Thank you again for your patience.
Sorry to hear you have been through this and hope you were not too hurt. I am happy to provide my advice as follows.
If the vehicle was stolen, is uninsured and the driver unidentified, Slater Gordon will have to process your personal injury claim through the Motor Insurers Bureau (MIB) under the Untraced Driver's Agreement. The MIB are a government body that awards compensation to victims of road traffic accidents due to the negligence of uninsured and untraced drivers. In your case, the driver has been Untraced and Slater Gordon will be able to explain to you the intricacies of the Untraced Drivers Agreement should you wish.
Under the Untraced Drivers Agreement, the MIB do not deal with subrogated losses, these are losses brought by another organisation but through you. For example, your insurers would not be able to recover the cost of their outlay from the MIB, whereas they normally would if another insurance company was involved. This can sometimes affect the total amount the insurer pays out as they know it is not recoverable.
From your initial message, I take it the vehicle was a write off/total loss. When a vehicle is a write off, the insurance company normally pays "market value" of the car, as the settlement cheque. This figure is 99% of the time lower than what the purchase price was for the vehicle. If you have the vehicle on finance, this can leave a shortfall. Hence it is encouraged to take out GAP insurance to cover the cost of this; GAP insurance in your situation would have covered the "gap" of £2000 so you are not out of pocket.
It is unclear from your message, if the deduction of £2000 is just a simple Pre-accident valuation of the vehicle, or if it is your policy excess. If it was for your policy excess, then I am afraid they are justified in doing this as per the terms of your policy, and whilst being out of pocket for this amount in the meantime, it is something you will be able to reclaim back from the MIB when your claim is processed.
If the £2000 is not the excess, then the GAP insurance explanation above applies. In this case, if you have already "accepted" the settlement figure, it will be deemed in full and final, but if you have not yet accepted it, then you can try and obtain a second valuation of the vehicle using an independent garage just to verify the amount is accurate.
In any event, this loss will need to be put forward to the MIB for their consideration by your solicitors Slater Gordon so eventually you should be able to recover this back as part of your claim.
Regarding your finance company, they will understand it is a difficult time, therefore they should be flexible in the repayments to them. If you cannot pay £755 per month to them, you will need to tell them so they can spread the payments thinner over a longer period of time. If they refuse, then you have grounds to complain against them officially, and escalate it to the Ombudsman as you cannot be penalised for an accident that was not your fault, in essence your quality of life should not change albeit it has been made more difficult, so your finance company should have a bit more understanding. Speak with them about the payments and they should assist.
To summarise, your solicitors will be able to claim back for any uninsured losses you have sustained and it is their job to negotiate this on your behalf, and your finance company should be flexible in any repayment terms.
I hope this helps you gain more clarity and wish you well. Thank you again for visiting JustAnswer, please let me know if you need me to clarify anything or if you have any additional questions. I am happy to help.