there are risks in doing so as an independent assessment could deliver a higher salvage value or suggest a lower pre-accident value in which case the report should not be disclosed as it would undermine your case and ultimately the costs of obtaining the report would not be recoverable. 

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