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    Always, always, argue with your insurance company over the settlement. Look for cars online of similar age, quality, equipment, etc. to yours and use them to argue for a higher price. You can almost invariable get a significant increase in payout by doing this. Commented Aug 10, 2021 at 11:46
  • @JackAidley concur. Insurance is not your friend or partner. They are an enemy, an opponent in this.
    – Criggie
    Commented Aug 11, 2021 at 22:40
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    The insurance does not need to make you whole. It's pretty clear that they have no incentive and no contract to do so. What they can and must do is one of A. Pay for repairs to covered damage, or B. Pay for the vehicle at the agreed price. That agreed price is the cost of a comparable car
    – Nij
    Commented Aug 12, 2021 at 6:47