You dispute your insurer's compensation offer for your damaged vehicle
You have had a traffic accident for which you are not responsible. According to the expert, the cost of repairing your car is greater than its value at the time of the loss. He suggests that you limit the compensation to this value. But the amount offered will not allow you to buy an equivalent used vehicle. It is then appropriate to demand compensation for the replacement value, that is, the money necessary to acquire a vehicle similar to yours before the accident.
It is in your interest to determine the replacement value of your vehicle yourself and to provide proof of the amount you would have to pay to find an identical model in a similar condition.
In addition to maintenance and repair invoices, or a certificate from your usual mechanic on the general condition of your car, newspapers specializing in announcements between individuals will be useful to you.
Dear,
By your letter of (date of the last correspondence from your insurer and file reference), you offer me the following compensation (indicate the amount of compensation proposed) for the above-referenced claim.
I absolutely do not agree with the estimate of the value of my vehicle before the loss. Indeed, this vehicle (explain why you consider that your vehicle is worth more: low mileage, excellent condition of the bodywork, new tires…).
I enclose you, for proof, certificates from a mechanic (or classified ads for similar vehicles) and ask you to revise the amount of your compensation.
Please accept, Madam, Sir, the expression of my best regards.
(Signature) 20
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