[grantmr]

Yes it seems the threshold here is around 75% - I spoke to the assessor and he said that there was about $1k leeway on the quote, which would make it $15k, or around 75% of $21k.

It's all good. I got a copy of the quote and it's totally wrong - almost all the parts they've quoted are for 987, including two exhaust systems and a whole bunch of crap that wasn't damaged. I'm working with the Insurer now to get a correct quote, it's definitely going to be less than the original one. My baby is safe and will at sometime come back to me!

Edit: the insurer also got an engineering report done - no structural damage, no alignment or suspension damage.

Thanks everyone.