Hi all, a 3rd party recently reversed into my wife's car and their insurance has accepted responsibility. The damage is minor, but the car is one of the rare paints MG Rover offered through their Monogram range, so not only is the paint expensive, its also hard to match to the existing car, so repair cost is high.

Now, the insurance company have said that my valuation of the car is far above theirs (not surprising, they didn't take the rarity or the desirability of the special nature of the paint into account - cars painted in the same paint can attract £1.5k - £2K above book price) and they've said they're going to get an independent assessor to value the car.

I've just read that an assessor's report is binding on both sides, which needless to say worries me that they'll also ignore the replacement cost and just value it as a standard car.

But is the binding nature accurate as they chose to go the assessor route and at no time have they said their valuation is binding.

I just want to know if I can challenge the appointment of the assessor if they've gone down that route without telling me its binding (assuming it is).

TIA

Steve.

Edited by Steve Childs on 22/03/2019 at 09:50