That Youtube clip was quite funny, thanks for posting that Russ
On a slightly different angle to the main topic, if you get tw*ted by an insured driver and it is their fault, you can demand of their insurance company to pay up to have your car put back to "as new condition", even if it is "written off", so I believe. It's something I've be told by a number of people "in the know"........But don't take my word for it!