Ihad just car on my BF XR8 which was insured for 48k$ bought for 50k$ had 1 prang which wasnt my fualt, lady reversed into the side of my car, completly mangled the front drivers side wheels arch panel and drivers door had to use passengers to get in and out, also killed the rim, took 1 phone call and it was booked in to get fixed and was 2 weeks till it could be fitted in then 2 days work and had car back fully fixed, wasnt to happy with the repairers work but loved the quick and effiecent response from the insurance company, but i have also heard that if its your fualt and they want money from you things can go very slow ! lol