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Need pics, but find a good body shop, and I admit that's easier said than done. And no, the insurance company won't only cut a copayable check, I promise, grab the bull by the horns if you have to.
You tell them you're willing to settle for an amount, what you do with it is your business. Don't take crap off of people like that. This is the part where I usually say you threaten to get a lawyer, but for $400 that doesn't make since, but you could sue them in small claims court for depreciation of the vehicle.
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