You can't claim depreciation in an accident where you were at fault. The purpose of insurance is to put you back in the position you were before the incident happened - i.e a repaired car. Future loss not their issue. That only applies where there is a third party who caused the accident.You are allowed to claim 10% (I think) of the repair costs as a depreciation cost. Unless your policy allows a "new for old" provision then you are stuck with a repair