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QDo i have to accept insurance company decision to right off my car?

there was a lump on the back my insurance said his guilt immediately . It is a good car and I know I can buy it back but why should I go through all the work inconvienience paper etc. . I want to keep that car had few years and has looked ita after.An estimate they gave me was 23 pounds more than the value of the car . Do I have any rights .

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