My stepson was recently involved in an accident. A car hit him on a roundabout and damaged the front bumper and wing. The other party is saying that they were stationary and that my stepson hit them. The insurance company are offering a 50-50 settlement. His car is worth about £3k (or less). Could someone explain how all this works please? If the car is written off, what value would he receive? The market value of the car or 50% of it? I believed that 50-50 meant that his insurance company would give 50% of the value of the repair and he'd have to pay the remainder and the excess. Many thanks in advance for your thoughts.