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Message: <blockquote data-quote="oldknowall" data-source="post: 1718731" data-attributes="member: 214663">This is just the loss assessor trying to pare a few pennies off the claim to justify his existence.  If somebody causes you to lose the use of your car, you are entitled to be placed in the same position as if your car had not been lost.  It would be unreasonable for you to hire a Lamborghini to replace your Fiat Uno, but you are entitled to something that does a similar job.  The fact that you could have managed with a smaller car is beside the point. Put together a statement of all of your costs and expenses, including damage waiver on the replacement car, and tell the insurers that you want them to pay.  Stand your ground and threaten to take them to Court.</blockquote>