My insurer won't pay what my car's worth following a write-off.

Will Thomas, Confused.com's motor insurance product manager, answers another of your car insurance questions.

Q: My car has been written off after being involved in an accident but my insurer is refusing to pay the amount I covered it for on the application policy. What are my rights?

A: When an insurer settles a write-off claim, it should make you an offer based on the retail value of a vehicle comparable to yours at the time the accident occurred.

The fact that you gave a higher (or lower) value on your application is irrelevant: after all, your car could have depreciated in value since then.