I understand it's probably different in Australia, but then again insurance co's are all alike. I was offered AU $3,800.00 for my touring that they 'wrote off' (not my fault). Kept on at them and my argument ended up being, don't worry about any money - just replace the car for me to the same specs and i'll be on my merry way. after a bit of a shit fight (similar to op's original correnspondence etc. I was given $16,800 and bought the car back for $100. One drivers door, mirror and a quarter panel later she's fine. (insurance claimed chassis was twisted)
Either way keep at it, you'll get there in the end!
Either way keep at it, you'll get there in the end!
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