Category C write off question

Nodding_Donkey

It seems a bit strange that they have tried sending you a cheque before you've accepted their offer, if indeed they ever made an offer.

Even stranger that they have appeared to assume you want the salvage yet are asking for the V5. Is the amount they have offered (cheque + £135) sent you a reasonable price that would allow you to replace it?

What car is it?

arcon5

No point having it serviced yet. Have the VIC removed and MOTd so you know if there is any further damage underneath that could significantly fail an MOT

Hintza

OP if you need car parts EBay is your friend.

If I was in your shoes I would not be too bothered how it looked but would concentrate on making it legal and not going to rust and then run it until it dies.

AdrianC

Cat C means only that the cost to repair the damage exceeds the vehicle's pre-accident value. Which, if it needs a rear wing and the value's £1350, is hardly a surprise.

Danosaur

Nodding_Donkey wrote: »

It seems a bit strange that they have tried sending you a cheque before you've accepted their offer, if indeed they ever made an offer.

Even stranger that they have appeared to assume you want the salvage yet are asking for the V5. Is the amount they have offered (cheque + £135) sent you a reasonable price that would allow you to replace it?

What car is it?

I do find it strange about the V5, but it does say copy of so I'm going to send a photocopy and see what happens.

Danosaur

I managed to find a thread on here that answered all my questions.
https://forums.moneysavingexpert.com/discussion/3145938
It seems that everything should be OK and the only thing that is affected is the reminder for the tax.
I have no intention of selling the car so the marker is not a problem and if I do decide to get the VIC test I can do so at a later date.
Just got to get it through the MOT now .
Thanks for your help.

InsideInsurance

Nodding_Donkey wrote: »

It seems a bit strange that they have tried sending you a cheque before you've accepted their offer, if indeed they ever made an offer.

Even stranger that they have appeared to assume you want the salvage yet are asking for the V5. Is the amount they have offered (cheque + £135) sent you a reasonable price that would allow you to replace it?

What car is it?

Not strange at all, their liability for car hire/ storage etc stops 7 days after the OP receives the monies. Get it out the door as quick as possible to stop the liabilities and deal with the niceties afterwards.

The V5 is presumably to double check ownership, get the VIN for the MIAFTR report of the write off etc. They've only asked for a copy not the original.

You need to inform your insurers that the car has been written off and what steps they require. Many insurers will reduce cover to Third Party Only post a write off until you have the VIC check done or only pay the salvage value even if they do maintain the current level of cover.

colino

If it is MOT'd now, it doesn't need redoing just because an insurance company has paid out on it.

Nodding_Donkey

InsideInsurance wrote: »

Not strange at all, their liability for car hire/ storage etc stops 7 days after the OP receives the monies. Get it out the door as quick as possible to stop the liabilities and deal with the niceties afterwards.

I would suggest that getting an offer accepted should be the first thing they did and the OP certainly sounded like this was the first contact.

InsideInsurance

Nodding_Donkey wrote: »

I would suggest that getting an offer accepted should be the first thing they did and the OP certainly sounded like this was the first contact.

Hypothetically, claimant had a 15 year old rust bucket of a Ford Fiesta. Currently they are driving round in a credit hire 2012 plate VW Polo. They can keep that car, within reason, until 7 days after they get the funds for the total loss of their Fiesta.

What motivation does the claimant have to accept the offer quickly? They could easily get another week or two driving a much better car than they used to have or will be able to afford to replace it with whilst the matter is outstanding.

That extra week hire is going to probably cost more than the full settlement value. Things get even worse if the TPV is in a compound incurring storage charges.

It may be polite to get acceptance first and send payment second but if you want to lower your claims costs then you send the two together.