Daughter was parked up outside her house at Uni sainsbury delivery fan smashed into side of her car taking wing mirror and fitting off and scraping side of her door witnesses saw it. she contacted sainsbury they accepted responsibility, asked to take photos, said the would sort it sent her an Hire car then today she got a letter stating Good afternoon, We refer to the above incident and attached total loss report from our accident management company xxxxxx We shall now look to issue a payment in the sum of £2xxx which represents the Pre-Accident Value (PAV) of the vehicle (£3xxx less the value of the salvage £700 As our client have no legal or financial interest in your vehicle this remains your property to deal with as you see fit. If the vehicle is currently in the possession of our accident management company we have instructed them to return this to you as soon as possible. Please ensure that you are aware of the legal status of the salvage of the vehicle, should you wish to return it to the road. Category N - These vehicles have no structural damage and can be repaired, but the self-insured owner or insurer has decided not to repair the vehicle. Even though the car might not have structural damage, it may still need work on safety critical parts, such as steering, brakes and suspension, so buyers should be aware of any repairs carried out. What is salvage, they never took the car or even came out to look at it. daughter still has it. if she wanted to repare the car and drive or sell it what should she do. is she still insured for it. she has never contacted her insurance company or given sainsbury her details. is this even owt to do with insurance?
Salvage is what they feel the knackered car is worth. So what they're saying is that because they've generously decided you can keep the scrap car they are then deducting the value of said car from your payout. In other words you are getting 2500 plus a 700 quid piece of scrap metal to make up the total value of 3200 that they think the car is worth when it's actually working (figures made up) That's fairly normal when you CHOOSE to retain the written off car but it seems more odd that they are actually forcing you to keep it by saying they have no interest in it. That's the bit you need to challenge
You wouldn't get 3200. You'd get 2500 because you've also been given the car. So you could do that yes but it would be less cash than you think because they charge you to keep the car
Isn't the salvage amount the cost they are charging her to have the car. They saying it's worth £3+ before the accident. They are giving her that amount minus the salvage. I believe I could have it fixed for less than £500. If she does that what next? Can she just sell it as a cat 4. Can she still drive it? She has/had about 2 months left on her insurance and was hoping to get a new car before then. does she have to inform her insurance now or will they already know?
Who is the letter actually from? It reads like it’s from a third party on behalf of Sainsburys? If it’s from an Insurance company it’s likely it’s already registered or in the process of being registered as a Cat N.
from these https://www.soppandsopp.co.uk/ shes going to speak to them tomorrow and get some more info
I think she needs to contact her insurance company to deal with it. I doubt she'd get £700 scrap value.