car written off :(
Posted
#1393926
(In Topic #183112)
Old Timer
A couple weeks ago I was rear ended by a motorbike in my mk1, received the dreaded call today that the engineer/assessor has reported
it a cat B write off… bit stumped
basically it has damage to rear panel, tailgate, rear of boot floor, and slight crumple in o/s/r corner/I think maybe chassis leg (got a few photos of damage if anyone wants to see)
I'm no mechanic or engineer etc but I'm pretty sure it shouldn't be classed as a cat B as in my opinion, and also a couple other people who have looked at it, is that it is repairable and not unfit to go back on the road
I was wondering if anyone is in the know how of these sort of things, and whether the category system is purely down to the amount of damage or is it to do with the cost of the repair in relation to the value? e.g they might say to repair the damage would exceed the value of the car by a fair amount maybe more than double so just write it off as cat B?
also if anyone has had experience with cat B or C and what damage they had etc would be helpful?
Cheers
edit. looking at it again I don't even think the chassis leg is bent, just looks like the o/s/r corner of the boot floor where the bumper mounts has bent in a bit and also the o/s/r corner of the body. doesn't look to have bent the chassis leg underneath it though
Last edit: by ned_h
'83 formel e
Posted
Moderator
Now I'm no expert on the UK Insurance market but my guess as you said "cost of the repair in relation to the value."
The best thing to do right now is to get some good clear pictures of the car and the damage and post them here.
Tell us about the car, how old, mileage, you know the sort of thing.
Then let the real experts on the forum give you their opinion!
I should add that the Insurance Company will every time take the cheapest option for them but I'd hope everyone knows that.
Good luck.
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Mike
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Posted
Old Timer
yeah that's what I was thinking, and especially with it being an older car to them
is true though with insurance companies, I'm going to dispute it though and ask for a copy of the engineers report confirming that the damage is sufficient for it to be unfit for repair regardless of the cost.
they said there's only £36 worth of salvage left too……
anyway It's a 1983 1.1 c formel e, 117k on the clock, fairly solid all round don't think it's had any welding (except for exhaust ), few small dents in bodywork and paint is a bit tired
pics:
As you can see the rear is rather dented/crumpled in
as I say I'm no expert but to me it looks like the rear corner of the boot floor where the bumper mounts (not sure on technical name) is bent in, above the chassis leg, but not the actual leg itself.
I was expecting it to be a cat C write off but not B.
I guess I'll have to wait and see what they say next
Cheers
'83 formel e
Posted
Settled In
83 Candy White Campaign http://vwgolfmk1.org.uk/forum/index.php?page=topicview&id=projects%2Fyour-mk1-golfs_2%2Fmk1-golf-restoration_2 89 Caddy pick up http://vwgolfmk1.org.uk/forum/index.php?page=topicview&id=projects%2Fyour-other-cars-and_2%2Fcaddy-barn-find Mk1 Scirocco project completed
Posted
Moderator
But you said you were hit by a Motorbike.
So what was it on at the time a HGV?
Because that looks very hard mate!
But there's always hope, so lets see what others say.
Posted
Old Timer
I'm just stumped at how they've said mine is a cat B and not C, when an older car can be classed as cat C even if it needs some chassis jigging. I would have thought mine is repairable but not economic to do so
but yeah exactly cheers man, and luckily the motorcyclists wasn't hurt either
'83 formel e
Posted
Settling In
uberfukz broke another
Posted
Local Hero
it will save them the cost of the disposal and storage as you will not be allowed to keep it on a cat B. it has to be broken for spares by an approved Dismantler.
Regards Volkswarren
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X2 1983 A REG EW CAMPAIGN In WHITE(Awaiting full rebuild solid body) & T Reg S1 GTi Project, Still Looking for Series 1 GTi's or a 16S Oettinger to restore (Complete Cars only) or an A reg Lhasa Green or White Gti to restore, also consider Black, Red or Blue, Also Golf Driver Project Wanted anything considered WHY
Posted
Settled In
Cat B parts only
Cat C repairable IE new wing, door or dents
Cat D cosmetic scratch's etc
I very much doubt you will be able to tax it as DVLA will know it's Cat B
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Posted
Old Timer
I am going to try and dispute it though to get it changed to a cat C if I can, the guy I spoke to on the phone was a bit surprised by their engineers report, but I guess there will be reasons why they've said it's a cat B, I just hope it's the economic side of things!
but what's strange is that when the insurer told me the value the engineer has given it, and told me the £36 worth of salvage, they said I can keep the car if I want and have that amount taken off the value even though they said it's a cat B?
so at least if it does stay a cat B I can keep it to break etc
but hopefully It'll end up a cat C so I have a few options for what to do with it
the thought of her ending up in the scrappy is a horrible one though..
'83 formel e
Posted
Moderator
Posted
Old Timer
unless I can find a good solid shell/project which doesn't need any welding/paint or anything that I can swap all the bits from mine onto cf_emoticons__BangHead:cheers for all the help above and on this site though, this was my first car and loved it, so if I can't find a replacement mk1 (don't want anything else),then I'm sure I'll be back in one at some point.
might have to go slightly newer with a mk2 for now as they're a bit cheaper and I'm a student at the mo
Cheers
Ned
Last edit: by ned_h
'83 formel e
Posted
Settled In
Posted
Old Timer
Posted
Settling In
Posted
Old Timer
I haven't heard/done much about it in the past week or so, not sure if it's too late to try and dispute the cat B again, anyone have any pointers on the best ways to go about this? need to see the engineer's report. I haven't signed anything yet to do with it all so that's good I guess.
akzeb thanks for the advice, I'll have to look into that. obviously would ruin the value of the car tho even more so than a cat c? I think it is repairable, maybe a slight chassis jig. I've heard of worse damage only being written off as a cat c tho…
'83 formel e
Posted
Settling In
Posted
Old Timer
It certainly looks in repairable condition, but it would be nice to see the engineers report to see why they've categorised it as B and not C - there will be a reason.
Mike.
1983 White cabriolet GTi
Posted
Old Timer
I just hope I can dispute it again, having trouble getting hold of the engineer's directly at the mo
Took it for a drive up and down my track a few times today though, couldn't bare it just sitting in my garage, made me miss it more though cf_emoticons__BangHead:
'83 formel e
Posted
Old Timer
They've also put a repair cost estimate of £2150.33 even though they're saying it's a cat B..
I'm not really sure where to go from here, want to try and appeal against this but not sure how to go about it really, wondering if anyone could offer any advice or views on this? or looking at the photos if I have a chance maybe? I can get more photos of the damage if it helps anyone. You've all been very helpful so far so thanks a lot.
Cheers
Ned
'83 formel e
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