A friend passed his driving test and purchased his first car six months ago. A few days ago he was stationary at a road junction waiting to join the main road. While waiting, another car drove into the back of him - the driver admitted pressing the accelerator instead of the brake and took full responsibility for the accident. My friend reported the matter to his insurance company who say they will write off the car as the cost of repairs exceed the car's value. They will also deduct the policy excess which means the lad will be left with insufficient money to replace the vehicle which had passed its MoT that morning without any problem. It will also mean for him a serious financial loss which he cannot afford as a student. Can you help?