I myself have been rear ended TWICE. BOTH times were about 3 years ago, right after I had purchased my new pride and joy, 99 Nissan Sentra (the collisions were only a few months apart). Before then I had an old sucky 88 Prelude (but I loved it because it was my first car, and it served its purpose!) NEVER once had even a close call in that car! Hmph. Both times, it was the other drvier's fault, only one had insurance.
The second time, ALL STATE
said they would only pay $1,490 even though my body shop's estimate was $1,900+. ALL STATE
refused to buy new, factory parts...they said used, yard parts would be just as effective.
I did not have the extra $500 to cover it, and I was NOT gonna get junky used parts for my new baby!
Sigh, to this day, she still has a big boo-boo on her booty, and it will have to remain unless I get like the net check of the century.