I've just had my daily driver Mondeo written off after someone drove into the back of it. Relatively low speed and on first inspection you would think it needed a new back bumper and a few pieces of trim. The other side's insurers accepted full responsibility so it seemed like being a case of getting it booked into the body shop and sorting out a rental. However, it turned out that the boot floor was badly creased and to cut the story short, it was an economic write-off. A shame as it was a really nice car, still driveable and with everything still working as it should.
So, I awaited the unreasonably low offer from the insurers which I would then dispute before eventually being forced to accept. I bought the car 16 months ago for £5,800 and had put some 20k miles on it since so I really wasn't expecting much. It's a 2010 car, originally bought by a Ford employee and with as high a spec as you could get but of course that and the perfect service history count for nothing in such cases. So, I thought I must have misheard when the insurers phoned to offer £5,085. If I wanted to keep it the price was £4,000 so it wasn't too difficult to go with the £5,085.
The car breakers collected it this morning and while it still seems like a terrible shame to see it broken up, I must admit the payout eases the pain!