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Do not let the insurance off the hook on this one! If that had been a four year old car sitting there, they already have calculated the odds that it would have been, they would be paying for it!
There are too many shops that go to yards and get their parts off cars that insurance companies sell off to the junkyards. They know you can have it fixed for that newer car price or less.
Most of that stuff is rubber mounted is why it popped out. Most just bolts back on!
Having to use a frame straighter, if even needed, is just not that expensive.
The cost of parts is not the issue here or whether it can be fixed inexpensively.
It is all about scraping yours and putting you into that "newer" car depreciation cycle,again!
Of course that will be at your cost too!
It will be far more on you in the long run if you look at the overall picture! Believe me the car manufactures stock holders, insurance companies included, are delighted with it.
You did nothing to warrant such treatment and insurance companies will raise everyone rates anyway! They don't lose. Just like the politicians never cut taxes. They just create more excuses for more increases.
If they insist on taking your car, get a deal to have them pay for the insurance rate on the newer car for at least six years, at full coverage! Let them play the odds game! I bet, they, will still make money as they will right it off as a loss just like your whole package deal will be!
A '91 is a keeper!
Phil
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