[jb92563]

I think the first thing you need to determine is the pre accident market value of your car and compare it to its diminished value after repairs.

If the difference is more than a couple thousand dollars then it may be worth your time and effort to file a claim.

I think the values are by their value books and any deviation from that means you'll need to prove it somehow. I would not rule out small claims court action as well if they don't want to be reasonable.

Its all in what you can prove is reasonable to either the insurance company or a judge, and how much hassle the insurance company is willing to go through themselves.