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Why is my car a write off?
Your car will be deemed a 'write off' by an insurance company if it is considered to be beyond economic repair, in other words the cost of repairing it would be more than the insured value of the car.
When considering repair costs they may take into account not only parts and labour but possibly also costs for a hire car while your vehicle is off the road. Even though the damage may seem minor the replacement parts are not usually the major cost, it could be the labour charges that often push the costs over uneconomical threshold.
When a vehicle is written off or considered to be a total loss by an insurer it will be then be referred to as 'salvage'. It will then be categorised in the following way:-
- Category A. This means that the vehicle must be crushed. If the vehicle is burnt out or is submerged under water because of an accident then the car cannot be broken up and the parts sold off, the whole vehicle must be crushed
- Category B. This means that the damage to the vehicle is so severe that that vehicle must not be repaired and allowed back on the road. It can however be broken up for spare parts
- Category C. This is where the vehicle is so badly damaged that it cannot be economically repaired at commercial rates. It can be sold for repair but it will need to be inspected before it can be re-registered with the DVLA and legally allowed back on the road
- Category D. This means that vehicle can be repaired but the insurer does not consider it viable because the repair costs would be too high.
Vehicle Identity Checks were introduced to help prevent criminals from using the identities of written off vehicles to disguise those of stolen vehicles. If a car is declared a total loss by an insurer, they will notify the Driver and Vehicle Licensing Agency who will then put what is known as a 'VIC' marker on the vehicles record. This marker cannot be removed until the vehicle has been inspected.
Removal of the VIC marker does not necessarily mean the vehicle is safe to drive on the road however, the owner will need to get a separate inspection in order to do this.
If you have had a car accident that was not your fault, please telephone Car Call UK on 0845 676 0615 or start your free claim enquiry online using the button below, and one of our experienced claims advisors will be happy to assist you.
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