[***Mr D***]

You have the right as a individual to not claim via your insurers.

If you can get it repaired at your own garage at a resonable cost (Ie not more than its worth) you can submit this to MMA and see if they will agree it or.

Inform MMA of the accident for Information Purposes, use you legal cover that swinton should of included and recover your costs from the third party direct. You should be able to ring swinton, or your legal cover provider and they should advise you of this.

Also check as Courtsy cars arnt ususally given when the car is a total loss.

Any help just drop me a PM

Oh you will probably need your legal cover to recover your Excess and any othe Uninsured losses, Injury, time of work Ect. should you claim via your policy anyway.