i have a friend who is an insurance assesor, they will only pay up a certain percentage of an older cars value, that they have pre determined in whatever system they use, in fixing it, anything more and they class it as beyond economic repair and wont pay any more, youre right that its not your only option, but once theyve given you a figure they arent gonna increase it just cos it means more to you than its actual monetary value, to them its numbers. Sorry to be blunt but best off to know what you are probably going to face from them. Especially with the stupid amounts insurance repairers cha