Parked car hit by passing motorist may be written off on economic grounds

Whilst at church, my stationary car was hit whilst it was parked. The lady who hit it (with Tesco Car Insurance) is admitting full responsibility. Tesco says they will repair it, but now I have found out that the accident repair estimate may be more than the value of the car, so they may scrap it instead. Can they do that? No one can surely hit a parked car & badly damage it, and then insurers not even repair it? Please can you tell me my rights?

Whether or not you  have comprehensive insurance and whichever insurer values your vehicle, if the cost of repairs exceeds the value, the vehicle will be  treated as a total loss.  If it is an economic total loss, you may be able to have the vehicle repaired at your expense out of the compensation you receive and this can include a loss of use claim during any period when you were without a vehicle.

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