The other night some speeding berk ploughed into the back of my parked neighbours car, which was propelled into mine, which was shunted into my wifes. My neighbour's is a write-off, and there's a strong liklihood that mine will be too (I'll find out for definite in the next couple of days). Everything's going through fine with the insurance (he didn't do a runner), but say that it is considered a total loss, what am I likely to get for my car return-wise, considering that it was not only a great car for me and I got a superb deal when I bought it, but it was quite new, in perfect nick, full dealer service history etc? ie. will I get the market value, or what it would cost me to buy an "identical" replacement, or will they offer a paltry sum and I'm likely to lose out financially? This is new territory for me, so if anyone's been in a similar situation....
they will try and offer you average market price, but it pays to find a few prices from some diferent places, find a mint condition with similar millage, generaly ive found you can genreraly bump up ur insurance payout if you show simmilar condition cars, use well known sourses like Glass's or Parker's guides, hope this helps.