Crash · 04

The insurer says write-off. Split total loss, what's left of the wreck, and the loan.

What people on the road call a write-off is usually a total loss, or a constructive total loss, inside the policy. That is not the motor vehicle office scrapping the car. Don't stamp those as the same thing.

The statute. The link goes to the national law database.

What this is

Name it first

Whether own-damage pays, and how far, starts in the wording you bought. What counts as a total loss. What counts as a constructive total loss. At what point, repair cost against replacement value, they can switch to paying cash. 'This one's a write-off', said out loud, is not the clause. Who keeps the wreck, whether the loan is still there, whether the security interest has to come off, and whether the plates and the compulsory policy have to be dealt with first: four different jobs.

What you can do now

0/3

Who you might call

Only if it fits

Also worth saying

Replacement value is not what you paid, and not the number in your head. Read how the clause defines it.
If the loan isn't cleared, the money may have to pass the finance company first. Don't treat the payout like a bonus.
If a person is hurt, the compulsory policy is still there. It does not vanish because someone called the car a write-off.

Partners鑑價師Car Price Magazine · Diminished-value appraisal after a crash

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I'm not a lawyer, and I'm not a mediator. I can't decide this for you. The statute that counts is the one still in force. Judgments live on the Judicial Yuan site.