A few weeks ago a man picked up my car. Everything was civil – it found him guilty, gave his assurance and so on. Police report found guilty as well, so his insurance “protection” should compensate me and my loss.
Right? Not so fast! Insurance offered me a small fraction of the value of the car, no negotiations. I wanted to get an independent expert and to see whether the car can get back. Prohibited, unless I withdraw the application. More! If I do not accept the amount proposed in two days, they will withdraw his application. And the two days ended yesterday.
Why do we pay insurance car insurance if they refuse to pay for something?
Oh yes, they allowed me to rent a car for 3 days together.
If your car is a total loss, the amount they offered, of course, would be less than the car is worth. The money is to repair, not replace the car. They offer a place for the amount of time taken to be to repair your car.
Since you have insurance, why let your insurance take care of it for you? This is what you pay for.