The missus hit a small deer with the car last night. Thankfully she was ok, but one dead bambi and a cracked car.
She drove the short distance home but car has a burst radiator, cracked bumper and valance and a couple of minor bent bits. Overall minor damage.
Repair shop down the road reckons it will be 700 to 1000 pounds to repair, car is worth I reckon about 1500. I have protected no claims bonus and a voluntary excess of 400.
Insurance company doesnt want to bother with an estimate and is sending round an assessor next week to look over the car.
My gut feel is they will want to write it off, so I can feel a wrangle over car value coming up.
I could probably patch it up and repair it pretty quick for a few hundred quid and not bother with a claim, or carry on and risk increasing my premiums for the next few years.
It will depend on what the assesor says I guess?