This insurance bollocks really pisses me off.
I had a nice little car, which happened to be yellow, which I really liked. I chose it over lots of red and green ones of the same model, ‘cos they were ten-a-penny.
Idiot woman pulled out in front of me – wrote my car off. She admited full liability. The settlement they offered was for a “similar” car ie red or green. These were selling for a good grand less than my one had been worth.
In the end I couldn’t replace the car with the money they gave me with one I liked so I bought something completely different and spent the difference on other stuff.
The stupid thing is, her insurance company took ages to have my car assesed and happily paid for me to drive around in a hire car for 8 or 9 weeks, including a 2000 mile trip abroad. the hire bill was around 2 grand.
If they’d offered me the original amount, plus half what they paid in the hire charge, I’d have been happy.
muppets.