Likelihood of car being written off due to third party claim

[macky28]

I had a side to side collision, where each car got a bump and graze with both cars still drivable. I am not going to make a claim against my car insurance, but suspect the third party will make a claim, and say that it was 100% my fault.

I’m afraid if my insurers come to inspect my car they may try to write it off as a category S. I do not think the damage is significant, but there is a small dent in the fender and the gap between the fender and the hood is very slightly larger than the other side. I have read accounts of cars being written-off/put in category S for seemingly minor things, so am a bit worried.

I have the following questions I was wondering someone with more experience could advise on?

1. Under what circumstances would they have to inspect my car or a claim made by a third party?
2. If I admit 100% liability to my insurer, will they just pay the third party out for repairs, and skip having all the cars inspected, etc?
3. If I do not raise an insurance claim, can mine or their insurers re-categorise my car based on photos/inspections when investigating the damage to the third party car?

Thanks in advance, appreciate any help!

Is this in the UK?

Hi, thanks for your message. Yes it is the UK, sorry probably should has specified that

I think highly unlikely to be inspected at all.

They're written off when the cost of repairs is greater than the car's value and you're not claiming.

I wouldn't worry.