Thank you for your response. They took the car away today and informed me that the car is not a write off and will be repaired. I am still confused about my initial question that whether I am entitled to cash in lieu settlement or not. Can they insist on repairing the car and if they do can I go to the financial ombudsman to complain? I just want to know what my rights are so if they refuse to offer cash in lieu settlement, is it worth fighting for?

Eeek!!! I have already mentioned cash in lieu settlement to my insurance company in multiple calls. I understand it can raise suspicions but it wasn't a crash for cash and the only thing I am trying to do is get the best available option in my situation of course only if the best option is legal and within my rights. I am not intrested in anything illegal regardless of the amount of money involved. I appreciate your warning and advice as further complication in the claims process can add to the stress I am already going through. Thanks

Thank you for your response. Shall I just let the insurance company garage take the car, assess the damage and provide quotation before carrying out the repairs? Or shall I get a private quote before they take the car on next wednesday? can insurance company insist me to get the car repaired instead of offering cash in lieu settlement in both of the options mentioned above? Can I say its my right to have cash in lieu settlement or is it their discretion?

Hi all Unfortunately, last sunday I had my first ever car accident and I accept that it was my fault. My car sustained some damage on the front i.e. bonnet, bumper and atleast a headlight. I have claimed on my policy. The insurance company have arranged their car repair partners to pick up the car for repairs. I wonder if I can get advice for following questions please?. 1. How do I know if the insurance company will repair the car or write it off? 2. If the insurance company decides to repair the car, do I have the right to ask for the cash in lieu settlement? I would prefer cash in lieu settlement so either I can just sell my car and top up the settlement cash with my own money and get a new car. Alternatively, i can get it repaired at a lower cost and then keep the remainder of the settlement money for next years increased insurance premium. Thanks