Someone rear ended me a couple of weeks ago. they accepted liability. Just heard back to say I've been given a settlement fee and the car is classed as cat N.
This is my first crash so not quite sure what the done thing is.
They have given me a measly £2580 if they keep the vehicle.
I can get the vehicle back and only receive £2280
So £300 less
The car is classed as category N, which seems to be non structural damage.
Can anyone give any pointers about this? The impact was very minimal. I was expecting to get the paint fixed and a minor repair to the bumper.
Will the vehicle still be road-legal?
Surely it's worth keeping and definitely worth more than £300?
I spent £400 on it doing some work myself only a few months ago.
This is my first crash so not quite sure what the done thing is.
They have given me a measly £2580 if they keep the vehicle.
I can get the vehicle back and only receive £2280
So £300 less
The car is classed as category N, which seems to be non structural damage.
Can anyone give any pointers about this? The impact was very minimal. I was expecting to get the paint fixed and a minor repair to the bumper.
Will the vehicle still be road-legal?
Surely it's worth keeping and definitely worth more than £300?
I spent £400 on it doing some work myself only a few months ago.
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sorted byUltimately theyre offering to give you your car back and £2280... so is it going to cost £2280 to repair it? probably not.. so get it repaired and enjoy the profit. seems a no brainer to me lol. bear in mind that you might get less when you come to sell it but as a private seller you dont have to tell a buyer.
if you do have it back check your insurer is ok with insuring it. shouldnt be a problem but worth checking. and maybe take some before and after pictures of the damage and repair. then if a seller does ask about it then you can put their mind at ease.
some info found online
"
Cat N cars, or non-structurally damaged carsCategory N write-offs are vehicles that have suffered non-structural damage and can be repaired to a roadworthy condition and put back into use. The term ‘non-structural’ covers a lot of ground and could include the bumpers and roof panel, not to mention the electrics, the engine and the seats. A Cat N car doesn’t need to pass an inspection or be re-registered before it is returned to the road.
Once a car has been given a Cat N status, it can be bought back just like a Cat S car. However, the difference is that you do not need to re-register it, instead you keep the same log book but must inform the DVLA of its Cat N status. "
Oh and I took the tow bar off before it went to co-part so sold that for £100 after selling the car (the guy who bought the car bought it )
Check scrap car comparison sites, even if I sold it to one of those I was being offered £400 plus so yours may be worth more depending on car. Mine was a 2.2 diesel civic.
With the limited knowledge I have, I'd say argue with the insurance company for a better value/payout.
Keep the car and have it repaired . I am sure it would be road legal but less selling value.
It didn't cost us anything, except inconvenience & time.
Surely you have the right to have it reassessed at another garage - I wish that was something we did in hindsight.
Got two pay outs for it which covered the total cost from new for it and some.
Is it road legal?
that a vehicle doesn't have any structural damage and can be repaired and returned to a roadworthy condition.
What Car is it btw (edited)
Do all the rear lights work. If working your good.
Are there and bits sticking out.
Any sharp bits etc.
If yes screw or tape the down and away you go.
Also, remember that a write-off, even if you get it looking and working perfectly, will tank future resale value and lots of places won't even make you an offer.
They simply said a check was on its way in the post for £2580 from their insurer. And I can keep it and be done with it or deduct £300 and have my car back.
The value on webuyanycar is only coming back as £1300 (edited)