Maybe i am not understanding the concept of pre accident damage at all. Bought a 95 Citi Golf for 26K 18 months ago. Was recently in an accident and the accident damage 46K to repair. Needless to say the car was totalled. According to insurance, the insured value only 17.8K which in iteslf was a bitter pill to swallow but did agree to it eventually. THEN deducted R3, 800 pre accident damage. Nothing related to the accident in my opinion. Scratches and dents in front and side of vehicle. This is not part of costs to repair the car and if so the car will still be totalled as damage is more than 17.8K. Now i am getting a Whopping 14K for a car i paid 26K a year and a half ago. Do they really expect a 16 year old car to be in pristine factory condition before they pay out out the already highly deflated "market value" I feel robbed and bullied. What is the purpose then to even insure a vehicle of this age if you going to loose more than 50%? I have three other vehicles, two properties and contents insured with them and i really feel VERY Exposed at this point in time!! Bitterly disappointed. Also, if i may add, This was my first claim in over 4 years. I am not a happy CUSTOMER!!!
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