What you said in the earlier quote re VS and VT vs VP/VR works for me
. It wouldnt stop me from buying a VS or VT though.
Re. insurance: While the details of each insurance policy differ, generally, if you are not at fault and are personally claiming damages from another insurance policy (person), you get the lower of the repair cost or the car's (book) value, as assessed by their insurance company. If you think the value offered is too low, you can ask for more, with your own quotes or valuations, indicating that you are prepared to go to court over it. If the claim is through a comprehensive policy, the insurance company generally has some claim to ownership of the damaged vehicle. If you ask, they will usually give you first bid if you want to buy it off them as it saves the costs of them having to tow and sell it at auction. If the numbers are comparable between repair and wreck, you often get the choice between repair and wreck. There is a difference between making a claim personally and through an insurance company (policy) where you are authorising them to act on your behalf.