Cat D write off - can I repair car and keep it?

[Romily]

I recently had a car accident that was the others party fault - somebody drove into my back whilst I was stationery. Other parties insurance accepted full liability. My insurance passed me on to a claims management agency who have provided me with a hire car and got the damage of my car assessed.

 

Turns out my car is a category D write off. I have been told I will get a settlement cheque from the others party insurance and then have to hand the hire car back. I have also been assured the car will stay in my possession and I can get it repaired or salvaged should I wish to do so.

 

I can't find confirmation anywhere that the car definitely stays in my possession, but instead read a lot online about having to buy the car back - does this only apply when you claim on your own insurance?

 

And as far as I can see a Cat D does not require MOT retesting and would therefore be legal to drive.

 

Would my own insurance still be valid (third party only) as I didn't claim on it, or am I likely to run into problem?

 

I just want to make sure I am not missing something as my plan is to accept the settlement and get the repairs done cheap 9it's an old car and I plan to replace it anyway in 2 years).

 

Thanks for any advise!!!

[unclebulgaria67]

Group D usually means that the vehicle has suffered light damage and therefore it not notified to DVLA, as a car that needs re-testing.

 

The car is yours until you sign it over to the Insurance company paying the claim. They will deduct the salvage value of the car from the claim. Make sure that you are happy with the amount that they are deducting.