Write off or not?
Discussion
I was rear ended a couple of weeks ago.
I went straight to the other side party’s insurance who came out and inspected the car.
As I suspected the repair was about double the value of the car so I got a cash settlement and I kept the car which was still roadworthy if not looking great.
A couple of hundred quids worth of s/h body panels and it’ll be fine.
However I was wondering if the car is now classified as a write off?
When the wife has written off cars, the ins co were always quite clear about them picking up the car. Similarly, when I bought back my written off motorbike, I had to be quite clear about what I wanted to do.
I'm surprised you're at the end of this process and not sure what has happened. Have you handed over any parts of the v5?
I'm surprised you're at the end of this process and not sure what has happened. Have you handed over any parts of the v5?
Ian Geary said:
When the wife has written off cars, the ins co were always quite clear about them picking up the car. Similarly, when I bought back my written off motorbike, I had to be quite clear about what I wanted to do.
I'm surprised you're at the end of this process and not sure what has happened. Have you handed over any parts of the v5?
He’s very clear what has happened. He’s simply asked if his car which he’s bought back might be classified as a write off. Not all cars that should be recorded are for various reasons so it’s a valid question.I'm surprised you're at the end of this process and not sure what has happened. Have you handed over any parts of the v5?
When I claimed through my own insurance years ago for a previous accident it was made clear it was a write off.
But this time the tp’s insurance inspector just said his estimate for repairs was X so they could offer me Y less £120 if I wanted to keep the car.
I’ve had the cheque already with no other real correspondence, at least about the car.
It doesn’t really bother me if it is a write off as long as its only Cat N as its unlikely ever to be sold but I’ll need to know when I look for insurance quotes.
How soon does that get put onto the system so I can look it up?
If i was to hazard a guess i would say its classed as a write off, as an insurance company have paid out for it. but not always the case.
When we had a transit written off we had to hand the logbook over which was then sent back with Cat C on it, never bothered us as we knew the damage and even kept pictures for anyone who purchased in the future. Since been sold with no request for the pictures
When we had a transit written off we had to hand the logbook over which was then sent back with Cat C on it, never bothered us as we knew the damage and even kept pictures for anyone who purchased in the future. Since been sold with no request for the pictures
Steve57 said:
If i was to hazard a guess i would say its classed as a write off, as an insurance company have paid out for it. but not always the case.
When we had a transit written off we had to hand the logbook over which was then sent back with Cat C on it, never bothered us as we knew the damage and even kept pictures for anyone who purchased in the future. Since been sold with no request for the pictures
So in the case of your transit van, it was classified as a write off then (the clue is in the "CAT C" on the log book When we had a transit written off we had to hand the logbook over which was then sent back with Cat C on it, never bothered us as we knew the damage and even kept pictures for anyone who purchased in the future. Since been sold with no request for the pictures
)I suspect it's the same situation with the OP's car as it was with your van - Both vehicles were written off by the insurance companies, who paid out on them, but the pay out included a reduction due to the owner [i]"buying the vehicle back" (CAT C or D only - Had it been a CAT A or B then the insurance company would have taken possession of the vehicle).
Drawweight: Pretty certain your car will now have a CAT C marker against it.
As for:
Drawweight said:
......A couple of hundred quids worth of s/h body panels and it’ll be fine.......
That all depends on the extent of the damage. Modern cars are designed to crumple up on impact to absorb the energy, so whilst throwing a few second hand body panels on the car might make it look fine, it may still have issues (and some cars crumple up at surprising light impacts!) Drawweight said:
I was rear ended a couple of weeks ago.
I went straight to the other side party’s insurance who came out and inspected the car.
As I suspected the repair was about double the value of the car so I got a cash settlement and I kept the car which was still roadworthy if not looking great.
A couple of hundred quids worth of s/h body panels and it’ll be fine.
However I was wondering if the car is now classified as a write off?
That depends, I was given a cash in lieu settlement for my Golf so it was not recorded, this sounds like what you have done from the description. It was all agreed with the assessor that came to view the car.I went straight to the other side party’s insurance who came out and inspected the car.
As I suspected the repair was about double the value of the car so I got a cash settlement and I kept the car which was still roadworthy if not looking great.
A couple of hundred quids worth of s/h body panels and it’ll be fine.
However I was wondering if the car is now classified as a write off?
4rephill said:
That all depends on the extent of the damage. Modern cars are designed to crumple up on impact to absorb the energy, so whilst throwing a few second hand body panels on the car might make it look fine, it may still have issues (and some cars crumple up at surprising light impacts!)
Presumably if it is written off he should be able to tell that from the category? Cat N is cosmetic only and Cat S means it's had some structural damage.When my fiesta was wrote off I got told it was a cat C - £230 to keep the car.
My dad had his C2 rear ended, the third party said they wanted to write the car off, we said we believed the damage wasn't so bad and they offered him £1500 in leu or repair, we replaced the rear crash bar and left the bumper damaged, 2 weeks later the engine lost third cynlinder and it got scrapped, win win! (never wrote off)
My dad had his C2 rear ended, the third party said they wanted to write the car off, we said we believed the damage wasn't so bad and they offered him £1500 in leu or repair, we replaced the rear crash bar and left the bumper damaged, 2 weeks later the engine lost third cynlinder and it got scrapped, win win! (never wrote off)
BlueMeganeII said:
He’s very clear what has happened. He’s simply asked if his car which he’s bought back might be classified as a write off. Not all cars that should be recorded are for various reasons so it’s a valid question.
Given that the words "bought back" don't appear at any point in the OP I would assume they've just paid out cash in lieu and it's not been written off.hutchst said:
How many cars do you people write off?
No wonder insurance is so blooming expensive.
Most of the time if someone rear ends you there's not much you could have done to avoid it, you were just in the wrong place at the wrong time when the driver behind you made a mistake.No wonder insurance is so blooming expensive.
I was rear ended in 2014. Car was written off (cat C) but I kept the car (for a small reduction in payout). The car was never taken away and I kept the V5 document.
hutchst said:
How many cars do you people write off?
No wonder insurance is so blooming expensive.
If your car is worth a grand or two, it takes nothing for the insurance company to write it off.No wonder insurance is so blooming expensive.
When I had a crash in my series 3 Daimler double six it was going to need a bumper/bonnet and wing, and some paint. Insurance company look at the costs and it all adds up very quickly
New bonnet £800
New bumper £800
New wing £400
Paint the whole car £???
Rental car???
They looked at their big book of car values and decided the car was worth about £2k at the most.
I didn't want the car written off as it was a lovely example so I was forced to withdraw my claim and pay for the repairs myself.
Bonnet was straightened and repainted for not much money.
Second hand bumper £100
Used wing £60
Paint was about £400 as the car had recently been very well painted so it was easy to match.
The repairs cost me about £6-700 and then I then got an agreed value policy with the car valued at £4,500 with the same company!
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