Shame to hear about your car. Hopefully they give you a new car, but IMHO I wouldn't be too worried about little more than panel damage if they don't do new for old. While you may not like the idea of new panels, at least they're purely cosmetic and not structural. I'd be more concerned about getting new for old on a small fender bender where the cosmetic damage may be insignificant, but chassis rails and structural integrity have almost inevitably been compromised in some way..
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