They still pay based on market value, so you just gotta argue with comps. I've had damage on JDM cars where it exceeded the value I paid for the car and icbc still fixed it and clean title
so it depends on what's happened and what sort of damage it is.
You might get f over with the book value though cuz there's ep3s here. I had to pay full transfer tax based on their book value cuz there's a NA version of my car even though my car was never officially offered here and the steering wheel is on the right side.
