Glad to hear you're OK !
It's a good job you're not a perpetual speeder - God only knows what the result might have been at 90 or 100 mph ?
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A Guiness Book of Records entry, in a Citroen AX, I would have thought!!
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Sorry to hear of your mother, and the accident involving her car.
I think I'd probably claim if it's fully comp. The insurance company might pay out £800, enough to get two of them at an auction, but only one at a dealer's, if the car was in decent condition.
I don't know how old you are, or what your driving history is like, but don't forget that even if you don't claim you are supposed to declare an incident like this on a proposal form. Given that it would be a non-fault claim, and you'd keep your existing NCD, the increase in premium is likely to be very small indeed compared to the payout. (My father's car was written off by someone hitting him from behind; he kept his NCD and paid an extra tenner a year for the privilege over three years).
Also, if you are a trustee in your mother's estate or anything like that, you might actually be obliged to get the most value from her property so that it can be distributed to other benficiaries under the will. I'm not saying that your family will want to sue you, of course, but the issue could arise in some circumstances.
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Sounds like it was an extremely frightening experience. Although it was a freak incident, you've had a bit of good fortune to not be injured yourself or have been connected to injuring or killing someone else, through no fault of your own.
My condolences on your loss.
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I would just like to add my own condolences to you too, Richard, at this terrible time.
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