Insurance write off? In England (UK)?
I had a car accident at the end of June this year, the car was a ford fiesta 1.25 2004 LX, the front bash bumper, bonnet was damaged but the two front lights remained fine so it didn't have too much of a bash. A guy from the insurance company came to inspect the car, they said the car is a write off (the car was running and driving fine), they took the car away and said to send them my V5C documents to them so that they can send me a cheque of how much my car's worth which they said was £1750. Still awaiting on payment which I'm expecting in a few weeks. However I'm confused on the fact them telling me my car is a write off (total loss) because it's too uneconomical to fix because the car would cost near the value of the car to fix! I went onto the direct gov website to check details of tax and mot just to see info about my car, and it was showing that someone had done an MOT on the car which expired on the 7th of november next year! Did my insurance lie to me? Did they fix the car? Sell it on or are they using it and is it on the road given they had done an mot for it? I thought it was a write off so that they were going to crush it and probably sell some parts from it. Furthermore my total excess for my insurance was £350 which they deducted from the valuation of my car.
Just feeling confused.