Auto & General/Telesure - BIGGEST ****** in the insurance industry!!!

<p>My vehicle was involved in an accident and my insurance Auto & General/Telesure has advised me the damages exceeds the market value. IE. the vehicle is worth nothing.</p> <p>I then disputed the cost of the spare parts as i managed to get pricing on spares for a quarter of what thier assessor quoted. These were all brand new and original parts from the agents. When i disputed this i was told to choose the buy back option which would then allow me to repair my vehicle myself.</p> <p>Firstly i think the buy back option is a **** as it is my vehicle and i've already paid for it, why should i pay my insurance for what is mine. I've already been paying my premiums for years. Also they declare my car worthless then turn around and charge me 52.5% of the market value. "Hey your cars a worthless piece of **** but here, pay us more than half the value of one thats running, driving and in perfect condition". Is this then not a contradiction to your statement that my car is worth nothing. This then proves that my (accident damaged)car is worth more than half the market value as it stands right now.</p> <p>52.5% of nothing is nothing?</p>