Category N is a term used by car insurance companies to describe "non-structural" damage to a vehicle. This means that the cars structural frame or chassis has not been damaged in an accident, but other parts of the car may have been damaged. Cars in this category can be repaired and put back into use, and the cost of the repair will not exceed the car's market value. It is important to note that the cost of the damage repair itself does not have to be more than the car is worth for it to be written off as a Category N car. Insurance firms have to factor in things like transport, storage, and administration costs when determining if they will have a car repaired or replaced.