I have just been made aware that my car isn’t cost justified in repairing it following my accident this week as the impact on the rear of the car has also badly damaged other parts of the car including suspension, rear doors, electrics and mechanics. I had a call from the garage but not from the insurance company yet, although he said his decision wasn’t the final, the insurance company would make the final decision in the next 48 hours.

I have never dealt with car insurers before so would I be right in assuming they will offer a value in what they believe is the current price for that model and year? Does the car specification make any difference in its final value i.e. options such as fitted satnav, rear view camera etc. add to the value?

If I feel their valuation is too low can I appeal or would I be wasting my time?

I have a feeling I’ll get stitched up for something that wasn’t my fault at all and end up financially worse off, any help would be really appreciated.