{"id":9621,"date":"2025-09-02T12:00:21","date_gmt":"2025-09-02T11:00:21","guid":{"rendered":"https:\/\/www.scrapcarnetwork.org\/news\/?p=9621"},"modified":"2026-03-26T10:34:38","modified_gmt":"2026-03-26T10:34:38","slug":"how-to-claim-insurance-when-scrapping-a-damaged-car","status":"publish","type":"post","link":"https:\/\/www.scrapcarnetwork.org\/news\/how-to-claim-insurance-when-scrapping-a-damaged-car\/","title":{"rendered":"How to Claim Insurance When Scrapping a Damaged Car"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Life on the road has its surprises. One day your car is ticking along fine, the next it is sitting on the hard shoulder after a crash or mechanical failure. When the damage is serious, scrapping the car often makes the most sense. But what about your insurance? Sorting out a car insurance claim while arranging for scrapping can feel like a juggling act.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Handled properly, the two go hand in hand. With the right preparation, you can claim fairly, close off your insurance, and make sure your damaged car is recycled in a responsible way.<\/span><\/p>\n<h2><b>Why Insurance Coverage Matters When Your Car Is Totalled<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Accidents happen in an instant. If the repair bill costs more than the car is worth, the insurer usually calls it a total loss. That means it is no longer economical to repair.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At this point, you make a <\/span><b>car insurance claim<\/b><span style=\"font-weight: 400;\">. The payout is based on the market value before the accident. That money can help with a replacement or cover outstanding finance. Without insurance, the financial hit could be much heavier.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Scrapping a damaged car is often the cleanest route. It can feel like the end of an era if you have had the car for years, but a smooth process helps you move forward.<\/span><\/p>\n<h2><b>A Simple Overview of the Scrapping Process<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In the UK, scrapping must go through an Authorised Treatment Facility, known as an ATF. These centres are licensed to de-pollute and recycle cars safely. It is the legal and environmentally responsible route.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is how the process works in simple stages:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accept a total loss payout from your insurer, or arrange to keep the car and scrap it yourself.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose a compliant scrap service.<\/span><a href=\"https:\/\/www.scrapcarnetwork.org\/?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">Scrap Car Network makes it easy to compare quotes and arrange collection<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Book a collection or drop off the car at a licensed ATF.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complete the DVLA paperwork with your V5C logbook.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receive a Certificate of Destruction as proof that the car has been scrapped legally.<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For a clear breakdown, see our<\/span><a href=\"https:\/\/www.scrapcarnetwork.org\/news\/how-to-tell-the-dvla-when-you-sell-or-scrap-your-car?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">guide on how to tell the DVLA when you sell or scrap your car<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Preparing for Your Car Insurance Claim<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Accidents are stressful. The best way to stay in control is to treat the claim like a step by step checklist.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Document everything<\/b><span style=\"font-weight: 400;\">: Take clear photos of the damage, both close up and wide shots.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Report promptly<\/b><span style=\"font-weight: 400;\">: Most insurers require notification within 24 to 48 hours.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Review your policy<\/b><span style=\"font-weight: 400;\">: Know your excess and whether you are entitled to a courtesy car.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Organise your files<\/b><span style=\"font-weight: 400;\">: Keep your logbook, insurance policy, MOT certificate, and ID together.<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">I once helped a neighbour whose car was written off after a late night crash. He was overwhelmed until we sat down, spread out the paperwork like tools on a workbench, and worked through each item in turn. The claim went through smoothly, and he had peace of mind knowing nothing had been missed.<\/span><\/p>\n<h2><b>Why Some Cars End Up Scrapped<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Not every damaged car heads to the scrapyard, but many do for practical reasons:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Repairs cost too much<\/b><span style=\"font-weight: 400;\"> compared to the car\u2019s value.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Long term safety risks<\/b><span style=\"font-weight: 400;\"> from hidden structural damage.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ongoing reliability issues<\/b><span style=\"font-weight: 400;\"> that make future repairs costly.<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Choosing <\/span><b>vehicle recycling<\/b><span style=\"font-weight: 400;\"> means you cut your losses and also do your bit for the environment.<\/span><\/p>\n<h2><b>What Happens When an Insurer Writes Off Your Car<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Insurers use four main categories to classify write offs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Category A<\/b><span style=\"font-weight: 400;\">: Must be crushed. No parts can be reused.