The lady who just had a front bumper and radiator damaged? 1 month ago review, "Anonymous". Most car insurence companies have linked up with car Salvage / Auction Yards, your car will be collected by CARPORT / CARPART ? under the claim it is going for further inspection, you will be asked to hand over the Log Book and Both Keys to the Driver, this means you've handed over legal Ownership of your car, before you have agreed it is Written off? And before you have a greed its Value? Your car now sits in a salvage Yard *nope Ted and written off by the Salvage Auction Yard, so they can sell it off as Repairable, the yard then gives your 8nsurence company a percentage back hander from its sale. Obviously your insurence premiums go up, so the salvage yard make money out of Writting off perfectly good repairable Cars to feed the second hand car Market. Just remember until your insurence company has agreed a Settlement value for your car, it Remains your Property? So don't hand it over with logbook and Keys for Collection 1st. Always get your own independant Repair estimate first ? "REMEMBER YOU ALWAYS HAVE THE LEGAL RIGHT TO DEMAND YOUR CAR IS REPAIRED. so don't let them take it away from you straight after the accident, they bank on your turmoil and trust in them to be honest and look after your best interest? WRONG! Dont Trust any insurence company at its word, MY front bumper , Headlight and Grill was Damaged, they tried to get me to sighn a Vehicle recovery form to say I Had No where to store the Vehicle? (I have a yard for 3 cars) and agreement for a Hire car. This was the act of taking possession of my car for salvage and Auction. I also got an independant quote for 2,500. My car was worth 7,000. The Insurence company estimated the repairs from the pictures i sent in and Wrote the car off, but didn't tell me, they actuated the salvage auction yard to arrange to collect my car under the false premise it was going for further inspection / assesment, obviously they would have Wrote my car Off? And with the keys etc already have legal possession and Ownership of my car as I have handed over the LoG Book? I Refused them to collect my Car and Cancelled within 14 days the Car Hire and my car Collection and inspection Agreement, as you are allowed UNDER ANY CIRCUMSTANCES? they cancelled my insurence claim to try and Frighten and Threten me into giving them my car? When I pointed out the 14 day cancellation privilege and I had concerns and contacted the FINANCIAL OMBUDSMAN, over Avivas Proceedures? THEIR ATTITUDE CHANGED. however the Financial Ombudsman is Useless, he claimed to me that he has no powers over insurence companies and all he can doo is make sure they follow procedures? So WHO THE F MAKES SURE INSURENCE COMPANY PROCEEDURES are Lawfull and Fair ???? Citizens advise told me the ombudsman can tell the insurence company and overturn their descission? Thats not what my Ombudsman Said ??? Clearly we have Incompetant Children in Seniour Roles who don't know how to do their job and what powers they have ? and the car insurence industry is Self Regulating and Running a Mock, this writing off Perfectly Repairable Cars for Salvage Auction is why Insurence Premiums are Going Up ! Its not Theft or Vandalism or accident Damage, it's Theft by your Insurence Company and Salvage Yard to Make Money for Share Holders, and the F8nancial Ombuds man Won't Investigate it for you and Stop it Happening to others.