I too had my 75 wrote off as a cat C after a woman reversed out of a space into my car. there was a slight dint in the wing and wheel. The bills for repair were obscene that the insurance were quoted (as i had the summary of what was needed). The problem is they have to use new parts and that included a new wheel. These parts are not cheap. we ourselves could do it for £100 total but there price was£900 + and they my car was worth £1500 so i accepted and bout it back for £120.
Took it straight round to the M.O.T centre and back on road next day without any need of a repair.
The guy at MG specialists laughed when i asked him if he could point out the cat C damage as he never noticed anything.
Try and ask them to cat D it instead. It will not make any difference on your insurance but just the value of the car.
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