The Rover Metro 1.4LD continues to chug along through what has been a challenging winter with only one failure so far – a failed glow plug. Bangernomics dictates that I really shouldn’t spend the money fixing it, but I probably will, as it’s a pain in the neck to start in the morning at the moment.
More seriously, someone ran into the back of it a few days ago. Nothing major, just some inattentive prat in a Peugeot 206, who said he wasn’t concentrating. We were waiting to enter a roundabout and he just banged right into the rear of the poor car.
Irritatingly, when asked to swap insurance details, he looked at the damage to the Metro and said ‘there’s nothing wrong with that…’ when he clapped eyes on the wonky rear bumper. He also looked distinctly unapologetic – almost as if it’s not his fault that he can’t drive for toffee.
Anyway, I am left with a dilemma. I don’t know so much about insurance, as I have not claimed since sometime in the mid-18th century, so don’t really know what’s going to happen. I know that the car’s going to be written off as there’s some damage but, at the same time, it still runs as sweetly as it ever did and still costs pennies to run. To lose this car would be a shame – but, on the other hand, to let contrite Peugeot driver go unpunished would also be a shame…
So, if I claim, and they say it’s all going to be too much and offer to write it off, will I end up losing out? The trade value of this car is £0 but then trying to replace it like for like clearly is going to cost money. I’m obviously not going to accept the first offer, that much is sure, but when they come back with a sensible figure, will I then be able to buy the car back? After all, it’s still usable.
I somehow fear that I’m going to come out of this worse off and none of this was my fault.