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My wife was hit by 3rd party. Car is an old civic, to replace it would be about £900. Her (the 3rd party) insurance co. have sent a cheque out without agreeing with us or bothering to contact us to the hire car co. this has the effect of cancelling the hire car in 7 days. We don't agree with this or accept it no one has had courtesy to tell us they were making a payment - the accident was not our fault as they are only sending out £400. We then have to find the extra money to get another car also. My question is can we insist on car being repaired (it would cost £2500 approx) which would be a lever to increase the payout. We were told by the hire co. not to accept the first offer but we have not even had a first offer any ideas or facts gratefully received. It wasn't our fault we would have still been driving the car but the insurance say they only have to payout the value before accident. I was informed by a couple of people that we could insist on it being repaired. many thanks