[anotherforumuser]

Depends on what it's worth as a wreck.

Doesn't take much for an insurer to decide to write it off, pay it out and sell the wreck at auction, where someone will always overpay for it.

I'm sure the owner has got his fingers crossed for that to happen, depending what it's insured for. With a few recent crashes there might have been some sales that they can get an idea of what it will go for. A crash repair business will want to do a top job and charge appropriately for it so I guess its most likely that the insurance quotes will mean that its written off.