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acrazy:
Welcome to DDN. Sorry to hear about the crash. It sounds like the D did it's job which is to protect the precious folks inside. I assume that SF is your insurance company. Keep in mind that even though you pay them, they are not in your corner! It's the adjuster's job to whittle/slice away on every point they can to get you out of their hair for as little as possible!

I have problems with SF to begin with. Folks I know (myself included) have had horrible service from them. Keep in mind this is a negotiation, and you don't want to accept their 1st, 2nd, or possibly even their 3rd offer unless it's what you want.

Covid screwed up the labor force as well as parts supply chains. In their view, they would rather total a car than repair it and be on the hook for the possibility of further claims on it. Then, there is the expense of a rental assuming you have that coverage while it would be repaired.

Know that you will have to push back and argue that they need to put a like vehicle back into your driveway! Do keep in mind that your D is 8 years old, so a new(er) version similarly equipped would require you to throw some bucks in to the pot.

Don
Get a lawyer! SF sucks! We were rear-ended in our 16 DRT and it received minimal damage, compared to the Ford Ranger that hit us! [Totaled] SF fixed our DRT right away but quit paying my doctor and hospital bills and stuck me with $25000! After I was sued for the bills, my insurance co. picked up the tab and would have if I told them sooner!
 
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