Can I insist on a replacement part rather than a repair after my Ford Galaxy was reversed into?

My parked 5-year-old Ford Galaxy was reversed into causing damage to the bumper, hatch and tow bar. The driver's insurance assessor has inspected my vehicle and is insisting the hatch is repaired. I don't think this is fair as I feel it will depreciate the value of my vehicle. His reply was 'claim off your own insurance if you want a new one'! Do I have a legal right to insist on the hatch being replaced or will I have to settle for a repair?

Asked on 24 June 2010 by mrsirishjohn

Answered by Honest John

Yes.

Tags: legal advice insurance claims accident repairs

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