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One more note, there's been some discussion at PPBB about claiming for loss of value, if they fix your car the value is still impacted by the fact that it has an accident in its history. There is apparently a mechanism where you can get an estimate of the difference in value (say from a dealer) and claim in addition to repairs. Do a search on loss of value and insurance and see what shows up.
Sorry for the car but glad nobody was hurt.
Chris.
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