Back in the day, had a nearly new car written off by a car that hit me head on after not taking a bend . Was with Frizzel. Had a cheque for settlement within a week. LV not so good. A van rear ended me and should have been written off , was not. they sent a firm out saying they were from LV. Total lies as it turned out. Was a repairer. took the car away. The doors didn't shut well after a bad repair to the rear. I had the car inspected (paid for it) and they said the body was twisted. Went to different repairers for a second opinion to make a legal case, but they didn't want to look at it. They didn't want to upset their industry close nit arrangement with insurers that use them. Had to sell the car to the original repairers as a loan vehicle at a big loss. You never know, when you think your quote is cheap, that when the chips are down, you find out really what you have paid for.