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There are 4 categories of write off, Cats A &B cannot be put back on the road.
Cats C &D can as they were written off because the cost of repair was uneconomic due to the cost in comparison to the value of the vehicle..
Insurance companies have a register of "written off " vehicles but there is not normally a problem with cat C & D |
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terence5066
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Richard K is wrong and TROLL is correct. If it is a Cat A or B then it is to be scrapped, but a Cat C or D is just deemed by the insurance company as too expensive to repair - but they include such insurance payouts as care hire etc in their estimates. So, if you buy a Cat C or D car it is perfectly legal (and possible) to repair it.
It does however HAVE to be declared to insurance companies as a repaired Cat C or D car. There is a check that can be carried out on a repaired car that some insurance companies insist on being carried out, but not all do.
In the UK there is even a program called Wrecks to Riches where they do these repairs so people can get a decent car at a cheaper price - obviously a repaired vehicle will be worth less than a 'clean' one.
Google "Wrecks to riches" |
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Mom of 2 great boys
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I never heard of that.
What company are you talking about?
Was the car totaled?
Water damage? |
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yodachick
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I have never heard of this. my brother brought a car that had been written off and repaired and he never had any trouble with insurance. |
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Pit Bull
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Not entirely true.....many cars are written off as being beyond economic repair by a body shop but may be repairable cheaply with even second-hand parts and a lot of DIY. It's all down to cost...if a £10000 car needs £8000 worth of professional repairs it will probably be written off but you may be able to keep it and repair it for £4000.
Every insurance company is different but as long as it is road legal there shouldn't be a problem. |
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neogriff
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ucantcme is wrong, in the UK if a car is classed as damaged/repairable when written off then it is fine, I have had plenty of D&R's and have never had any trouble getting them insured - that is why we have MOT tests - to make sure a car is roadworthy, and HPI checks to see if the vehicle has been written off previously, the only time a car is uninsurable is if the write off has been given on a spares only category - in which case the car would not be roadworthy anyway. |
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Jon
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it its laget then yoy shouldnt have a problem i have owned to wrire offs and they have been fine. |
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Jade B
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it is true and must be declared otherwise your insurance could be voided if you were involved in an accident and it came to light- you would risk police prosecution as well |
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Scouse
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Correct. You need a broker to find one to accept you |
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gordonmother
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Yes |
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Ollie
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Hi,sorry have never heard of a car that was written off being sold unless it's illegal then no one will insure it. |
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lazarlin
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nope how will they know..it goes by book price not condition... |
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Richard K
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A write off means that some insurance company wrote it off as it was beyond repair. It is suppossed to have gone to the wreckers for parts or scrap metal. It's not ever to go on the road again...EVER. |
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UCANTCME
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MOST INSURANCE COMPANIES WILL NOT INSURE THESE VEHICLES BECAUSE OF LIABILITY TO THEM.
IF THEY DO INSURE IT FOR YOU THE RATES WILL BE HIGHER AND THE VEHICLE WILL HAVE TO BE FULLY INSPECTED.
IF YOU BUY ONE OF THESE VEHICLES FOR $10,000 AND YOU ARE INVOLVED IN AN ACCIDENT AND THE VEHICLE IS TOTALED, THE INSURANCE COMPANY MIGHT GIVE YOU 1/3 OF WHAT THE VEHICLE IS ACTUALLY WORTH.
EVERYONE THAT BUYS ONE OF THESE VEHICLES WILL END UP PISSED OFF OR IN THE POOR HOUSE.
VERY BAD TO BUY NO MATTER HOW GOOD THE PRICE MIGHT BE.
ALSO YOU CANNOT GET ANY TYPE OF WARRANTY OR EXTENDED WARRANTY ON THESE VEHICLES AS WELL. |
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