I would be very cross too Kiora - that is a huge sum of money and very stupid not to have waited for the inspection, however long the insurance company took, unless the car was somehow undriveable which it seems it wasn't. But I'm glad you all are OK tho, it must have been an awful experience, esp for your DH who was driving. 
What a terrifying experience! I wonder if your DH's actions were a kind of delayed shock reaction to a potentially tragic situation to sort of wipe it from his mind? The money side is infuriating but bent metal is just that and that you all were unharmed is much more important. Forgive him and be grateful that you and your DGC are safe and well.
Actually you are not being unreasonable at all. Would funds possibly allow for you to have a few days away in a luxury hotel, somewhere really nice, just you and a girl friend. Just to get even with the eejit DH.
I hope you reported the lorry driver to the police. You really did get off lightly. 
Did he not get an estimate first to give him an idea of the cost?
I would be livid too 
on your behalf Kiaora
I think I am being unreasonable. I just can't help it. In march this year while traveling on the motorway with our two young grandchildren a tarpaulin was ripped off a lorry in front of us and completely covered my little car. We were driving in complete darkness for about two minutes and the noise was as if the roof was being ripped off. We stopped did the usual of exchanging details. My husband (who was driving) informed the insurance company we were also a witness for the lorry in front of us because the tarpaulin hit him before us. There wasn't as much damage as I'd feared but some small deep gouges over the bonnet and roof. For some unfathomable reason my husband got it into his head that he didn't want to wait for the insurance to sort things out so 8 weeks after the incident he put the car into a spray shop and asked them to fix the paintwork while we were on holiday. I warned him not to. I asked him not to. I told him I thought it was the wrong thing to do. Now we have a £900 bill and it looks as if the insurance won't pay out because the car wasn't inspected. For the first time in decades we had an enormous row. I can hardly speak to him. He does this sort of thing every now and again gets a stupid idea into his head and runs head long into disaster. Normally I just feel a little put out but This time I'v really lost the plot. I feel like crying, I feel miserable, it's affecting my daily life. I'm so incensed and I know I AM BEING UNREASONABLE.
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