Help! So Mrs Utopia, was driving, with our 3 year old in the back, and was hit on the passenger door/wheel arch by another car, relatively slow incident so no damage to anyone thankfully. It was on a 3 lane roundabout, she was in the correct lane going straight on whilst someone wanted to go right from the wrong lane and she was side swiped. He's admitted fault and he gave us all his details which are correct!, we've damage to the panels and the door creaks when opening but otherwise the cars fine. We've both got fully comp. Now our car is a VW golf plus from 2005, we cycle a lot so the car is only really for shopping. day outs and school runs as we live in a tiny village, I hate to say it bus since we've moved out of London and had a child we NEED a car, our insurers say its now a write off. The cars current worth is around £1200, the excess is £500, that will be deducted from the worth of the car, which leaves us with a payout of £700 which isn't much to get a new car with (I think we can claim the excess from the other driver but that could take up to 18 months!). I ideally don't want to get rid of the car as its in great nick and works perfectly. Anyone with knowledge of insurance policies can advise us on what to do?, what are our options?, it seems really unfair that because of someones else mistake we now lose out and have to struggle. Thanks Urban!