15.7K isnt too bad.. like you said, the main thing is that your ok :) EDIT: Did the assessor tell you how much the damage is worth? No the assessor mustve told the insurance guys.As far as im concerned,thank god its a TWO,as I wouldve have not got more than 10k if I tried selling it.So its all good.What does OP mean? I am with real insurance and theyre really good.From when I called them to the settlement,they made it really smooth.Ive heard horror stories from some of friends about other insurance companies.REAL is GOOD!