No, I think you have not.
It would be normal for an Insurance Company to pay the sum of money required to replace the vehicle with another vehicle as close as possible. In the case of a nearly new vehicle, and I mean really *nearly* some insurance policies will replace it with another new vehicle; which is obviously not the case here.
There is no standard cover that I am aware of that would cover the higher amount required to cover finance charges as well.
I do hope she has GAP insurance of some description.
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Insurance Question new
Insurance Question new