Offer From Garage not Insurer After Total Loss

[m1n1me]

Our car has been written off, and were expecting the insurer (Sabre) to be in touch with an offer. Instead, the garage that has looked over the car has contacted directly and after saying that we don't want to accept the offer, are refusing to go any higher.

 

Am I wrong, or should this be the role of the insurance company themselves, not the garage?!

[BankFodder]

This certainly sounds very strange to me. Maybe site team member @unclebulgaria67 may have an explanation as he is very experienced in insurance matters

[unclebulgaria67]

Some Insurers have authorized garages who inspect and value write off. 

 

Speak to the Insurers or Brokers to ask whether this garage is acting for the Insurers. 

 

Of course it is the Insurers who should deal with disputed value.

[Tony P]

Could it be the garage was not acting for insurers but speculatively on their own account: making the offer directly to the OP as part of their own repair, resale or salvage activities?

 

I appreciate their offer was not initially acceptable to the OP but if it was the garage's own offer "in present condition", a factor worth considering is there would nothing on the OP's insurance claims record, thereby saving claim related increases in premiums, loss of NCD, etc for some years to come.