[ridgered4]

My experience with old cars and full insurance coverage is if the car repairs cost more than the value of the car they just total it and pay out the estimated sale value of the car. Which isn't great if you were happy with the car.

I remember my boss 15 years ago having an accident that totaled his old but reliable car because the trunk and read bumper were damaged. He bought the totaled car from the insurance company for $500 and just kept driving it. But it was a lot easier to get junker cars inspected back then.