WHAT IS AN INSURANCE WRITE OFF CHECK ?
If a car has crashed, upon inspection, the insurer could go over the car and may either give it a roadworthy status or write it off, based on the car's condition, if it has undergone severe damages then it will be written off by the insurer.
Once the car has been written off it has lost its road worthiness and cannot be driven on the road again.
Some dealers despite knowing this, sell used cars with unseen damages, which can trouble you later on wards. Doing a simple insurance write off check can help you know the car's accident history.
Along with the accident history you will also know about the current valuation of the car, it's spare parts details, which will give you a clear idea whether to buy that car or not.
There are written off categories which you can use as a guide
Cat A, B C and D
Cat A car is of no use, B can be considered for spare parts, Cat S formerly Cat C has structural damages which can be repaired and used but it may cost more than the car’s current value. Category D write off may have the least damages and can be repaired and used.
What are the advantages of getting an insurance write off check?
It can assist you in choosing the right car for you.
You can know the car’s real value and it can help you in negotiating the price of the car.
After getting car write off check you may also get a clear idea about part exchange value and other valuation prices.
Along with written off status you will also get complete data of the car you want to buy, such as keeper’s history, MOT history, outstanding finance of the car if it has previous dept. engine number, colour change status etc.
Why it is important to get a car write off check?
Used cars carry huge risks which cannot be seen but can be troublesome for you later, if you don't know about the car having unsettled issues with it, such as being a written off, a stolen car, or having financial problems etc. precisely why it is important to get a car write off check.