Someone hit my Mercedes-Benz CLK in a car park - how do I stop the insurer writing off my car if the repair costs a lot?

While I was at work someone hit my car in the car park. They've assumed liability and his insurance already contacted me. I have also contacted my insurance company in the meantime and started proceedings with them, however TP insurance contacted me to deal with them directly and even offered a garage of choice to repair. So far, so good. However, my car is a Mercedes-Benz CLK Avantgarde with 110,000 miles and some rust on the rear arch (which, funnily enough I meant to fix this weekend). I'm afraid the insurance will deem the cost of repair higher than the cost of the car and write it off. I went to a garage close to my house and they said to fix it would cost £1000, however in another garage I believe it might be about £750/£800. I've owned this car for six years, I religiously service it myself every 10,000 miles and have replaced many expensive parts over the years, most recently a full exhaust system and a full gear box service. The engine is an absolute gem.

The last thing I want is a write off as I feel the money they will offer me will not permit me to buy another one in same condition. I'm a bit confused and not very wise with insurance matters. What should I do to get the best deal possible? I really like my car and all I want is to have it fixed.

Asked on 13 July 2017 by Nelson Adaes

Answered by Honest John
It comes down to the value of your car, as long as the repair cost is less than the market value, then you can insist on the car being repaired or ask for a cash in lieu sum for the full cost of repair. Your legal entitlements are here: www.honestjohn.co.uk/insurance/coles-v-hetherton-w.../

Whoever you deal with, be it the third party insurer or your own, tell them not to write off your vehicle.
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