My wife rang me some weeks ago - somebody hit her on a traffic Island, she was driving my L200 working truck. He clouted it on the offside front wing at speed, resulting in the chassis being bent and the 2 year truck being wrote off. Still driveable and not been declared unfit for the road.
Insurance say that repair costs will be more than 60% of vehicle worth and therefore R scrapping it as a 'total loss' They hold my wife responsible as the other guy was on the Island to her right(having approached and entered Island, from a dual carragway at high speed and span the truck through 180 degrees upon impact- his car activated all his air bags and disintegrated his front end - the old truck(the vehicle that is) stood her ground and held togeter well.
Do insurance companys allow U 2 buy the vehicle back after they pay out - still waiting for their offer? If so, what is best way to deal with them, if not, I intend to strip out all the extras put on by me - load bay box, hardtop, tow bar radio etc. Is that legal?
If they do, what would be a fair offer by me - 1K, 2K or less, or more??????