Hi,

I was hit by an uninsured driver and my car was written off.

The uninsured/unlicenced party overtook on a bend, crashed into the car I was following, then spun into me.

My car was extensively damaged, and also caught fire resulting in a total loss.

No serious injuries to anyone (amazingly) but plenty of cuts & bruises, and I lost quite a vew valuable possessions in the fire.

My car was a 9 month old Aveo 1.2 S A/C Admiral insurance don't offer a new replacement during the first 12 months after registration, and added insult to injury by offering a £4,500 settlement - minus my £500 excess.

I've rejected that offer, but would appreciate some advice about the best way forward with all this.

A perusal of a leading car sales website showed 25 1.2 Aveos that were less than 12 months old. the average price was £6,800.

Recovering uninsured losses appears to be a non-starter. The uninsured driver has no resources, and would probably return to his home country if sued.

I have a fully comp. policy with legal assistance & personal injury cover . So far, Admiral have been reluctant to trigger those aspects of my policy. They don't actually 'refuse' - they are just terminally vague about it, and promise to set things in motion, but don't do so.

Finally, the car is on finance with a settlement of £4,100. If Admiral can't be persuaded to increase their offer I will end up with zero, and will even have to pay the additional £100 to clear the finance.

All this, for something that was absolutely not my fault.

This all seems very unfair.

Edited by Taxedout on 06/03/2011 at 14:57