Please help me stop worrying until I need to.

[pumpkinpillow]

I was in a car accident (no one hurt).
It is likely that the car will be deemed a write off (repair is more than value of car).
I won't know for sure for another 3 to 5 working days.

I know I won't get what I paid, or to replace like for like.
The car is on finance.

There are a lot of unknowns at the moment. How much I will get, how long will I need to wait until I get the money, when will they want the courtesy car back, how it will work with the finance.

It's totally dominating my thoughts and I can't let it do that until I actually know what's what, because I have things I need to do (work, sleep, house, son).

I have no one to support me. No partner, no parents or in laws. I am grown up and obviously can do it myself, but I hate having to understand all the insurance language and the terms of my finance. I'll need to buy a new car. I live rurally and need a car. I don't have the luxury of time to shop around.

Ah well. No one at all. Soldier on. As always.

Hiding the thread so I don't wallow.

How much is left to finance on the Car? I'm sure you will have to clear the balance with the finance company and any left you can put towards another car. Then refinance the remaining balance? I'm not an expert on this sort of thing but accidents happen try not to worry. The insurance company will take care of it, all the questions in your OP call your insurers and ask they will help, the main thing is no one was hurt things could always be so much worse all the best x

An engineer will assess the pre accident value of the vehicle and they will send you the valuation for your approval. The insurer will pay the finance company out first and if there is any left over, they will pay this to you. These payments will be less any applicable excess. Hth.

Also if it's a courtesy car rather than a hire car, it will have been provided by the garage so they will want it back as soon as the engineer deems the vehicle to be a write off