Cat c right off

[suesi1]

I have been in accident, this chap ran into me. The insurance comp are righting my car off as a cat c. Can i sell the car on as a cat c and how do you sort the paper work out ?eg. Do i contact DVLA or will the insurance company send me some paper work once they pay out, stating it as a cat c, can i still drive the car until i sell it on or can i just keep the car and drive it? never had an accident before so not sure what i can and cant do,

Thanx

[magicmerlin]

If the insurance company are writing the car off and paying up on the insurance the car becomes theirs, therefor you can't sell it if it's not yours.

[naomirod]

Same thing happened to me.Its your car and you can sell it if you want to but best let buyer know its a category because they can do a check on their mobile phone for �3

[naomirod]

catagory c that should have read

[TWR]

You can offer your insure a sum to retain the car if you think the car is worth putting back on the road.

[suesi1]

Thank u everyone for you information

suesi1

[suesi1]

just one thing the insurance have said to me its upto me to dispose of the car, do i inform dvla?

[TWR]

Hi Sue, If the car is a total contact your local scrap yard, they will collect, Its worth about �50 scrap value, take out the radio & put it on EBay �20- � 30 depending what the set is like, advertise your full set of wheels as a exchange price, yours for theirs in-turn your car will still have wheels, If you decide on the scrap option they will sort out the DVLA, but seek advise regards the car / damage it may be in your interest to repair the car depending on the age of the car, don't jump to quickly otherwise you will sink, in other words find out the options then decide. I see it was a rear shunt depending on his speed, some can be repaired. Good Luck.

[suesi1]

Thanks TWR, the car was a side impact just needs a new door, its a v reg peugot if i decide to repair, do i contact dvla and inform them of the cat c and does it need to go on my log book.

thanks for all your help

[gouldc]

DVLA wil lalready be aware as we update a system called MIAFTR.

This will also alert VOSA - the DVLA will not issue any new documentation (including tax reminders) until you have taken the car through a VIC (Vehicle Identity Check). You would need to contact VOSA to arrange this once your vehicle has been repaired.

If you try to sell the car before the VIC is done, the new keeper will be unable to register it in their name, and it will inevitably come back to you.

Once the VIC is done, the V5 will state that the car has been previously substantially damaged and/or repaired

[TWR]

Hi sue, If you have someone that will go to your local scrap yard for a door of the same colour then you will be saving a lot of money re/ the respray of the door, if not contact 247 car spares give them your details, they should contact you within the hr if one is found, if the car is in good condition apart from the door I would def repair it, you will be able to bye your car back from your Insurance for YOUR price. ragards DVLA they will have been notified by your Insures, My self I would get the ar RE-MOT for your own safety or if you decide to sell the car.

[gouldc]

Hi mdoo98, I was making the assumption that the OP was retaining the vehicle.

the car wil lremain their vehicle until the insurer's pay out - unless they settle with the policyholder retaining the vehicle,.

however, the car will always go onto the MIAFTR database, hence the info provided about VIC, etc.

regardless of whether a claim is pursued, once we are informed that a vehicle is a total loss, we have an obligation to update the MIAFTR database.

I agree totally about the repair costs, but insurers base the estimated repair costs on Thatcham's guidelines for repair times, and using new, rather than used, parts.

Half the cars we write off should never be written off, but stupid legislation, governing bodies, and do-gooder's in general put pay to everything