Category S econonimcal write off

[The Angry Welshman]

Because you still need to declare the accident, even if you withdraw the claim and get nothing from anyone.

well we will see next year when the insurance is due.....

 

[Mercenary Keyboard Warrior]

ive already asked my insurance and they have stated its still insured to drive and is marked down as a CAT S..... the reason i would just drive it and carry on is because ive had it inspected by my garage that has done my MOTs for the past 10yrs has deemed no structural damage to the vehicle.

As for the devalue of the car, it owes me nothing in real terms its been bought and paid for, for many years. Its only really worth something if i decide to sell it and tbh, there is no reason to sell it. The only work thats been required on it is new brake pads 5yrs ago and since then its done less than circa 5k miles as i work from home fulltime.

Of course its worth something, its worth its market value.
Your not relying to what I said, its in a grey area right now as technically it could be deemed unroadworthy, but its still your car.
IF you were to accept the ins co offer then its no longer yours so even if your buying it back then technically you had a break in ownership.
But, if you don't care however then the easiest option is to simply say close the claim and confirm the ins co have removed any marker IF they placed one, which I think technically they should not yet have done.

Most people would care hence why I think people are struggling with what you expected to happen.

As said, when you come to renewal you will be asked have you had any accidents or claims even if not your fault.
Strictly speaking your answer should be yes.
Some insurers will place a small premium loading at this point, as they will assume that you are not necessarily choosing to park in the safest places.
They can't do any more than that and it can genuinely not be your fault, but there are times when people will be no fault, but have increased risk.

 

[The Angry Welshman]

Of course its worth something, its worth its market value.
Your not relying to what I said, its in a grey area right now as technically it could be deemed unroadworthy, but its still your car.
IF you were to accept the ins co offer then its no longer yours so even if your buying it back then technically you had a break in ownership.
But, if you don't care however then the easiest option is to simply say close the claim and confirm the ins co have removed any marker IF they placed one, which I think technically they should not yet have done.

Most people would care hence why I think people are struggling with what you expected to happen.

As said, when you come to renewal you will be asked have you had any accidents or claims even if not your fault.
Strictly speaking your answer should be yes.
Some insurers will place a small premium loading at this point, as they will assume that you are not necessarily choosing to park in the safest places.
They can't do any more than that and it can genuinely not be your fault, but there are times when people will be no fault, but have increased risk.

thanks for your input warrior, currently no marker gets put onto the car until the transfer of ownership takes place

secondly, its not been deemed unroadworthy, that would be CAT A or CAT B.....

thirdly, not sure were parking the car comes into the conversation, its parked on a private drive. the car was reveserved into while i was driving by a driver reversing out of a parking area without looking, hence taking full responsibility.

Fourth, my insurance are already aware of the accident, so no further disclosure required.

Fifth, the car has already been checked by an independant garage, not affiliated to either insurance company have have deemed the car to have recieved ZERO structural damage, it literally is a small bump on the wheel arch. But as the car is 10yrs ( governement direct currently is to try and write off as many xars as possible over 5yrs old, so people switch to electric) as stated by teh 3rd party insurer, makes me think bo actual assesement was done and they are still not fortyhcoming with the Structural engineers report or supposed 14 photographs they took.

 

[Mercenary Keyboard Warrior]

thanks for your input warrior, currently no marker gets put onto the car until the transfer of ownership takes place

secondly, its not been deemed unroadworthy, that would be CAT A or CAT B.....

thirdly, not sure were parking the car comes into the conversation, its parked on a private drive. the car was reveserved into while i was driving by a driver reversing out of a parking area without looking, hence taking full responsibility.

Fourth, my insurance are already aware of the accident, so no further disclosure required.

Fifth, the car has already been checked by an independant garage, not affiliated to either insurance company have have deemed the car to have recieved ZERO structural damage, it literally is a small bump on the wheel arch. But as the car is 10yrs ( governement direct currently is to try and write off as many xars as possible over 5yrs old, so people switch to electric) as stated by teh 3rd party insurer, makes me think bo actual assesement was done and they are still not fortyhcoming with the Structural engineers report or supposed 14 photographs they took.

CAT S is literally a marker to say its unroadworthy but can be fixed, if they reverse this then sure but its the point, its a car that requires repair to make it roadworthy.

