But the point is it must be written off for someone to benefit, and whilst you were unfortunate (fortunate?) enough to do so, generally the calculation must take into account the risk of writing your vehicle off.
The insurance companies know that (for example) one in 200 cars get written off, so gain £5200/200 cars compared with the 'loss' of £2000 on scrap rights.
One lucky (??) fella makes a profit of £1974 after writing his car off and 199 people are £26 worse off. Something like that anyway.
BtG
