Insurance lied about my car write off category !!!

[Manxman in exile]

11 hours ago, Obe1 said:

Thanks everyone for your responses, I’ve spoken to the insurance and they’ve told be after they made my settlement they had another engineer look at it and they categorised as cat S and hence the sale of copart...

 

Isn't it rather odd that Hastings should get a second engineer's opinion as to the extent and cost of repairs to your vehicle?  (And not tell you about it!).  Maybe that's standard practice but seems a bit fishy (and unnecessarily expensive) to me.

 

Is your car particularly rare or unusual in some way?

[Manxman in exile]

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Correct me if I'm wrong but you bought the car for 16K and Hastings have paid you a write-off value of 15.3k?  (16k valuation - after some argument - less £700 excess).

If that's correct I'd be inclined simply to take the payment and buy another car.  I understand that you would prefer to buy the car back and think you could get it repaired cheaper than Hastings are saying (are you really sure of that?) but like BankFodder I don't see the point of taking the risk that the car might be more damaged than you think.

Hastings may have acted questionably here, but in essence they appear to have written off your car and to have paid you a reasonable market valuation for it.  (To be honest, if you bought it for 16k I'm a bit surprised that they've agreed a figure that high as a valuation.  Perhaps you got a very good deal when buying it which may be why you don't want to lose it now).