no no nothing doggy, maybe i worded that a bit wrong.
The choice was I go ahead and claim the insurance or not.
If I went ahead with the claim - it would be a write off
from then I had 2 choices:
a. settle everything now, leave the car, sign the paperwork and money would be in the bank in aprox 48 hrs
b. return the car within 48hrs and settle everything then
I had already ripped everything out, so I didn't see any point in hanging on the car any longer.
Since I had agreed value I got a good deal out of it.
I was just surprised at how quickly the process went.