do you have to tell insurance about cat s

How does a car get a Cat S?

Category S, or Cat S, is a classification for cars that have been previously damaged but are repairable. When a car sustains damage, the insurance company evaluates the severity of the damage and decides whether to write it off as a total loss (Category A or B) or categorize it as repairable (Category S or N). Category S, formerly known as Category C, stands for structurally damaged but repairable vehicles.

  • Accidents: The most common reason for a car to be classified as Cat S is an accident. If a car is involved in a collision and sustains damage to its frame, suspension or other structural components, it may be classified as Cat S.
  • Weather damage: Cars damaged by natural disasters such as floods, hurricanes, or hailstorms may also be classified as Cat S.
  • Theft recovery: If a stolen car is recovered after the insurer has paid a claim for theft, it may be classified as Cat S if it cannot be returned to its pre-theft condition without repair.

The damage to a Cat S car is usually more significant than a Cat N car. A Cat N or category N car has suffered non-structural damage, such as cosmetic or electrical damage that does not affect the safety of the vehicle. In contrast, a Cat S car has sustained structural damage, and the insurer may require proof of repairs to make it roadworthy.

If you’re interested in buying a Cat S car, make sure you research the vehicle’s damage history and get it inspected thoroughly by a qualified mechanic. It’s also vital to inform your insurance company that the car you’ve purchased is a Cat S. If you don’t disclose this information, your policy could be null and void, and you may not be covered in the event of an accident.

Category Description
Cat A Scrap only, no salvageable parts.
Cat B Salvageable parts only, the body shell must be destroyed.
Cat S Structurally damaged but repairable.
Cat N Non-structural damage, repairable.

In conclusion, a Cat S car is a repairable vehicle that has sustained structural damage. It can be caused by accidents, natural disasters, or theft recovery. If you’re considering buying a Cat S car, it’s vital to inform your insurance company and get it inspected by a qualified mechanic. Also, make sure to research the car’s damage history thoroughly.

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