[Tcoat]

Originally Posted by GrantedTaken

Do not conflate the bloated insurance quote with the actual cost paid by a retail customer, who is paying with a wad of cash, out of pocket.
Just like medial billing. You think uninsured paying under the table pays the same as the HMO?

$7500 is the inflated book price paid by insurance.
In actuality, you can get that work done out of pocket under the table for under $5000. Or, typically about 60%-70% of retail robo-quotes.

My estimate, $4000, was for paying cash to get it fixed, at a competitive indy shop.
Not the inflated insurance quote, which individuals do not pay in real life.
Others were saying it's totaled, despite book value being at least $15k

That is all fine and dandy except it is an insurance job and the under the table cost is meaningless. Can throw any number you want at it and say "this is what it should be" but that isn't what it is. There is not a hope in hell that any reputable shop in Ontario would touch that job for $4k. Our prices are much higher here and what it would cost in the US means nothing. By the time that is done THROUGH insurance that repair will be much closer to $10,000 Canadian then you seem to believe.