RTC not my fault, looking for advice please

CharlotteSixx

Hi
Someone ran a red light in the middle of town, speeding at a crossroads and we ran right into the side of them.  Both cars involved smashed up.  No fatalities.  Police arrived on scene, witnesses seen what happened and police confirmed we done nothing wrong and charged the other driver.
We just bought the car in December 2019, paying around £10k on finance and we put down a £900 cash deposit.  We have GAP insurance.  We are assuming the car is going to be written off, every airbag deployed, smashed up very badly.  A wreck.
I cant sleep for worry, someone tell me honestly have I essentially lost my £900 deposit?  As I know the finance will be cleared by the gap insurance.  But I'm now left with nothing to trade in against a new finance deal or used car?  
Our savings are low and we have another baby on the way (I am 25 weeks pregnant).  

What can I realistically claim here if anything.  Thanks in advance and sorry for long post.  

MovingForwards

What you can claim is:
Pre-accident value, less salvage, less excess
Excess
Any other out of pocket expenses eg bus / train fare, taxi, hire car
You have to mitigate your losses eg keep them to a minimum and not take the pee.

Wouldn't expect the £900 back.

Assuming you are not injured, as you haven't mentioned it. 

Speak with your insurance and GAP company.

Save to buy a runabout with a long MOT.

[Deleted User]

What does your GAP insurance say? If it just says pay off finance then that's all you will get I'm afraid but some do include deposit protection.

Were you or anyone else injured? If the airbags deployed you would be lucky to have no injuries. It's obviously difficult to get checked by a doctor but you should report anything - cuts, bruises, headaches, back pain, even anxiety about driving (mental health) etc. to your insurance company.