Smacked The Car :(

[STE_vie]

pics arent the best tbh but theres a load of crap being talked in this thread. Your floorpan id pretty much quarantee wont be damaged. its light panel damage. your 1/4 panel id say needs replaced and that section will cover the damage on the sill. if your doors sitting ok around the top then your b post will be ok. just new door and 1/4. superficial. wont need pulled

 

[PeteMoore]

Also remember to account for the fact your car will then be recorded at being CatC or D if you go through your insurance.

So that will also add to the long term costs when you take resale value into account.

 

[Pumesta]

Also remember to account for the fact your car will then be recorded at being CatC or D if you go through your insurance.

So that will also add to the long term costs when you take resale value into account.

only if the cars written off.

 

[big_pete]

Thats only if it was a wright off, which it won't be. Superficial damage by looks of it

 

[johnm]

kind of off topic, but when a car has been in an accident, and its declared a write off, the extent of the write off is cat d, c etc. if its not a write off and its fixable it isnt recorded?

so basically its down to the ability of the insurance assesor as to if its a write off or not?

have i got that right?

 

[STE_vie]

it depends on the cost of the repair to the value of the car as to hows its classified once written off.

Your car will only be recorded and classified if it is written off. Cant believe people dont understand this.

 

[PeteMoore]

I've never had to deal with that side of insurance therefore never took much notice.

This is how I see it.

The term written off means it's uneconomical to repair and as such sent to scrap which I believe is a cat a or b where it is never to go back on the road.

Damage which costs more than x% of the cars value will classify the vehicle as a cat C or D repair. I would imagine anything over 75% or causes major structural integrity problems would be a CatA or B

Perhaps there is an amount such as 10% where if the damage is less than that it doesn't get recorded as categorical damage.

But that was kinda how I have always looked at it.

I don't think I will have to worry about anything less than cat B. I'm years overdue a HUGE accident.

 

[STE_vie]

a car is NOT recorded unless written off. Written off means uneconomical to repair. a. b ,c and d are how WRITE OFFS are classified as to how much the repair would cost.

Your year old m3 could have a front end, couple of 1/4 panels, rear panel and boot floor and NOT be recorded

 

[PeteMoore]

Ah sweet gotcha

Cheers

 

[fordzy]

KW Coach Finish on the green road.... good quality of work, and very easy to pay

 

[Pumesta]

A brief explanation of insurance write off categories

Category A Insurance Write Off - the vehicle must scrapped and no parts or components can be sold other than for scrap.

Category B Insurance Write Off - the vehicle must not be used again but non- structural and roadworthy parts and components may be recovered for use in other vehicles

Category C Insurance Write Off - the vehicle is repairable but the parts and labour would exceed the value of the car.

Category D Insurance Write Off - the vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write off. Perhaps the replacement car hire is too costly or it will take too long for a specialist part to be delivered.

Category X Insurance Write Off - the vehicle is easily repairable and may even be still roadworthy.

Unrecorded Insurance Write Off - the vehicle damage was not reported to the insurer or the driver was uninsured. The most common example is drivers who only have third party insurance but have had an accident that was their fault (usually not involving anyone else).