My wife was recently involved in a road accident, which wasn’t her fault. The other party accepted liability at the scene and offered £800 to fix the car. However, after speaking to a mechanic, we found that the repairs would cost a lot more than £800.

We have spoken to the other party and been told they will not pay more than £800, because it exceeds the value of our car. We have agreed to take the money, but weeks have passed and we’ve received nothing. Can we decline the money and go through her insurance company?