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Your excess has to be paid whether the cars repaired or written off.. Thats what it is there for.
The excess can be claimed back if you have had to pay it through no fault of your own.
Since your misses crashed the car, it means the excess will be deducted from the pre accident value of the car.
I would seriously opt for buying it back.
So if your car was valued at ?3000.00, you would get back ?2500.00 if your excess was ?500.00
George
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