Hope the question is straight forward.
In recent inclement weather I hit a patch of black ice on a moorland road and ended up in a very wet bog
I called my recovery firm but was told 'accident not breakdown' so reluctantly informed my insurance company, who pulled the vehicle out, trucked to assessors and have now decided the car is uneconomical to repair.g
Obvious damage is as follows:
At the time of recovery I turned on the engine and gingery reversed it towards the truck as the recovery guy operated the winch. The exhaust was blowing (possibly from the back box being damaged on the moorland grass/a stone)
, the front bumper has pulled slightly from the passenger wing (and is showing a couple of tabs),
the front passenger plastic wheel arch came away in two pieces and there was a small hole in the back bumper presumably from the same stone that damaged the exhaust.
Plus cosmetic scuffs to paint work from moor grass...but car had 12 years worth of scuffs already.
Insurance company have offered payout of approx £1700 as a right off or my car back and £1300 (£1700 minus salvage cost). I've never had an accident so never had to mak a claim
The insurance company sent me a series of photos to assess for damage but I have not received or been provided with any detailed damages report from the damage assessors. Am I supposed to receive a detailed report on damage/likely cost of repair?
I'd like my Zafira back as it has been a reliable vehicle and was informed by my insurer that I could simply make an appointment to collect my vehicle from the assessors compound, inform my insurers that I was in possession of my car and then I would be still be insured to drive it home.
However with no detailed information on the damage, other than turning the key and setting off with my fingers crossed, how do I know it's safe to drive away?
Is this how things work?
Having never had an accident like this it all seems a bit amateur hour!
Any replies would be much appreciated.