I have gotten really lucky with vehicle insurance. When my wife and I rolled our 80 series, it was beyond saving , The axle was bent and the motor mounts broke because the frame tweaked and the dash frame work squished in so much you could not get the key out. I think one rim was not bent! but I payed 6400 for it, put new tires on it and the smaller ride hight ome springs. probably had 2000 in it and the insurance gave me 14,500 for it. to witch I bought a kzj78 for 16,000 then sold that one for 19,000, then I bought my fj40 for 8,000 i think. But thats the end of getting money out of vehicles as I have spent a ton on the 40 to get it the way I want. but I am happy. although.... I cold be tempted to trade for a good fj55 one day.Insurance companies have all the big buildings. They take your money and seldom give it back because then they wouldn't have all the big buildings.