I have been involved in a non-fault crash where the third party has driven into me at maybe 35 – 40mph, when I was stationary in a queue of morning traffic. The police were involved and she is being prosecuted for driving without due care and attention. The third party and her insurers have admitted liability and I have gone with a claims specialist to claim damages to my car. The claims specialist’s engineer has come out and looked at my car on my drive and declared it a Class B write-off (bodyshell must be crushed, car must never reappear on the road, but can be broken for spare parts plus any residual scrap metal). I am not an engineer, but the damage appears to be back bumper and crunched boot panel underneath. It drives fine and I have been under my car and all else looks fine. No twisting and no other damage. My main problem is that they have valued the car at £100. I have argued that I have just spent £300 to get it through its MoT to have 12 months motoring with a car I know and trust as a sound reliable car and they asked me to send info of cars on market to prove that you can not buy a Mondeo of similar age with 12 months mot for £100. I have done this, and they will not budge on price. The cheapest car of P reg and older with 12 months mot was around the £450 mark, and the cheapest car in the breakers yard with no mot and in a worse state than mine was £250.
Now I am stuck. They take the hire car off me on Monday and I have no car or money to get a car and will not be able to get to work.