Mention reduced value to the insurance company and keep mentioning it every time you talk with them. I did the same on a previous car that I owned. I kept mentioning reduced values and depreciation of the vehicle due to Carfax values on a repaired vehicle. First estimate and settlement was offered for the $1,600 repair, which later turned to $3,000 for repairs and depriciated value. Insurance companies can be made to eat that depreciated value amount as well as repairing the car. Why should you? Just a word of advice...depreciated value!!! lol