After an accident, your insurance provider will assess the car's condition and let you know if it will be declared a write-off. If you've bought a used car and want to check whether it's been written off, you can obtain a vehicle history report.

A car is typically written off when the repair costs exceed a certain percentage of its value, often around 60-70%, depending on the insurer’s policies.

If your car is written off, your insurer may pay you the car's market value and terminate the policy, or offer a replacement car if you have coverage that allows for it.

The payout depends on the car's market value at the time of the accident, as well as the terms of your insurance policy. Your insurer will offer compensation based on these factors.

No, if a car is deemed a total loss or write-off, it is usually unsafe to drive. Written-off cars often have to be scrapped or repaired before being roadworthy again.