What ho one and all,
I have a 2003 Mk3 Mondeo, TDCI with 177k on the clock. It is in very good condition, no rust, runs well, just passed the MOT, etc.
Today, I was involved in a minor fender bender. Stopped at a crossing in front of Guildford Hospital when a taxi driver decided to reverse into my drivers side, rear door. The damage is relativley minor, but it is dented.
I now don't know the best route forward as having spoken with my insurance company (have not started a claim) they have advised that their 'reputable' repairer is likely to replace the entire door, and if the cost is greater than 60% of the value of the car, the car will be written off. I could then buy is back and receive the difference. i think that sort of repair will be greater than 60%!
I don't really want to go this route since the damage is totally non-write off; it's just cosmetic. The other way is to get a repair quote and present it to the other driver, and hope that he pays, and if he does not, go the County Court route.
Not having had to make any insurance claim whatsoever (apart from a cracked windscreen X years ago) what is the advice on my way forward?
Many thanks and toodle pip