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I can't see the need for a full respray either as they would only need to paint the rear half of the car as that's the only part that's damaged obviously it would need blending in but that can be done with a good polishing compound and a restorer for the front to match them in I think.
I reckon they know it's a total loss, they know your keeping it and the fact that your getting paid out on it so to me theyre just trying there luck to get a bit more brass out of you
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