[Synchro909]

I've been in the situation where clueless assessors tried to put a price on repairs to my Model A. It had been hit on the RH front corner. they couldn't understand why the left mudguard (fender) needed attention because they had never dealt with a car that had a headlight bar. When the total cost was revealed to them, they wanted to write it off, expecting to be able to claim the salvage. I told them NO! Firstly, they have no agreement from me consenting to them taking my car under any circumstances. They argued that it was standard practice (Like Brent says). I pointed out that under my policy, I retain the salvage rights. They checked with my insurer and related. I still consider this to be my best encounter with an insurance company and I still have the car after repairing it myself.