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Message: <blockquote data-quote="zib" data-source="post: 577071" data-attributes="member: 23925">Insurance in Malaysia is a ripoff. Since cars here are very expensive, they rarely write-off cars which had been involved in a very severe accident but insist owners to repair it. Write-offs aka total loss by right should be granted when the repair cost exceeds the value of the car.In BMW sense especially (in MY) this will never happen as new cars or say a BMW less than 5 years old will always be cheaper to repair here due to cheap labour and the abundance of used parts or better known as chopped parts.I am suggesting/challenging Mysian insurance companies adopting the UK BMI standard by categorizing the level of motor claims into 4 groups i.e A,B,C,DA is for scrappy-no parts can be recycled, B can only be sold for parts, C can be sold/repaired with  a need to pass a special vehicle inspection approval, D can be sold as a normal car but with the mark on the identity for accident repaired category D. hence lower value for category D but then nobody gets/feels cheated.Note:this info was correct during my UK stint of about 3 years (2006-2009) after having sold and bought cars every 3 mths or so as cars are bloody cheap there.Cheers</blockquote>