They place a marker within a limited time, I believe its 7 days. This was to reduce fraud with things like people trying to avoid a marker by dragging it out.
Will see if I can find that in a link for you.*

Parking matters, anything they can use to try to identify those more likely or less to have an accident.
It doesn't matter if your parked on a drive or not.
They ask "have you had a claim or been involved in an accident even if not your fault" or words to similar

* here is the text "Before you go down this road, bear in mind that insurers must put written-off cars on MIAFTR (Motor Insurance Anti-Theft Register) within seven days of deeming them such. It is very difficult to have a car removed from MIAFTR, which is one of the key records vehicle history check companies use to determine if a car has been written off." Bolded underlined point my addition.

What is a Cat A, Cat B, Cat S or Cat N write-off car?

What does it mean when a car is Cat A, Cat B, Cat S or Cat N? We'll explain all...

www.carwow.co.uk

I like the little CT dropped in there about the government. Now it makes sense, I am out.

 

[The Angry Welshman]

CAT S is literally a marker to say its unroadworthy but can be fixed, if they reverse this then sure but its the point, its a car that requires repair to make it roadworthy.

They place a marker within a limited time, I believe its 7 days. This was to reduce fraud with things like people trying to avoid a marker by dragging it out.
Will see if I can find that in a link for you.*

Parking matters, anything they can use to try to identify those more likely or less to have an accident.
It doesn't matter if your parked on a drive or not.
They ask "have you had a claim or been involved in an accident even if not your fault" or words to similar

* here is the text "Before you go down this road, bear in mind that insurers must put written-off cars on MIAFTR (Motor Insurance Anti-Theft Register) within seven days of deeming them such. It is very difficult to have a car removed from MIAFTR, which is one of the key records vehicle history check companies use to determine if a car has been written off." Bolded underlined point my addition.

What is a Cat A, Cat B, Cat S or Cat N write-off car?

What does it mean when a car is Cat A, Cat B, Cat S or Cat N? We'll explain all...

www.carwow.co.uk

I like the little CT dropped in there about the government. Now it makes sense, I am out.

Maybe you missed the bit were the 3rd party insurance have agreed with me if i remove the claim then NO CAT S marker would be placed against the vehicle.

I have also done a full vehicle check on car checker and as yet no damage has been listed against the vehicle. Car checker users the MAFTR register to check the car....

No further updates will be posted.

 

[Mercenary Keyboard Warrior]

Maybe you missed the bit were the 3rd party insurance have agreed with me if i remove the claim then NO CAT S marker would be placed against the vehicle.

I didn't no.

Your talking to someone who isn't going to be able to place or not that marker.
Its almost certainly software controlled.

Source, I was part of implementing the new system for personal insurance for one of the largest insurers in the UK and part of the design and review was exactly these types of business decision and control mechanisms.
Where things were musts they almost always happen automatically and things that are musts have virtually no one able to easily change them.

 

[The Angry Welshman]

I didn't no.

Your talking to someone who isn't going to be able to place or not that marker.
Its almost certainly software controlled.

Source, I was part of implementing the new system for personal insurance for one of the largest insurers in the UK and part of the design and review was exactly these types of business decision and control mechanisms.
Where things were musts they almost always happen automatically and things that are musts have virtually no one able to easily change them.

so the imsurance company are lying then, is that what your saying??

you also state it has to be placed within 7 days..... its only been 3. Therefore as it currently stands it doesnt need to be placed yet.

 

[Haggisman]

thirdly, not sure were parking the car comes into the conversation, its parked on a private drive. the car was reveserved into while i was driving by a driver reversing out of a parking area without looking, hence taking full responsibility.

Your drive is obviously in a position where someone reversing out of a parking area without looking is likely to hit it.

Someone whose drive is not in that position does not have that risk, ergo you are higher risk because of your drive position.

If you had a large gate across your drive, the other car would have hit that rather than your car, ergo you are more of a risk than someone who has a large gate across their drive.

Not saying I necessarily agree with that logic, just pointing out that it's not as simple as "my car was parked on my drive so my risk shouldn't be higher"

 

[tom_e]

Your drive is obviously in a position where someone reversing out of a parking area without looking is likely to hit it.

Someone whose drive is not in that position does not have that risk, ergo you are higher risk because of your drive position.

If you had a large gate across your drive, the other car would have hit that rather than your car, ergo you are more of a risk than someone who has a large gate across their drive.

Not saying I necessarily agree with that logic, just pointing out that it's not as simple as "my car was parked on my drive so my risk shouldn't be higher"

He wasn't parked on his drive, he was being driving along and someone reversed into him.

