* Not many people think that by taking out such a policy based on "market value" rather than "agreed value" that they'll have to make an "at fault" claim, except if it was stolen.
* Insurance companies are investment businesses and they are not compassionate or enthusiast-minded. Their skyscrapers are not built on compassion.
* Should you not be able to "part out the car" for a heck of a lot more money than to proceed with the claim for only $5,000?
* If you prefer to part out the car, do you realise that you don't have to carry the burden of "suffering a total loss" and "being at fault" when you apply for a future insurance policy?
Otherwise, future "premiums" will be noticeably higher!