Car Insurance assessors use many categories of car insurance write-off to rank the seriousness of accident damage.
Up to 1 October 2017, the four categories used included A, B, C, D, whereby the level of damage would decrease in severity by category.
The categories are now A, B, S and N. Category A (unchanged) Scrap only. For cars so badly damaged they should be crushed and never re-appear on the road. Even salvageable parts must be destroyed.
Category B (unchanged) Body shell should be crushed. Signifies extensive damage, although some parts are salvageable. Should never re-appear on road, although reclaimed parts can be used in other road-going vehicles.
Category S (formerly Category C) The new Category S means the vehicle has suffered structural damage. This could include a bent or twisted chassis, or a crumple zone that has collapsed in a crash. Category S damage is more than just cosmetic, therefore, and the vehicle will need to be professionally repaired.
Category N (formerly Category D) Vehicles graded accordingly haven’t sustained structural damage, so the issue may be cosmetic, or a problem with the electrics that isn’t economical to repair. Don’t assume such vehicles are drivable, however; non-structural faults may include brakes, steering or other safety-related parts
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