the excess will apply as it kind of sounds like your fault 
good luck!
Cheers, thought that was the case, it's just the small print of my insurance doesn't make it crystal clear as to what happens when a total loss occurs.
Well with nobody else involved it does kinda point the finger in my direction!! Wouldn't have minded so much if I'd been driving like a loon when it happened, but was on my way into the office and was in no real hurry, on an unfamiliar road and was aware that the conditions weren't great so was taking it quite steadily. Oh well these things happen.
