Unfair car insurance?

 

 

My car was very old but in excellent working order. It has been written off in an accident that was not my fault. The insurance company will only pay me what it's worth, about £150. To get a reasonable second hand replacement will cost much more than this, and I cannot afford it. So I now have no car and cannot afford a replacement. Over the last few years I've paid thousands for insurance. Can the company do this, i.e not pay for an equivalent replacement, but pay what they think it's worth.

 

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SOURCE: http://www.insurelabs.com/forums/topic/unfair-car-insurance/