How a car is writen-off or totaled @KenyanTraffic
A car is generally considered a write-off when the cost to repair the car exceeds the value of the car. Some isurance companies have guidelines that define a write-off vehicle by specific thresholds. For instance, a car may be written off when the damage is greater than 50 percent of its value. In that case, if a vehicle is worth KSH500,000 and the repair estimate is KSH250,000, the vehicle would likely be considered a write-off.
Comprehensive coverage and collision coverage help pay to replace a totaled vehicle. These two separate coverages are typically required on your car insurance policy if you're financing your vehicle through an institution like a bank. If your car is paid off, they're optional. But, if your vehicle is written off and you don't have comprehensive or collision coverage, you will have to pay out of pocket to buy a replacement vehicle.