I've read all these posts and remembered my recent (October of 2014) accident. I was prepared for the worst since it was a pretty bad accident--I was at about 55, in or just entering an intersection when a gal decided to turn in front of me. Hit that Rav4 with my 2004 2500 with Duramax between the wheels, turn it over went into the underside and pushed her and another car into the guard rail. Turned into a pretty easy settlement. Towed to a storage lot and the adjuster went to look the next day so I met him. Since the airbags went off he started to talk about totaling the truck so I stopped him so we could get the rules of the settlement straight. Since it was the RAV4's fault and she had admitted so to the state trooper it was the her insurance company's responsibility to make me whole, not better just to where I was, and if they wanted to total it that was fine but they would need to start looking because I liked the truck, if they wanted me to do the looking it was going to cost my labor rate. Didn't say what that was. The towing company had asked me to sign a release which I refused until everything was settled or I told them where it was to go. Insurance company decided the truck was worth fixing. I suspect the rules have either changed or they just don't want to argue when you understand the rules they have to live by.
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