Statutory vs repairable write-off: what's the difference?

Statutory write-off

A statutory write-off is a car damaged so badly it generally can't be registered again. It can usually only be used for parts or scrap.

Repairable write-off

A repairable write-off is a car that's been written off but can be repaired. In most states it has to pass an inspection before it can be registered again, and the rules differ between states.

How write-offs are recorded

Written-off cars are generally recorded on a written-off vehicle register. That history stays with the car, and a vehicle history check before buying a used car can show it. Your state's transport agency can explain the local rules.

Why it matters for market value

A car with write-off history is usually worth less than the same car without it. That's why listings that mention damage or write-off history aren't used as comparable cars when checking a market value offer.

Who decides whether it's statutory or repairable?

Generally the insurer or assessor, based on the damage and the rules in your state.

Can I find out if a used car was written off?

Yes. A vehicle history check before buying can show whether a car is recorded as written off. Your state's transport agency can explain how.