Why me?

[Andy78]

a cat d should not have much effect on the resale value of an older vehicle. any sensible buyer will realise that cat d is just the insurers way of saving themselves money.

But I do have to get it re-MOTed to continue my fully comp insurance. I think I will have to call them back and suggest they cover the cost of that.

 

[UNG]

Having a similar one with my insurance it started out as a knock for knock offer which I told the insurance company to take a hike they now agree with me that the third party is wholly to blame and at the moment it is looking it may go legal as I want to claim the repair costs from the third party rather than claim on my insurance as my insurance company want to write my vehicle off as a Cat D. I'm also looking to claim for the policy loading for the next 3 years that this accident will have to be declared for insurance

I did read somewhere that you can insist that if the third party is at fault that your vehicle is repaired by the third parties insurers don't know that this is fact though

 

[Robotstar5]

What really annoyed me about Mrs Robo's "accident" was the car was unoccupied and parked on the drive when the uninsured driver hit it, but because they were unable to trace the driver (he did a runner) when we came to renew the insurance the "accident" was classed as HER FAULT!.

 

[jaypp]

What is really annoying is that you seem to be happy with a simple repair yet there is obviously a market value that has been set where writing off is their default cheaper option. Perhaps we should give our vehicles names and take pictures of them on holiday etc., making them achieve a sentimental value status!
Insurance is supposed to leave you in a 'no worse off situation' after a claim.