Almost 2 weeks ago we had a non-fault accident.
As we were slowing down and indicated to turn right, there was a junction on the left where the driver did not stop in time, over shooting the junction and hit the side passenger door, it has left a dint, took the skirt off and left a scrape (nothing else, easily repaired)
We informed our insurance company (kwikfit) who quickly passed us onto aviva (the underwriter) aviva collected the car from us 3 days later on the basis that it was going to be taken for the engineer to assess the damage to the car and repair if possible.
We have since found out that the car was actually taken straight to a salvage yeard nearly 3 hours away from us as the car had been written off, purely based on age and without an engineer even looking at the car, after speaking to both kwikfit and aviva, both have confirmed this, based purely on the fact the car is old (R Reg, 98)
We feel we was purposely decieved by both Kwikfit And Aviva on this matter, we only agreed for the car to go on the basis that they was looking at repairing the car (as the damage is so small)
When speaking to aviva (whom we are only dealing with now) they explained the car is a write off (have asked for an engineers report, still not recieved it) based on its age, regardless of what damage there is to the car.
They wanted to offer around £800 for the car, this is abysmal! I explained the fact that it is quite a hard vehicle to get ahold of and does not sell for less than £2,000, most within the range of 2.5K, How ever as ours had an LPG conversion (cost over £1,000 in itself) and expensive alloys (£900) they should also be taken into account.
Apparently, this is not on their list for modifications with the car, we have sent evidence to aviva to show that we did add the modifications to the car, to which they have accepted but now waiting to hear back from the underwriters again.
Our youngest son is disabled, my partner is heavily pregnant and we have been unable to attend our sons hospital trips due to them taking the hire car off us stating that due to the delay, the third party insurance would not cover the cost of hire car.
We find this an utter disgrade, our son has to been seen very often, usually once or twice a week, his school is 3 miles away, he can not walk far so at nearly 6 years old i am now carrying him to school and back everyday.
I am wondering where we stand on the fact that they wrote the car off without even looking at it, While it may be an R reg its bodywork was in AMAZING condition, as was all the interior, the alloys and tyres were brand new, the LPG system only a year old.
It is a Mercedez Benz V280 7 Seater 2.9L
Any help would be apreciated