internet scaremongering at its best , Catagory D is likely uneconomical repair, my LCR was subject to a light front end damage back in 2013 when its value was around £20k and the car being only 2yr old, it needed a new bumper ,xenon headlight, wing mirror and a wheel. The lead time on parts/price/hire car your looking at a £4K-£5k repair bill. Easier for them t cut there losses and pay up especially in today's world of GAP insurance covering any shortfall
atleast I know it's had a bump, and paid less accordingly
Some folk out there have accidents and don't declare them, someone on face book with a bent S3 recently plotting to fix it up and flog it on at full price now this is what you need to look out for.
I'd buy cat d again no problem, to my knowledge cat d has never needed to be inspected by vosa,
Some might of been stolen recovered but the insurance has already paid out it's not as sinister as the scarmongerers would have you believe