Writen off :o

Soldato
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My first car has officialy today been written off absolutely devestated, someone crashed into the side of it parked aswell as my parents car writing both off police found him/her identified from wing mirror left behind and its going through the insurers. His/her insurance has decided the damage is to much and they will pay out for both cars instead of fixing, got a few questions what happens with my insurance premium do i need to still keep paying for a car i cant use up until 12 months is up? and also with regards to tax what happens to that? thanks guys.
 
Hi guys thanks, ive had a crash in my car before and the bonnet was a different colour and it suffered a few problems so not too bothered about the payout, although can i claim more than just the cars money itself due to driving to insurers for inspection and perhaps loss of car/use insurance/tax ?
 
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