We recently had a minor accident which was totally not our fault. Our insurers RAC, passed our claim to IMS. We ended up with no car, no offer of car hire which our policy included, no clarification of what amount we would be paid and no idea how long it would take. We were given a valuation of our car which we felt was too low so they re-assessed it and came up with a figure £180 higher which we agreed to. They kept telling us they could not guarantee that figure as the third party insurers would decide. Three weeks after the incident, we have received a cheque which is £335 less than the figure we had discussed and the letter said it was the settlement figure minus the salvage cost - nothing had even been mentioned about a salvage cost. There was no indication of what the salvage charge actually was. So we are considerably out of pocket after a situation not of our making. Why do they even give a figure when it has absolutely no connection to the amount we are paid. After our car had been collected, we had 3 occasions when IMS contacted us asking if we wished to keep our car!! It was totally ridiculous and we are beyond frustrated at how shabbily we have been treated.