Insurance write-off category -meaning
If your car has suffered damage because of a crash, and your insurer considers the cost of repairs to be uneconomical, then it will be classed as an insurance write-off category A, B, C, or D. The car will then be kept by the insurer, and you will receive a cash payout for the loss. (usually the vehicle’s ‘market value’—the price it would have sold for at a trusted dealership, before it was damaged or stolen).
How does an insurer decide if a car is a write-off?
If your car is involved in an accident and you put in a claim, an insurance assessor or engineer will normally come and inspect the damage.
The assessor follows strict criteria, but could judge your car to be a write-off if it is beyond ‘economical’ repair.
Note the word econo...