Returning a Cat B total loss to the road...How?

motorguy

patman99 wrote: »

Of course your mechanic will have to charge a storage fee to the insurer. As this is likely to be higher than the value of the car, he could offer to accept the car as a parts donor instead of cash.
That way, he will be able to jig-it and see if the body or chassis is bent.

How does this help the Cat B-back-on-the-road issue?

Hammyman

thegirlintheattic wrote: »

Hammyman: I thought Cat C was beyond economical repair.

Both are...CAT C is with a higher level of damage but repairable. I should have put both down.

Hammyman

rev_henry wrote: »

Sorry this has happened to you. Don't really know what to suggest - is it possible to pursuade the insurance to make it a cat c or d instead of B so it'll could potentially go back on the road?

No. Once the determination is made, that is it. As I said in my earlier post, there can be damage you cannot see which can make the vehicle undriveable even if it passes an MOT.

s_b

Hammyman wrote: »

If it is CAT B, an MOT and a VIC test won't see it back on the road. As mad as it sounds, it is actually possible for a CAT B to pass an MOT but be completely unfit to drive.

Financially unviable usually is CAT D. CAT B is for structural and safety issues. Just because it looks OK doesn't mean it is. You could put it on a jig and find that it is bent like a banana and twisted as well which means it will never drive right no matter what you do other than re-shell it.

most categorisation is down to the assessor and viability of clawing back some money when the salvage is sold on as it all is these days
the larger insurers dont even have assessors now just middlemen who try and hold you to ransom for lower figures than your car is worth,they get paid commission per write off so its in their interest to rip the car owner off
one further thing most write offs are not seen by the insurance company physically anymore ,they are sent an assessement baased on glasses and photos from every angle,each car is weighed up and the appropiate action taken as to where to place it back into the salvage market if they deem not to have it repaired

ive seen classics with minimum damage classed as cat b these last 12 months as companies like copart have made salvage big business and insurers just want money back in the till as quickly as possible

auroan

s_b wrote: »

most categorisation is down to the assessor and viability of clawing back some money when the salvage is sold on as it all is these days
the larger insurers dont even have assessors now just middlemen who try and hold you to ransom for lower figures than your car is worth,they get paid commission per write off so its in their interest to rip the car owner off
one further thing most write offs are not seen by the insurance company physically anymore ,they are sent an assessement baased on glasses and photos from every angle,each car is weighed up and the appropiate action taken as to where to place it back into the salvage market if they deem not to have it repaired

ive seen classics with minimum damage classed as cat b these last 12 months as companies like copart have made salvage big business and insurers just want money back in the till as quickly as possible

You work in the business do you ? First hand experience of this opinion of your's ?

mcjordi

theres a thread on here somewhere about a guy who returned a cat b bmw z3/z4? iirc back on the road and he managed it somehow..

atrixblue.-MFR-.

cat b SHOULDNT be returned to the road, CAT A is a destruction total loss stripped for any parts.

so reading between the lines even though its states shouldnt be put back on the road isnt a CANNOT be put back on the road.

a cat B Z3 has been put back on the road but he had loads of problems facing him in the process. and there would be no resale value and insurability issues.

s_b

atrixblue.-MFR-. wrote: »

cat b SHOULDNT be returned to the road, CAT A is a destruction total loss stripped for any parts.

so reading between the lines even though its states shouldnt be put back on the road isnt a CANNOT be put back on the road.

a cat B Z3 has been put back on the road but he had loads of problems facing him in the process. and there would be no resale value and insurability issues.

of course a cat b shouldnt be put back on the road
or they shouldnt have until the labour govt muddied the goalposts with the vic scheme
basically an insurer will categorise a vehicle these days to make most money at resale to trade this is why you see lots of high value cars absolutely anihalated as a catd it therefore follows to balance the figures for some two bit whitehall figure adder the insurer needs to do some cat b's this is where the belmont comes in via the OP
the car is out of production so manufacturer parts unobtainable it will have hidden rust and seized bolts so it cannot easily and cheaply be repaired the insurer doesnt want a protracted fight with owner so they just cat b and give minimum to owner irrespective of his feelings
this is where old car insurance valuations are handy in todays quick world