Car fire.

Dancingmonkey03

After a lot of backwards and forwards today, the insurance company have agreed to carry out the forensic investigation.

Thank you for all of the advice, now to wait for the report!

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/82041051#Comment_82041051

The standard report is fairly basic… look for where the most damage is and assume thats the where the fire started. What's there? A load of wires? Then it's an electrical fire. They can commission more serious reports but thats not done routinely unless there is thought of a criminal act or there has been significant injury.

https://forums.moneysavingexpert.com/discussion/comment/82041066#Comment_82041066

Even if you have elected to have a courtesy car, the traditional type wouldnt provide one in the event of a total loss as its provided by the garage without an explicit charge, in theory the labour rate is slightly higher but of cause with a total loss there is no labour.

https://forums.moneysavingexpert.com/discussion/comment/82041119#Comment_82041119

Thats not how Motor insurance works, they would pay it out and then recover their outlay from the party they hold at fault. Insurers have large teams that do nothing other than recovery work.