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Category B<\/b><span style=\"font-weight: 400;\">: Body shell must be destroyed, some parts may be salvaged.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Category S<\/b><span style=\"font-weight: 400;\">: Structural damage that can be repaired.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Category N<\/b><span style=\"font-weight: 400;\">: Non structural damage such as electrics or body panels.<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can accept a full payout and hand ownership to the insurer, or negotiate to keep the car and arrange scrapping yourself through a licensed ATF. For more details, see the DVLA guidance on scrapped and written off vehicles.<\/span><\/p>\n<h2><b>Negotiating a Fair Settlement<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The first offer from an insurer is not always the best. You can often negotiate by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Asking the insurer to show how they calculated the value.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing adverts of similar cars for comparison.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supplying receipts for recent upgrades such as new tyres or a service.<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Think of it like pricing up a used tool. If you know what others are selling for, you can argue your case fairly.<\/span><\/p>\n<h2><b>Repairs or Scrapping: Making the Right Call<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sometimes repairing makes sense, especially for minor dents or if the car holds sentimental value. But if the engine or electrics are ruined, scrapping is often cheaper in the long run.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">I once knew a driver who spent months chasing faults after a crash repair. Each fix led to another bill. In the end, he admitted scrapping and starting fresh would have saved him a fortune.<\/span><\/p>\n<h2><b>Using a Trusted Scrap Service<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A legitimate scrap service ensures everything is handled properly. Here is how we help at Scrap Car Network:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/scrap-car?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Get an instant quote to scrap any car<\/span><\/a>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to a nationwide network of licensed ATFs<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Free collection and full help with paperwork<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clear and environmentally responsible recycling<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you need advice,<\/span><a href=\"https:\/\/www.scrapcarnetwork.org\/contact?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">feel free to contact us<\/span><\/a><span style=\"font-weight: 400;\"> and our team will be glad to help.<\/span><\/p>\n<h2><b>DVLA Paperwork: What to Know<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you keep the car and handle scrapping yourself:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complete the correct V5C section for notifying scrapping.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel your road tax on the DVLA website.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep your Certificate of Destruction as proof.<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Missing these steps can lead to fines or unexpected charges. Our<\/span><a href=\"https:\/\/www.scrapcarnetwork.org\/news\/tell-dvla-scrapped-car?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">legal guide on DVLA notifications for scrapped cars<\/span><\/a><span style=\"font-weight: 400;\"> explains it in detail.<\/span><\/p>\n<h2><b>A Practical Approach<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Treating the process like a work checklist helps. You need to be:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Informed<\/b><span style=\"font-weight: 400;\"> about your rights.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Organised<\/b><span style=\"font-weight: 400;\"> with all documentation.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Timely<\/b><span style=\"font-weight: 400;\"> in reporting to your insurer and the DVLA.<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compliant<\/b><span style=\"font-weight: 400;\"> by using licensed ATFs.<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This method keeps stress low and avoids problems down the line.<\/span><\/p>\n<h2><b>Regional Scrapping Services Available<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">We provide services across the UK. Examples include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/scrap-car-areas\/preston?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Scrap car services in Preston<\/span><\/a>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/scrap-car-areas\/scotland?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Specialist coverage in Scotland<\/span><\/a>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/scrap-car-areas\/newcastle-upon-tyne?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Support in Newcastle<\/span><\/a>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/scrap-car-areas\/london?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Scrapping services across London<\/span><\/a>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Wherever you are, we connect you with a nearby ATF for collection or drop off.<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<p><b>Do I lose my no claims bonus if my car is written off?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> It depends on your policy. Some insurers reduce your bonus unless the accident was not your fault.<\/span><\/p>\n<p><b>Can I remove parts before scrapping?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Yes, if you still legally own the car. Remember that it may lower the scrap value.<\/span><\/p>\n<p><b>What if I still owe finance?