If the car is NOT written off and is repairable, will it still receive a category flag? Is there any way to avoid this?

So, the situation is this.

The car was sent down to copart who assessed the vehicle and told me it was a "Write off" and will be given a category.

I challenged this as well as their valuation of the car. This was then sent to an insurance handler who called and said weve seen pictures of your car and believe it has been modified, the repercussions of which are that the underwriters may cancel the insurance and not pay out anything as they deem the car to be uninsured.

The repercussions of all this are:

1. The car may be written off

2. The car may receive a category

3. My insurance may be cancelled

All of which will have a huge impact on the saleability of the car and my insurance premiums.

The only way I can see to stop all the above happening is to withdraw the claim, cancel the insurance ( before the underwriters do ), to avoid the write off and any chance of my policy being voided. Then chase the other insurance company for the costs of repair.

I have cancelled my policy this week, so presumably the claim will be null and void as they cant legally cancel my insurance as its already cancelled by me, and the car wont be written off or receive a category as I didnt proceed with the claim?

The other insurance company has admitted liability, my only concern is that they'll try to write it off too. The only thing I can think of to try to negate this as much as possible is to at least get the suspension fixed before I make a claim from the other insurance company to reduce the costs of repair and avoid the write off.. is this advisable/at all possible? And are there any legal implications of doing this If I part repair my car before making a claim in order to avoid a write off or a category?

Thanks in advance

Edited by alfaromeo147 on 22/10/2024 at 18:18