Can I avoid having my car written off?

I have had since new a much-cherished top of the range Volvo V70 Cross Country, first registered January 1999. The car has covered 208,000 miles but looks fantastic. However I was recently involved in an accident where the third party accepted 100 per cent liability, but the damage has been estimated at £2000 and as this represents more than 63 per cent value of the vehicle, the insurance company has declined to proceed and have the vehicle repaired. My insurance is fully comprehensive with maximum protected no-claims discount. What are my rights?

Asked on 14 April 2012 by MF, Glossop

Answered by Honest John
It isn't fair, but you are only entitled to be put back into the position you were in before the damage was done, and this can be by compensating you with 'market value' for the car. You may be able to negotiate a part payment, keep the car and have it repaired yourself.
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