 

[Haggisman]

He wasn't parked on his drive, he was being driving along and someone reversed into him.

My bad, I missed that amongst the fluff about parking location

However the point still stands, although the bump wasn't your fault, another driver may have spotted the hazard earlier and reacted accordingly, avoiding it altogether. Again, I'm not saying this is the case here or that I agree with it, but unfortunately, statistically someone who has had an accident is more likely to have another one, regardless of fault.

 

[Armageus]

But as the car is 10yrs ( governement direct currently is to try and write off as many xars as possible over 5yrs old, so people switch to electric)

Better buy a tinfoil car next, that's some conspiracy

 

[The Angry Welshman]

My bad, I missed that amongst the fluff about parking location

However the point still stands, although the bump wasn't your fault, another driver may have spotted the hazard earlier and reacted accordingly, avoiding it altogether. Again, I'm not saying this is the case here or that I agree with it, but unfortunately, statistically someone who has had an accident is more likely to have another one, regardless of fault.

not had one in the 38yrs ive been driving prior to this one and seriously "spotted the hazard" how do you spot a numpty reversing out of a parking space without looking?? and dont so by the reversing lights, because my vision doesnt see things happening from behind me. i had already virtually passed the car from my driving position before they reversed out and hit me.... unless you was actually there, you wouldnt understand fully how it happened.

i was driving behind said vehicle, she undicated to go right into a parking slot, she pulled into to spot and stopped, i then proceeded to drive past said car... she then without looking ( as she admitted) slapped the car into reverse and pulled straight back out hitting the rear wheel arch of my vehicle, at what was a pretty slow speed, putting a dent into the wheel arch.

There is no way on this living earth it suffered and structural damage and has been checked by an independant garage to verify no structural damage ( a part that everyone seem to be forgetting when they add some post to this thread ). The law states i have a legal right to challenge the assessment of the vehicle and i am acting upon that legal right. I also have a legal right to withdraw my claim from the insurance, a claim that i never submitted as they contacted me and offered to repair my vehicle at their cost. If/whwn i withdraw that claim the said 3rd pary insurer has stated NO marker will be placed against my vehicle, they stated it only gets marked once transfer of ownership and conclusion of the claim is agreed.

Now they maybe lying about the marker and if so, i have other ways to report this issue. Notebly the Financial Ombudsman Service.

What is starnge that if the car suffered structural damage and classed as unroadworthy until repair. WHY did they allow me to pick it up and drive it away and WHY did my insurance company say that the car is STILL fully insured and able to drive?? all things i have posted within this thread and people are ignoring.

 

[The Angry Welshman]

Better buy a tinfoil car next, that's some conspiracy

its not a ocnspiracy its a quote from the actual insurance company themselves. no tinfoil hat or car required.

 

[Mercenary Keyboard Warrior]

so the imsurance company are lying then, is that what your saying??

you also state it has to be placed within 7 days..... its only been 3. Therefore as it currently stands it doesnt need to be placed yet.

What I am saying is that you may well find that the customer service person you speak to is not aware of all the facts nor processes that will take place.
Thats not lying thats what happens when you speak to relatively junior people not the decision makers, they can often be incorrect.

Within means 0-7 not 7
"If something will be done within seven days, and it's Thursday, it will be done before the end of Thursday of next week."

My bad, I missed that amongst the fluff about parking location

However the point still stands, although the bump wasn't your fault, another driver may have spotted the hazard earlier and reacted accordingly, avoiding it altogether. Again, I'm not saying this is the case here or that I agree with it, but unfortunately, statistically someone who has had an accident is more likely to have another one, regardless of fault.

Yes because whilst people may not be driving and not at fault they may also be increasing the risk of an at fault person colliding with them.
Eg parking in the worst spot of a carpark, in a technically allowed space on a road but that is clearly a risk of being hit as its too narrow etc

 

[The Angry Welshman]

What I am saying is that you may well find that the customer service person you speak to is not aware of all the facts nor processes that will take place.
Thats not lying thats what happens when you speak to relatively junior people not the decision makers, they can often be incorrect.

Within means 0-7 not 7
"If something will be done within seven days, and it's Thursday, it will be done before the end of Thursday of next week."



Yes because whilst people may not be driving and not at fault they may also be increasing the risk of an at fault person colliding with them.
Eg parking in the worst spot of a carpark, in a technically allowed space on a road but that is clearly a risk of being hit as its too narrow etc

THE CAR WASNT PARKED.... i was driving the vehicle

I have also not been dealing with a customer service person, i have been dealing direct with the valuation team that will enact the CAT S once the agremeent has been fully agreed. Again you seem to miss that bit, just because you may have in the past worked for a PEROSNAL insurance company.

