Insurance Write Off's

I just need advice really, so I know what to expect in terms of how insurance companies do the whole write off things.

Bought a Mercedes CLA 1 month ago, mid-January. 1 week later, lost control, hit the pavement and went through some bushes, before stopping. Doing damage to the right side bumper ( half of the right side bumper is gone), parking sensor on right side damaged, drivers wheel bent in, and coolant now leaking. These are just things I can see anyway.

Anyway, informed insurance, and so going through the process of claim. it's at the garage at the moment. Last I'd spoken to them, they said it's on the ramp to be looked at again, to establish whether it's repairable...So with that said I am a bit worried they'll decide to write off.

The car is 11 months old ( 1 year-end of Feb 2020) - valued at around £22-£23k. What are the chances the insurance would decide to write it off completely? I've read that an insurance company only does that if repairs exceed 50%-60% of the car value? How true is this with nearly new cars.

If they decide to write off, can I challenge this? And try and convince them to not write off? What is the process, and chances of actually being successful?

I've never made a car claim before, so really all of this is new to me. I would appreciate if anyone can give advice.

I presume this wasn't a first car and first insurance policy?

That 50-60% is ballpark, to say the least. It seems to vary wildly, with sometimes very little damage needed to 'write it off'. You've described a fair bit of damage there,and there will doubtless be more to be discovered. As the car isn't particularly valuable, it could well end up in the Cat C bin. I think it will very much depend on what further damage is found, and the overall bill.

As far as I am aware, there is no mechanism to challenge the insurer's decision to write it off and for them to give you the market value for it. I'll be interested to read if others have found/heard differently.