What happens to my car after an accident?


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By Grace Hickman

on Friday 1 December 2017


man distraught after accident

In some accidents, cars are considered write-offs – what happens to my vehicle if it’s written off after an accident?

Usually, it is uneconomical to repair a car when the repair costs are estimated to exceed the value of the vehicle itself. Even if an accident has only caused slight damages, insurers can still conduct a price comparison of the value and repair costs of the vehicle.

The market value of the vehicle is determined by motor trade guides, alongside the age, make, model, condition, mileage and any additional extras that may have been fitted to the car prior to the accident. Once you have notified your insurer of your accident, they will decide whether your car is repairable or not, often deemed a write-off of the damage is beyond repair.

 

What happens to my vehicle if insurers decide that it’s repairable?

The terms used to categorize different types of damaged vehicles are differentiated by a code of practice used by insurers, the DVLA, the Department of Transport and Trading Standards. Insurers are required to apprise the DVLA of all write-offs in all categories, including:

Category A

Cars fit for scrap. These write-offs are so seriously damaged they can never again be used on the road, this even extends to salvageable parts.

Category B

The salvageable parts of a category B car will be reclaimed and later used for cars that require new working parts. Nevertheless, if assessors claim that the car is a category B then the car is to never again be used on the road.

Categories A and B cars are beyond repair.

Category C (Now Category S)

Structural damage but can be repaired even though the costs would exceed the value of the car prior to the accident.

Category D (Now Category N)

Non-structural damages but repairable.

Before the car is to return to the road it will need a new MOT and potentially a (‘VIC’) or Vehicle Identity Check. Though as of 2015, a VIC is no longer a necessary requirement for Category S vehicles.

Some insurers may still require a new MOT for cars graded category N just to ensure that after the repair process it can be put back on the road.

 

What if I need a courtesy car?

Some insurers will offer a courtesy car as part of their policy when a policy holders vehicle needs to go in for repair. Courtesy cars are often stock cars that do not resemble your original vehicle in terms of function or size, making them inadequate for some road users.

If your car accident was caused by someone else’s negligence the you are entitled to claim Credit Hire. Credit Hire vehicles are often ‘like for like’ and can be available almost immediately following an accident. The cost of the credit hire will be recouped directly from the third-party insurer meaning there is no upfront cost to obtain one.

If you have been involved in a Road Traffic Accident that wasn’t your fault then Credit Hire can save you any further inconvenience. Call Non Fault Claims today to find out more about how this service can benefit you.

 

Policy Excess and Fees

Paying an excess is contributing towards the claim you wish to make on your car insurance policy. If you were not at fault for the accident then the rise in premium following an accident can seem unfair. Using Credit Hire will hold the third party insurer accountable for any repair and hire costs so that you get to keep your lower premium.

At Non Fault Claims, we work to ensure the success of your car accident compensation claim. Get in touch today!

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