You may have heard of phrases like ‘Insurance Write-Offs’ , ‘Category C’ or ‘Category D’ reasonably often,especially when shopping for a secondhand automobile or car parts in Northern Ireland. Insurance firms normally write off vehicles that have been involved in road accidents. However some cars are often written off due to one reason or the other for instance as a result of being damaged by earthquake or any other natural calamity. It is important to note that every vehicle that is considered a write-off by an insurance company will always be categorized according the condition it is in and how it can be used afterwards.
Many people misinterpret car dismantlers terms ‘Write-off’,it does not often mean that a car is past repair or permanently dangerous to drive but somewhat that the insurer is writing-off the cost of bringing it back to its initial condition. This is because doing so would be uneconomic if the value of the car is considered.
If a vehicle is declared a writ-off,the owner will receive some compensation according to what the insurance company deems to be the value of the car. Alternatively they may keep the car and have it restored to its pre-accident condition at their own expense. Damaged repairable vehicles can be categorized as follows;
Category C: These are cars allowed back on the road since the damage is repairable. However the cost of the repair tends to be higher than the car’s value. But if you do not want to part with your vehicle for some reason maybe it was a gift,you can decide to repair it at your own cost.
Category D: These are vehicles allowed back on the road since the damage tends to be a repairable one. Unlike the above category,the repair costs are often lower than the value of the vehicle although it is significant enough for the automobile to be written-off.
Note: Category A and B cars are the most seriously damaged and must not be allowed back on the road. However their spare parts can be removed and sold as scrap.