 

[Mercenary Keyboard Warrior]

i was driving behind said vehicle, she undicated to go right into a parking slot, she pulled into to spot and stopped, i then proceeded to drive past said car... she then without looking ( as she admitted) slapped the car into reverse and pulled straight back out hitting the rear wheel arch of my vehicle, at what was a pretty slow speed, putting a dent into the wheel arch.

Hate to say it but thats a risk right there. Anyone who pulls into a spot always has a chance they will decide they are not straight or cannot get out so you always have to consider someone who has pulled into a spot a risk of trying to continue their maneuver after the initial pull into a spot.

Shes in the wrong no one will say anything otherwise, but that is a specific car park risk right there that until someone stops the car they can decide they made a mistake, which can be for many reasons, realise they left purse at home, aren't straight, cant get out, realise the car they parked next to is a total heap etc.

 

[Haggisman]

not had one in the 38yrs ive been driving prior to this one and seriously "spotted the hazard" how do you spot a numpty reversing out of a parking space without looking?? and dont so by the reversing lights, because my vision doesnt see things happening from behind me. i had already virtually passed the car from my driving position before they reversed out and hit me.... unless you was actually there, you wouldnt understand fully how it happened.

i was driving behind said vehicle, she undicated to go left into a parking slot, she pulled into to spot and stopped, i then proceeded to drive past said car... she then without looking ( as she admitted) slapped the car into reverse and pulled straight back out hitting the rear wheel arch of my vehicle, at what was a pretty slow speed, putting a dent into the wheel arch.

There is no way on this living earth it suffered and structural damage and has been checked by an independant garage to verify no structural damage ( a part that everyone seem to be forgetting when they add some post to this thread ). The law states i have a legal right to challenge the assessment of the vehicle and i am acting upon that legal right. I also have a legal right to withdraw my claim from the insurance, a claim that i never submitted as they contacted me and offered to repair my vehicle at their cost. If/whwn i withdraw that claim the said 3rd pary insurer has stated NO marker will be placed against my vehicle, they stated it only gets marked once transfer of ownership and conclusion of the claim is agreed.

Now they maybe lying about the marker and if so, i have other ways to report this issue. Notebly the Financial Ombudsman Service.

What is starnge that if the car suffered structural damage and classed as unroadworthy until repair. WHY did they allow me to pick it up and drive it away and WHY did my insurance company say that the car is STILL fully insured and able to drive?? all things i have posted within this thread and people are ignoring.

Ok *shrug*

Statistically you are now more of an insurance risk, and I've explained why.

It's a bit like gr avity really, you can choose to believe it and prepare accordingly, or you can stick your head in the sand and pretend it's not real, but whether you choose to believe it or not, it's still going to affect you.

Your premium will almost certainly rise next year, and you can argue till you're blue in the face about how it wasn't your fault etc. but it won't make the slightest bit of difference.

 

[Mercenary Keyboard Warrior]

THE CAR WASNT PARKED.... i was driving the vehicle

I have also not been dealing with a customer service person, i have been dealing direct with the valuation team that will enact the CAT S once the agremeent has been fully agreed. Again you seem to miss that bit, just because you may have in the past worked for a PEROSNAL insurance company.

It came across as you were parked on a drive.

I didnt work for a perosnal insurance company I worked for a very large composite one.
There are differences and hence different systems for personal (ie public) and commercial insurance.

LOL a valuation team your dealing with is a customer service person, they are literally dealing with a customer.
Edit for reference I believe the industry standard term for the person your dealing with is a claims handler.
There are multiple role names for people who are all customer facing who will deal with different parts of the insurance process.

There are other teams who never speak to a customer. Its an internal classification into customer facing roles (providing customer service) and non, providing technical matters, ensuring compliance, investing, etc

 

[radderfire]

What car do you have anyway? I don't think you've said.

 

[The Angry Welshman]

It came across as you were parked on a drive.

I didnt work for a perosnal insurance company I worked for a very large composite one.
They are differences and hence different systems for personal (ie public) and commercial insurance.

LOL a valuation team your dealing with is a customer service person, they are literally dealing with a customer.

even though i stated numerous times that i was driving the vehicle, not once did i ever state my car was parked, you made that assumption all by yourself.

Also you stated above you worked for a Personal Insurance company.