$4000-$8000 is not a small amount of money and i think you'd be nuts not to get some real legal advise as others reccomended. Or you will get screwed!

The other guys insurance compay wont re-po the car untill you have a final agreement. When you do agree, if you only $4K payout for a base model with no mods. Then thats all the insurance company are entitled to.

Pull out ya sterio/dvd player etc. Mate strip the bloody car! swap the mags for the shittiest base wheels you can find, debadge it, sell the glove box to a wrecker! lol

My honda got rear ended a month after i reduced the amount it was insured for. They wouldnt pay me for my mags and sterio. So i poulled them off. I even let the insurance company know thats what i was going to do and they said that was fine.

They lost out big time on that one. and now I drive my WRX!