Wear those seatbelts.

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...you're still gonna get hosed by the insurance, they will reimburse you the used vehicle (today's) price, not the new vehicle replacement price.
Oh, that's a common problem with insurance. The liable insurance company refusing to be decent about their debt and forcing him to hire an attorney does leave him an avenue to go for more.
 
https://www.shearwater.com/products/swift/

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