Undue courtesy?

My experiences regarding courtesy cars have always been where the car was provided by the accident repair company. My 87-year-old sister has recently had an incident where a van has shunted her parked car and damaged front and rear. Everyone, including the police, has been helpful but the insurance company has arranged for a courtesy car company to contact her before she knows where her car is going. In addition, as her car is an S reg Rover 400, I think that there is every possibility that it may be written off. I recall reading letters in your columns regarding some type of scam with courtesy cars. Is there anything that my sister should be wary of or avoid?

Asked on 30 January 2010 by D.M., Dronfield Woodhouse

Answered by Honest John
At 87, insurance may preclude the offer of a courtesy car. But if it is made they will offer her an 'equivalent' new car, probably at an excessive daily rental rate, while they take a long time sorting out whether to repair or write off her car. She will have to sign something that makes her liable for the rental if the other party's insurer refuses to pay. Actually, an S reg Rover 400 has virtually no value, maybe £500, so it should be written off straight away, with no delay.
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Rover's version of the Honda Civic. Quite well equipped and a reasonable drive in its day.