Hello everyone,
Last week my wife's Volvo C70 was hit from behind by another motorist whilst stationary. The lady got out and admitted fault immediately, and we also have dashcam footage, so liability is not a problem. I have taken the C70 to our local Volvo dealership and the only damage is a small scratch above the rear exhaust, nothing structural and no other damage.
Her insurance company however seem to be being very unhelpful. They have decided that my wife's car is damaged beyond uneconomical repair, without even seeing it, and have offered us 2 options:
A/ They take our car and give us £1190
Or
B/ They give us £1007 and declare the car a total loss.
I have been told that "total loss" and "written off" are fully interchangeable in the insurance world, and if we go with option B the car would have a Cat N placed on it, is this correct?
I also find it hard to belive a respray of the rear bumper will cost 70% of the cars value!
My wife has also been asked for a copy of the V5, which seems strange, is this normal?
My wife has asked for a cash in lieu settlement and the insurance company said they will consider it only if she goes and gets estimates, surely this is there job.
We are pulling our hair out about this so any help will be greatly appreciated.