Generally speaking an insurer will do sums and pick the lowest figure from:
a) Market value of vehicle minus salvage value of vehicle
b) Repair cost of vehicle
So if the salvage is worth £5k, it only needs £9-10k worth of damage to write it off.
a) Market value of vehicle minus salvage value of vehicle
b) Repair cost of vehicle
So if the salvage is worth £5k, it only needs £9-10k worth of damage to write it off.