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For more on marking an answer as the "Best Answer", please visit our FAQ.insurance write off that is economically beyond repair (this meaning will cost the insurance too much to repair). insurance companies usually only pay 20% of the car's value and has to be new parts from dealers. you can purchase a cat d write off and put it back on the road as the car only being cat d is deemed safe enough to do so, just to costly for the insurance company basically...