thank you for the information this is what im up against i have not been paid a penny for this car nor was i imformed they were going to scrap it is 12 months since the bump the other party had his car fixed and back on the road in weeks me i just get fobbed off with 1 offer of scrap value they even sent me a check out i returned it and telephoned them to let them know i was not excepting it like i say folks always ask when using a broker who will you be insured by..if they say gateway..you know the rest