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Car value

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I paid thousands of Rands more for my car than the insurance company is offering now it has been written off. Why is this?

The insurance company will pay you the value of your car at the time of the accident. All cars depreciate in value from the moment they leave the showroom. If you are unhappy with the value being offered for your car, after it has been written off, send the insurers any proof you have - like adverts for similar vehicles, a recent A.A. or garage report, or the appropriate pages of price guides. If you think it is worth it, you could get an independent assessor to look at the wreckage and give you an estimate of its pre-accident value. You will have to pay the assessor’s fees, but if this means you could get a bigger insurance payout, it might be worth it.