The answer to your first question would be the answer as given by the Insurance engineer in that by comparing my car age , mileage and condition, my car is only worth the offer made.
The accident happened as my wife was driving along a main road in Wokingham when a large branch broke off a tree and fell on the road a first then onto our car, which took away the full impact.
The tree is on open land and I am not aware whether the Insurance company has made any effort to establish the owner of the land
The first thing I would try to do is establish the owner of the land. Unless there was a storm, branches do not normally fall off the tree and if there was a storm, they do not normally fall off a tree unless it was hurricane/abnormal force, or unless the tree was badly maintained or diseased in which case, the owner of the tree is liable. The stance the insurance company take on this is that if you had it repainted and had a new exhaust and new brakes, you did that because the paint, exhaust and brakes were unsatisfactory. So in effect, all you did was put it back into the condition that it would have been ordinarily. Having done all the work that you have done on the car, (is too late now) I would have got an agreed market value with the insurance company (not all insurers will do it) whereby you send photographs and they agree how much the car is worth. Worthwhile remembering for again. If the insurer will simply not budge, you are faced with making a complaint to the Financial Ombudsman.
I will tell you that the financial ombudsman does not work at the speed of light and this could take 12 months to resolve. Does that answer the question? Can I help further
Remember that the car belongs to you and you can probably get them to agree to the £1800 settlement and you keep the damaged car.
I would not let them cart the car off to a compound somewhere otherwise it will end up more damaged. Don’t let the mislead you into saying that they must do that because they do not.
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