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Thanks JayG. My understanding is that insurers have a ratio of damage cost to write-off cost, I've seen figures mentioned of 50 to 90% but don't know what figure my insurer is using. With the values I've mentioned, $12k repairs is over 50% of the write-off ($21k).
Break-even for the insurer in a write off means that if they pay me the $21k, they must sell it as salvage for at least $9k, which isn't an unreasonable price given the car is sound except for exhaust and bumper.
So from my perspective, it's even odds on whether it's a fix or write off. I'm just trying to get forearmed on what my options and best strategy is. I've never dealt with insurance before.
I find out on Monday from the insurer I think.
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