I have had two cars written off in the last five or six years, the first one was where my 17 year old "go to work/mobile skip" VW Polo had someone reverse into while parked, not even the body shop looked at it and the insurance company  offered £1250 which I grabbed because I only paid half that for it, I continued to drive it with the cracked bumper for a couple more years. The second was where another driver cut across me on a roundabout and damaged the front bumper and upset the tracking, again no inspection but written off just from photo's supplied by me, again we were very pleased with the pay
out that was in my bank account less than two weeks after the collision. The car was due to have had over £1500 of work (major service/water pump etc) on the following Wednesday and if you added that to the settlement figure we got within £500 of what we paid for the car five years and 76,000 miles previously.

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