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Running A Car - What is CAT D?

24 May 2012

There are five levels of damage used by the insurance industry to describe cars that have been involved in accidents. These levels, or categories as they're more commonly known, are labelled as A, B, C, D and F.

Cat F refers to a vehicle that has suffered fire damage. The other four 'Cats', A to D, all relate to cars that have had various levels of crash damage, and that are registered as such.

Cat A is the worst of the four, where a vehicle is so damaged that it cannot even be used for salvage and should be crushed.

Cats B and C mean that the vehicle has been heavily damaged and the insurance company has chosen not to go ahead with the repairs. Cat C cars are usually capable of being salvaged if the repairs are carried out correctly.

Cat D is the least serious category. It usually means that the vehicle has suffered light damage but the insurance company's decision to repair it is dependent on the cost of the repairs and the value of the vehicle.

If you're buying a Cat D car, there's no guarantee that it hasn't incurred chassis damage. You can find out for sure by investing in a full mechanical inspection at an approved dealership, or by RAC Inspections.

If you buy a Cat D car, make sure your insurance company knows about it, otherwise they might not pay up on any claim.

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