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Insurers usually pay the finance company first. You may need to cover any shortfall.<\/span><\/p>\n<p><b>Is it worth repairing a Category S or N vehicle?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Sometimes, but many drivers avoid the risk of future issues and choose to scrap instead.<\/span><\/p>\n<p><b>Where can I learn more?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/scrap-car?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">How the process works<\/span><\/a>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/news\/scrap-car-prices-guide-uk?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Scrap car prices guide<\/span><\/a>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customer reviews on our website<\/span>&nbsp;<\/li>\n<\/ul>\n<h2><b>Additional Services Worth Exploring<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you are managing a damaged vehicle, you might also look at:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/scrap-my-van?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Scrap your van with our eco friendly service<\/span><\/a>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customer reviews from past clients<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.scrapcarnetwork.org\/news\/scrap-car-prices-guide-uk?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\">Our scrap price guide<\/span><\/a><span style=\"font-weight: 400;\"> to check vehicle value<\/span>&nbsp;<\/li>\n<\/ul>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Scrapping a damaged car while claiming insurance can feel complicated, but it does not have to be. With preparation, good records, and a trusted partner like Scrap Car Network, you can manage both with ease.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think of it like taking apart a complicated engine. Work step by step, keep your tools in order, and follow the manual. Before you know it, the job is done right.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are ready to begin, you can<\/span><a href=\"https:\/\/www.scrapcarnetwork.org\/?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">get started with a free quote<\/span><\/a><span style=\"font-weight: 400;\"> or<\/span><a href=\"https:\/\/www.scrapcarnetwork.org\/contact?utm_source=chatgpt.com\"> <span style=\"font-weight: 400;\">speak with our team directly<\/span><\/a><span style=\"font-weight: 400;\">. We will make sure your car is scrapped legally and responsibly, and that you can focus on your next set of wheels.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Life on the road has its surprises. One day your car is ticking along fine, the next it is sitting on the hard shoulder after a crash or mechanical failure. When the damage is serious, scrapping the car often makes the most sense. But what about your insurance? Sorting out a car insurance claim while [&hellip;]<\/p>\n","protected":false},"author":117,"featured_media":9625,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Total loss doesn&#039;t mean you lose out financially. Navigate the insurance claims process for damaged vehicles and secure fair settlements before scrapping.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scrapcarnetwork.org\/news\/how-to-claim-insurance-when-scrapping-a-damaged-car\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claim Insurance When Scrapping a Damaged Car\" \/>\n<meta property=\"og:description\" content=\"Total loss doesn&#039;t mean you lose out financially. Navigate the insurance claims process for damaged vehicles and secure fair settlements before scrapping.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.scrapcarnetwork.org\/news\/how-to-claim-insurance-when-scrapping-a-damaged-car\/\" \/>\n<meta property=\"og:site_name\" content=\"Scrap Car Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-02T11:00:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-26T10:34:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.scrapcarnetwork.org\/news\/wp-content\/uploads\/2025\/09\/84.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"819\" \/>\n\t<meta property=\"og:image:height\" content=\"819\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ben Lowe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/#organization\",\"name\":\"Scrap Car Network\",\"url\":\"https:\/\/www.scrapcarnetwork.org\/news\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/#logo\",\"inLanguage\":\"en-GB\",\"url\":\"https:\/\/www.scrapcarnetwork.org\/news\/wp-content\/uploads\/2019\/10\/scrapcarnetwork.png\",\"contentUrl\":\"https:\/\/www.scrapcarnetwork.org\/news\/wp-content\/uploads\/2019\/10\/scrapcarnetwork.png\",\"width\":368,\"height\":65,\"caption\":\"Scrap Car Network\"},\"image\":{\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/#website\",\"url\":\"https:\/\/www.scrapcarnetwork.org\/news\/\",\"name\":\"Scrap Car Network\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.scrapcarnetwork.org\/news\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/how-to-claim-insurance-when-scrapping-a-damaged-car\/#primaryimage\",\"inLanguage\":\"en-GB\",\"url\":\"https:\/\/www.scrapcarnetwork.org\/news\/wp-content\/uploads\/2025\/09\/84.jpg\",\"contentUrl\":\"https:\/\/www.scrapcarnetwork.org\/news\/wp-content\/uploads\/2025\/09\/84.jpg\",\"width\":819,\"height\":819},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/how-to-claim-insurance-when-scrapping-a-damaged-car\/#webpage\",\"url\":\"https:\/\/www.scrapcarnetwork.org\/news\/how-to-claim-insurance-when-scrapping-a-damaged-car\/\",\"name\":\"Claim Insurance When Scrapping a Damaged Car\",\"isPartOf\":{\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.scrapcarnetwork.org\/news\/how-to-claim-insurance-when-scrapping-a-damaged-car\/#primaryimage\"},\"datePublished\":\"2025-09-02T11:00:21+00:00\",\"dateModified\":\"2026-03-26T10:34:38+00:00\",\"description\":\"Total loss doesn't mean you lose out financially. 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