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Do not be timid. Insurance is a service that you have paid for. You are the customer and are entitled to claim all the value and benefit for which you have been charged.
Years ago I had an Infiniti I30 that was rear-ended by a motorcycle. Center of the rear bumper was pushed slightly into the spare tire well. The insurance company totaled it. I took the settlement minus the residual value of the car. The settlement was more than I had paid for the car, but I still could have negotiated a better price over their comps. I gave the car to my son, who had it repaired to be safe, but not cosmetically perfect for $500. He was happy to drive it for another 2 years before selling it.
Laws on salvage and rebuilt titles vary widely from state to state. Start at your states DMV website and make some calls to learn the details.
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I am not an attorney, mechanic, or member of the clergy. Following any advice given in my posts is done at your own peril.
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