Update. Well what a surprise, after sending her the quote she says she can't afford it, and it was very reasonable coming in at under £680.
So here we go….I notified my insurance company on Saturday night, which will go on to the national database. Now when I renew and they ask if I've been involved in an accident, I have to say yes,(increasing my premium) otherwise my insurance will be invalid.
Because she had no damage to her car, she won't even have to pay an excess fee.
Now I have all the cat C/D crap to deal with too FFS.
No wonder people hate insurance companies.
Miss yellow-teeth's car rolled into yours when you weren't in it, so you haven't been involved in an accident. You might have to say that you've made a third party claim, but that shouldn't affect your insurance. (Not your fault)
Why not contact her insurers and ask them to pay you £1,000 in full and final settlement, to cover your repair cost, inconvenience and some car hire. Avoid a Cat C/D by doing that. Sell it to them on the basis that writing off car will cost them much more.
People will say you can't do that, but money talks and if her insurance company can save money, they will. You need her policy details though and you need to deal direct with her insurers and not through yours.
By the way, I just bought an Inky VT6 as a Cat C write off, got Joe at FCSS to fix the damage as well as do cam-belt, water pump, auxiliary belts, service MOT and other stuff; took it for a VIC check to re-register it and taxed it same day. Is a really lovely, low mileage, good service history etc, car and Cat C doesn't bother me at all, because I saw all of the damage before I bought it. (very minor)
Sarah at Neil Willies sorted out a good deal on insurance, with no penalty for being Cat C and no hassle getting insurance whatsoever.
As a gesture of kindness, once her insurance has paid out, buy her a new toothbrush, some toothpaste and dental floss.