well i hope it works out but i think churchill will want one of there approved repairers to do the work, you can if you push them enough get your own repairer but you then will have delays with setting up vehicle inspections etc. also loan vehicles most companies now if written off will give you a loan vehicle for a minimum 7 days. as regards buying it back in the case of the write off again very much down to insures most wont let you or if they do will require the document so they can submit it as a write off. means jumping through hoops to get a new one and inspection unless very lucky.
unless its changed dramatically ,
vehicle goes to your garage
garage do estimate
garage may supply loan car if insurance agrees the costs
churchill then arrange for a assessor to go out to inspect the damage
if approved garage repairs
you sign for repairs upon collection
any problems with subsequent repair between you the garage with churchill in the middle.........
or/
phone churchill
they drop loan vehicle off
pick up your vehicle
take it to approved repairer
gets estimated
assessor either in house or by appointment authorises or writes off vehicle.
if authorised you get your vehicle repaired guaranteed usually valeted and returned when completed
you sign acceptance and loan vehicle is taken away
any problems covered under guarantee no major hassle.
i know which one i would prefer.
as said been a few years since my connections with insurance and yes it was with churchill lol.
by the way if written off use auto trader and print some comparable vehicles for prices (same make obviously and as close as possible to age and condition) sometimes a low offer starts and they need evidence to increase there offer but sometimes they surprise you with a very good first offer.
also if going to insurance i know it may sound stupid but take out any personal things erring on being cautious in case it doesnt come back. saves travelling miles for that nodding dog off the dashboard
