Accident damage/cat c, d etc

[JayR]

If somebody hits your car and takes full responsibility for the accident which ends up meaning the car will go cat c after repair where would you stand on refusing the repair and not wanting the car back?

To a novice what sort of damage does the car have to have to be catergorised?

Cheers

Jay

 

[Poopensharten]

A car will only be registered as a Cat D/C if bought back, fixed and put back on the road.

Your car will be valued and then payed out.

Only once repaired will it be classed as Catogorey A/B/C and so on.

AFAIK the insurance company will not insist on making you take the car, a cash sum will always be paid

 

[JayR]

So basically what you are saying is that if the insurance company just decides on repairing then nothin will go against the car?

It will just be as it was from new with regards to records?

 

[EllD90]

A car is only a cat C/D etc.. once it has been written off. Therefore you get your pay out, they then sell the car as salvage.

Correct to the above.

 

[Poopensharten]

Yep, the car will be deemed an economical repair as oposed to uneconomical repair (more than a percentage to what the cars worth)

If a car was £100,000 and the damage came to £30,000 they would repair it and there would be no record of it if a potential buyer done a HPi report against it

 

[Poopensharten]

This happened after a guy decided to turn left rather than right...

He admitted fault straight away..

IIRC the damage was valued at a kick in the balls off £3000, the car was valued at circa 12k at the time and so wasnt written off, repaired and free from any record of damage/claim against insurance

 

[maty j]

So for expensive cars, for them to be recorded as cat D etc It must of been a big shunt? Just been looking at some megs (for example) that should be going for 10k+ so going on that for them to be written off and repaired It must of been a bad crash, yes? So how come on the listing the seller says only slight front bumper damage or Is that probably BS. They are advertised cheaper now though, About 8K but still If It's been written off makes you wonder If It's worth It...

 

[Revels]

For a £10k car, it would need to be over £5k I expect to write it off.

That's not tooooo difficult to achieve but a slight bump won't do it..

 

[SteveS Cup]

More expensive the car the more expensive the parts!

Someone scratching every panel on the car so the car needs a whole respray could be classed as cat d.

 

[Josh@Renparts]

its suprising on some salvage cars how little makes it a write off. Cat C mk1 clio we got the other day had a dent in the wing, looked like somebody had kicked it once.

 

[maty j]

its suprising on some salvage cars how little makes it a write off. Cat C mk1 clio we got the other day had a dent in the wing, looked like somebody had kicked it once.

Why was that? Was the car just worth nothing anyway??

For a £10k car, it would need to be over £5k I expect to write it off.

That's not tooooo difficult to achieve but a slight bump won't do it..

That's what I was thinking. 2 grand off RRP so to speak Is nice but would It really be a cat D for having front bumper damage on a 10k car, I don't think so. My mum had a bump (or 3 In quick succession) In her scenic. Didn't look that bad TBH just panel damge. Turns out the alignment and everything was out. It's been on the jig and everything and Is that bad It'll never be as It should. It could of, and probably was the other 2 accidents that did It (the first involved a bike) but It just shows how easy It Is to ruin a car, even with It not going on the register..

 

[Daz.]

Why was that? Was the car just worth nothing anyway??

Genuine wing, paint, fit, labout etc... could end up being say £500 on a car worth £800?

 

[maty j]

True. Supose It wouldn't cost much getting bits from the scrapy to fix It tho If It was only body damage. One persons loss and all that...

 

[JayR]

IIRC the damage was valued at a kick in the balls off £3000, the car was valued at circa 12k at the time and so wasnt written off, repaired and free from any record of damage/claim against insurance

Cheers mate.

Pretty much all i needed to know right here.

 

[Poopensharten]

Tbh Jay if you have any really kind of technical info you should ask Gally, hes a repair assesor (A damn good one) he will see you okay for any queries!

 

[Ad]

So for expensive cars, for them to be recorded as cat D etc It must of been a big shunt? Just been looking at some megs (for example) that should be going for 10k+ so going on that for them to be written off and repaired It must of been a bad crash, yes? So how come on the listing the seller says only slight front bumper damage or Is that probably BS. They are advertised cheaper now though, About 8K but still If It's been written off makes you wonder If It's worth It...

Its about the cost of the parts though more than the damage level, although yes the two are linked.

For example VX220, Elises and Clio V6 are very easy to wrtie off, given the excessive costs of new parts.

 

[JayR]

Tbh Jay if you have any really kind of technical info you should ask Gally, hes a repair assesor (A damn good one) he will see you okay for any queries!

Yeah cheers mate!

Isnt me though, i was just getting the facts straight for somebody else as they come to me expecting me to know and i couldnt tell them off the top of my nut.