On the 9th November 2023 I had a non fault accident in Shanklin, Isle of Wight. My car being 2012 VW Beetle and the other car drivers car was 2009 Ford Focus. The other driver in the Focus went through a give way sign and resulted in me going into the side of his car. The next day I contacted my insurance company who was the AA. I was told the accident was not my fault and I would be provided with a courtesy car through Eurocar. A car was going to be provided for me and delivered on the Saturday (11th November 2023). I was also told during the conversation that my car was going to be picked up by Premier Ford in Newport the Friday afternoon. During the afternoon of the 10th 2 gentlemen arrived at my property to pick up my car. They arrived in a courtesy car which I thought would be a straight swap; they take my car and I would have the courtesy car. Well I was wrong! On the Saturday (11th November) a car was suppose to be delivered to my address at approximately midday and coming from Southampton. Midday came and went but no car. Eventually I phoned Eurocar regarding the hire car because one should have be delivered but no one had arrived yet. I was told that a car would not be coming today and that I would probably not get one until Tuesday but mostly likely Wednesday. I explained that I need my car for work and I was told I would have one on the Saturday. The Eurocar employee couldn’t understand why I was told the incorrect information. I then contacted the AA to explain the situation, I was told there was nothing they could do. I received no communication regarding not having a car delivered I had to contact them. After contacting the AA and Eurocar on the Monday, Tuesday and Wednesday to try and source a courtesy car to no avail I finally received a courtesy car on the 14th. I went 5 days without a car due to living on the Isle of Wight. This meant I could not go to work which meant I didn’t get paid due to being self-employed. I was offered £50 in compensation to close my complaint, I declined the offered and continued with my complaint. I received a reply which I was not satisfied with so took it to the Ombudsman which resulted in an offer £250 in compensation. On the 24th November the AA decided to write off my car and felt that my car was not financially viable to fix. I found this upsetting but I accepted it. My claim was then closed by the AA and passed over to Liverpool Victoria as the underwriters. The AA will continue to provide the courtesy car via Eurocar. On the same day I contacted LV to find out what would happen to my car now. The LV employee asked again what happened to cause the accident, where it happened etc. LV went on to explain to me that it looks like my car could be repaired and would be transferred from Premier Ford in Newport to Autofix in Cowes. On the afternoon of the 24th my car was taken to the LV approved garage in Cowes. Over the coming weeks leading up to Christmas I had to constantly chase LV and Autofix for information regarding my car. Every time I contacted the garage I was told that they were waiting for parts. I found the staff at Autofix extremely rude and not willing to tell me anything regarding my car as I was not there customer, LV were as the insurance company. I was also told it was due to data protection even though it was my car. The only way I knew anything about my car was a weekly text from AA and an email from Eurocar to extend my car hire. No communication from LV or Autofix. Over the coming months of January and February I would phone LV regularly to find out any information regarding my car. I was constantly being told that they were waiting for parts. The parts for my car seemed to be taking a long time so I contacted Volkswagen to find out how long it would take them to get the specific parts, I was told approximately 2 weeks. I also looked online to find out how quickly I could get the parts, that was at least a week. During February the light at the end of the tunnel seemed to be getting nearer and I was told my car is nearly fix. I even booked my car in for an MOT as this was due to expire on the 13th February. In fact 3 times I booked my car in as I was told I was getting my car back but had to cancel all of them as my car still had problems. When I was told my car was fixed Autofix told me that all that they had to do was carry out a wheel alignment. On the 14th February the garage carried out the wheel alignment which resulted in 3 different results. This meant that my car needed to go to another garage for a second opinion which was booked in for the morning of the 15th February. The second opinion showed that my car needed half the suspension replacing. All this work was carried out and my car then went for another wheel alignment on the 6th March. This geometry test showed that my car was still not safe to drive. Over the next few weeks I constantly chased the insurance company and I’ve asked numerous times for my car to be written off but this falls of deaf ears and LV continue to throw money at my car even though they keep finding things wrong with it. As of 4th April the cost of repairing my car along with the courtesy car. Repair of my car – approximately £5,000 Cost of the hire car - £7,400 The time it’s taken so far to repair my car 20 weeks and still on going. The amount my car is worth - £8,000-£9,000 The total cost so far for the repair is £12,400 which exceeds the amount that my car is worth. I’ve spoken to numerous staff within the Claims Team and David the engineer who has been inspecting my car. I’ve explained to them numerous times that they have exceed the amount that my car is worth. They have tried to argue this as they are unaware how much the hire car costs are due to the fact that they are not providing the car and the AA is still taking care of that side of things. I have also explained that my car was originally written off by the AA but they seemed to be unaware of that as well. I have also raised my concerns with LV that the other car drivers insurance will not pay this due to the high costs. I have been reassured that AXA has confirmed that they accept liability for all the costs of the repairs to my car and the cost of the hire car while my car is being repaired. I’ve put in a formal complaint to LV regarding the problems I’ve had regarding repairing my car. I was offered £100 to close the complaint which I declined as I felt that was a complete insult. As of the 8th April I am still waiting for a reply from LV regarding my complaint. I even contacted LV on the 12th March to request for the complaints handler to contact me regarding my complaint but I still have not heard from them. The last contact I had with LV was when David (LV Engineer) phoned me on the 25th March 2024 to discuss my concerns about my car. I am writing this to warn people about the awful experience I have had with this insurance company.