kevin : u cant get a new 1 , let say the car worth 40k, and u pay 20k downpayment, then u accident and claims total lost, insurance wont be paying back the same amount when u buy ur car, means depreciation or in our term we called betterment. Once u get ur approval in claim, u still have to settle the bank's loan. Means approx u got 15k back, things work like that. Parts are expensive when u get 1 by 1. But ur car condition wont get totaled =) Your chassis not badly effected, only roof, windscreen, and some other minor stuff. Drive carefully next time =) .

This post has been edited by ky_fei: Aug 25 2008, 07:57 PM