Hi all,

My daughter and I were involved in a collision with a Spanish lorry on the M40 earlier this month (August). My insurance company have said that despite exchanging insurance details the Spanish lorry did not have a UK based insurance company to act on their behalf so need to go to the Motor Insurance Bureau.

As no witnesses came forward, and unless they accept it was their fault,
I was unable to hire a car at their expense, so I had to buy a second hand car to get me home.

My insurers say that the car is a write off although the engine wasn't damaged only the near side doors and wing plus the wishbone was bent, he veered into me and pushed me sideways down the motorway!

The assessor has made an offer, but what can I base this figure on to see if it's reasonable? Is it trade price, private sale price, auction price or part ex?

Also as I had to purchase another car at short notice I was unable to spend time to shop arround and do due diligence, in fact if there was ever a way not to buy a used car it was how I did it.

Also if I but the car back off the insurance company for 9% of their offer would I be able to sell it on to a company who specialise in Category C or D write offs?

Thanks,

PS: The car in question was an S reg Golf GTi T 20 valve 150bhp 5 door hatchback with leather recaro seats, if anyone is interested lol.

Edited by merlin34 on 28/08/2010 at 06:56