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... or refuse to sign the writeoff form and tell them you want your settlement minus the buyback fee... when an old MR2 I had got hit head-on I asked to buy it back and they resisted for awhile, but gave it to me for $800 and then I just had a shop front clip it, paint it and sold it for profit............... but if you really like the car, you can get it fixed and keep it + the cash you get (whatever is left from fixing it).
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