Usually it is the other way round - insurers want to write off a well trusted banger. The policy holder objects as the market value is materially less that the emotional value to the policyholder. Understandable!
You want them to write off your car so you can claim on your gap insurance which you think will generate you some extra cash. Also understandable, but:
- insurers are obligated only to put you back in the position you were before the accident. They will be unconcerned with your gap insurance policy (unless they insure both policies) and only want to settle any claim at lowest cost in line with the policy.
- so get some hard facts - repair costs, hire car costs, possible (lowish) market value of Focus, value as a write off sold for parts or through the trade. At least you will have a sound base for your arguments. Make sure their costing is complete as best you can - eg: loss of earnings/time, that the repair is being done 100% correctly (eg: no s/h parts) etc.
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