I was involved in an accident, and have comprehensive. The car is totaled (costs to repair will definitely exceed value of car/insurance). Accident happened when I swerved to avoid being hit by another car without lights on a dark rural road (I’m in Africa but insurance is from UK). Company have asked for 2 estimates, but didn’t ask for a police report, although I can get it.

It was only my car that flipped, since the other driver didn’t hit me and didn’t stop (obviously, since he was driving without lights!). Do they need a police report?

What can I expect? As for value of car, there really is no market price here, since you can get a used car of same model for 2,000 pounds or for 6,000 pounds; depending on who you buy it from, condition, etc. Free market basically. Although I accept value declines over 1.5yrs, and that there’s a deductible, I’m worried they offer me MUCH less than what it was worth, seeing the excellent condition it was kept in and what I could have sold it for.