Its called sods law mate

!!, you get your car looking sweet and then some bu88er rams it, i know from experience and im going through the same thing now, my neighbour backed off her drive straight into my rear wing, she has admitted liability and we're both fully comp so i thopuight it would be straight forward.

.

.

.

.

.

.

.

.WRONG!!!!, BUT.

.

.

.

and this is the big but, when i went along to their appointed repair shop cos i couldnt find anyone in my area i could trust to get my car back to the way it was, they overpriced the repair so much

( by almost

£1,100 overprice compared to a bodyshop near me which i dont like that much

) her insurance company have told me my car is a total loss

!! and offered me my car back and

£700 cos thats all they think my car is worth

!!

( take a look at my profile pic

?? is this a

£700 car

?

.

.

Noooo

), so ive sent them all sorts of bills

, valuation cert, clippings, pics of the car etc to substanciate my claim for a higher payout, fortunatly Paul woods is doing the repair for me but it still means i have to get the car to him up north, and to rub salt into the wound, my neighbour had her car repaired and back on her drive within 10 days, now thats a kick in the balls

!!!!, so my advice is, if you can afford to get it repaired yourself go that route, cos if the insurance company get involved they may decide to write your car off then you will have to go through all the hassle that im going through now, but you have to make up your mind quickly what route your going to take because if your going to claim on your insurance your gonna have to explain why you didnt inform them earlier of the time of the accident, and if you dont claim i also agree that you have to inform them cos if they counter claim and you didnt inform your insurance company you may find you will end up paying for their repairs too, just tell them you were away at relatives over the christmas period and only noticed when you returned, sorry this is a bit long winded i could probably say this better than i write it, but im so angry at the way we all get treated by insurance company's its no small wonder people drive around without it, hope you get sorted soon, all the best, Jinxy