A total-loss decision usually considers the damage, safe repair prospects, estimated costs and the vehicle’s value under the policy. There is no universal percentage that should be assumed to apply to every insurer and vehicle.

The assessor’s role

The assessor examines the damage and may review estimates, parts and labour. Hidden structural or mechanical damage can affect the assessment. Ask whether further inspection is needed before the final decision.

Repair costs and value

A repair estimate must be compared with the relevant vehicle value and the insurer’s policy criteria. Parts availability and the practicality of a safe repair can matter. Do not rely on a repairer’s first figure as the entire decision.

Ask for the reasoning

Request the valuation basis, assessment outcome and settlement calculation. If you disagree, supply relevant valuations or evidence and ask about review procedures. Keep discussions factual and documented.

Do not dispose of evidence too soon

Get instructions before scrapping the vehicle, selling parts or authorising major dismantling. Salvage and ownership can form part of settlement. A financed vehicle may also require lender involvement.

Frequently asked questions

Is a car always written off at a fixed damage percentage?

Do not assume one fixed threshold applies. Ask about your insurer’s criteria.

Does total loss always mean physically impossible to repair?

No. A repair may be uneconomic or unsuitable under the insurer’s assessment.

Discuss your motor insurance options

Discounted Premium Ltd can help you understand the available options and request a quotation for your circumstances. Have your vehicle details, intended use and driver information ready. Visit us at 42 Cork Street, Roseau, Dominica, or call 235-8294 or 818-7736. Message us on WhatsApp.

Related reading

Preparing a motor insurance quotation · Types of motor insurance

Earlier in this series

What Happens When Your Vehicle Is Written Off? · What Happens If an Uninsured Driver Hits Your Vehicle? · How Much Does Car Insurance Cost in Dominica? – 2026 Guide

This article provides general information. Cover, eligibility and claims depend on the insurer’s accepted terms, policy conditions, exclusions, limits and deductibles. Illustrative figures are not quotations or promises of settlement.