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post #4 of (permalink) Old 24th January 2008
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Yes. Pat is spot on. Don't accept any less than what it would cost them to replace it with an equivalent from a decent forecourt. The insurer is obliged to place you back in a situation at least equal to the one you were in when the accident happened. They will try and pay you less (probably offer peanuts at first just to size you up).

Remember, same year, same mileage, same condition (yours was totally pristine, of course) and same maintenance. If high mileage, check if cambelt is due and add value if yours had already been done but the one for sale hasn't. History is relevant too because of the problems these dci's can give you. So make sure you don't get a lemon. Insurers won't mind offering you a lemon.

Make sure you are happy with their offer before accepting it. You can try and charge them for history checks which can themselves be expensive.

Ehm... did you say your insurer? If you were hit when stationery, why not the other's insurer or is it just that your insurer will get it back from the other one? If you have legal cover, be prepared to take advantage of it if necessary.

Confucius he say "Wise Inuit never eats yellow snow"
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