Repairs of 40-50% of pre crash value will mean a write off afaik. It's hard to understand how a 5mph impact could cause so much damage.
Unfortunately it isn't your insurance companies problem. Your insured vehicle has been damaged by you - thay have upheld their part of the contract by giving you the funds to repair it. They are not obliged to offer depreciation when you are claiming thru your own policy.I pointed out that I would be left with a car post repair which is worth less than the repair cost.
It is worth noting that cars are designed to "crumble", or more technically crumple, like this on impact. It absorbs the energy of an impact into the body of the car rather than the body of the driver/passenger. In saying that, I'd never have expected such damage from a 5mph impact.I'm also scratching my head to work out what 2002 car worth 9,000 euro would crumble so much under a 5mph impact.
"The only other general downside to crumple zones is that repair costs are higher in "fender bender" accidents."
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