i dont understand

I understand that your daughter could take her case to the small claims court. This would be on the basis that the other driver would be bound to return your daughter financially to the situation she was in before the accident. CAB should be able to help point her in the right direction.

When I had a minor bump (other party hit my car from behind) the insurance company were useless. In the end I had to chivvy them almost daily to get it sorted out. It's the same old story sadly - you have to jump up and down to get anything done. If your daughter is injured, however slightly, as others have said, see the GP, get a solicitor and claim - her ex gratia costs like the petrol should be included too if she has kept the receipt with the date. It's worth adding everything in - physio costs too obviously - and then keeping on and on - only that way do you seem to get what you are entitled to and let's face it - what you have paid them for!

She should be able claim for personal injury (doctor's certificate required)if she has fully comp and a courtesy car until the accident claim is settled in full. My daughter has had 3 occasions where a driver has gone into her car at the rear (none her fault) and each time she has claimed compensation for herself and any items damaged. She should also claim for the petrol too- she will have the receipt to show it was bought minutes before the accident. I also advised my daughter to refuse the first sum offered by one of the insurance companies because it was not enough as a lot of money had been spent on the car recently and it could not be replaced with same standard of car (low mileage, minimum owners etc.) with the sum they offered. They suggested sending in copies of local car for sale ads in the paper, and when she did, was offered more money. The insurance company also said they would collect the old damaged car for a fee or she could get rid of it herself (it had been towed home)so she sold it to a local dealer and that was more money she got and she was able to buy a decent replacement car. The question was is: it worth having car insurance? Well, a) it's illegal not to and b) if you are at fault in an accident then you would get nothing if you weren't insured

When DH was hit by a lady pulling out of a school (she was a teacher) she admitted liability & they exchanged details. Luckily our car was driveable, car had to go into local Ford dealer & DH had a curtersy car for a few days. When we got car back Assessor came out to look & informed us that the repair would cost more than the value of the car, he made us an offer & said if we wanted we could "buy the car back" for £1 & have repairs done ourselves. We agreed to this.

Sorry to hear of your DD experience, hope you get everything sorted out.

We did the same with our write off car, we had it repaired at a far cheaper price than what we have put towards another car. Worh getting an estimate.

Please check travelasfar on the terms of the write off as sometimes the insurance company will pay out for the car but allow your daughter to actually keep the car rather than having it scrapped

I was sitting at the traffic lights (which were red) when a lorry ran into the back of me. At first he was shouting and swearing at me, asking why I was stopped in the middle of the road. That is until the police pointed out the pelican crossing, I had stopped at.
His insurance company phoned within the hour accepting full liability.
However, when I went to renew my own insurance, my premiums shot up. When I asked why, since the other driver had accepted full responsibility, I was told that I was now more likely to have an accident! This was despite it not being my fault. Yet when my daughter renewed hers, and I am a named driver on hers, she was told that my accident would not affect her premiums in any way. No consistency. That was 6 years ago, I am still a nervous wreck at traffic lights.

Car insurance needs investigating. Even if it's not your fault the premium goes up. Three members of my family have had their cars damaged through no fault of their own. DD1's car was hit on a residential road by someone coming up her nearside when she was indicating left to turn into a parking area. She agreed to a 50/50 settlement (I wouldn't have).

DD2 was hit when stationary. It was dark and raining and she could not see the damage to her cream coloured mini. The next day all she could see was a faint mark over the rear offside wheel arch, a negligible mark. The other driver (BMW) claimed almost £2000 in repairs, submitted no photographs. DD2 sent a photograph of the damage to her car and a map of where it had happened and a full statement. If his BMW had really sustained all that damage surely her mini would have been a write-off. Again the insurance companies wanted 50/50 settlement (nearly two years ago, not sure if it's settled yet).

This week DD2's husband's car was badly damaged while parked. Again the insurance company is saying 50/50.

It is simply not fair that totally innocent drivers are penalised in this way.

To buy for return of car and scrape value ! Then find a small repairer to fix boot for you !
This way you will still have petrol and the £400 won't have been wasted, insurance company's make big money by using these methods !
We have done this twice in last 15yrs,. each time it was more facial then major damage !