Insurance Nightmare Write Off or Repair companies disagreeing

cathpalmer

Hi
Any help would be great!
My neighbour reversed into my car 3 weeks ago and caused damage to the bonnet, bumper, number plate etc. Although the damage was not too bad my car value is only £1750 so unlikely to be repaired by insurers. She admitted full liability from the start.
I phoned her insurers and they told me to phone my own so I did. They told me I had to pay my £350 excess if I wanted to deal with them, or I could go through to a Claims Management Company they use and not pay my excess instead. We chose this route so as not to have to pay any money.
They sent my car to 2 different garages who both declared my car uneconomical to repair (one quote being over £1500 and the other £1795). At this point my Claims Management company said I could no longer deal with them as the car was a write off and referred me back through to my underwriter.
My underwriter then said that the car needed to go to another garage for assessment as they don't recognise the original garage under their list of approved garages. So after a week they sent it to a Salvage Yard and got an engineer to send pictures to the insurers. The company made a decision on sight of the pictures (without viewing my car themselves) and have now said that they think it is repairable because in their words "all it needs is a new bonnet". We told them that this is not the case as the bumper is damaged too.
They now want to send it to a 4th garage to assess it now.
Meanwhile, we have had a courtesy car (vauxhall insignia estate 2011) all this time and my neighbours insurers are not very happy that the claim is escalating in value all the time (we tried speaking to them).
We now want the car to be written off because we're worried that they won't repair it properly in order to save money.
Surely it would be easier for everyone? The value of the car is not worth the trouble surely?
I tried making a complaint to my underwriter, going through to their customer relations department, they told me that I had to go through my own insurers. I phoned my insurers to complain and they said that they are only brokers and that my complaint is with the underwriters.
I am really worried that my neighbours insurers are going to declare the need for the courtesy car for this amount of time as unreasonable and send me the bill instead. What do I do?

forgotmyname

How bad is the damage? What do you want out of it?

Tell your insurance or whoever your in contact with to go away you no longer require their useless help.

Contact the neighbours insurance with your requests.

If its just those items you mentioned it could be fixed for much less.

The claims management only want to line their own pockets. Making money for you and getting what you want comes 2nd.

cathpalmer

to be honest I'd rather they write it off now.

I'd be happy if they gave me somewhere near what I paid for the car when I bought it in August (is still current market value).

Can I ask them to write if off though? Do I have to allow them to repair it if they want to?

forgotmyname

What car is it? Make/model/engine/year?

If they want to repair it then its their choice. That sounds like a lot to
repair a bonnet and bumper.

Quentin

As the third party insurer say they won't deal with you, then you are left with little alternative but to make a claim off your own policy, then go through the route of reclaiming your excess and other uninsured losses from the third party (use any "legal cover" you may have with your onsurance).

You say you have a "courtesy car", who is providing this?

If they want to repair it you can always ask for a write off and take it from their reply, but cannot insist on it!