Hi,I know this is from few years ago but I had kind of the same problem.I have an excess of 3k as I am young driver with XS direct. I’m doing delivery with my van and I was reversing I just did not see an Golf 5 parked and I hit it on the rear light. The car is completely in working condition and would have to be changed only the rear light and maybe paint a little bit the bumper. No one was in the car so no injury etc.As I have excess of 3k I know I’ll have to pay anything less than 3k but the insurance write off the Golf as the repair is expensive. They are asking me for £1353My questions are: 1. If I’m the one paying for it, why they did not ask me if I want to write of the car or pay the repair? That should be my decision.2. If I’m paying for the car, why they do not give me the golf ? I could sell it and get some money back