We had a kid (two years younger than our vehicle) pull in front of us with out looking as he crossed the highway. Is insurance came through with not enough to replace our vehicle, but I have not gotten my wife on-board with buying a parts vehicle with a rusted out frame for ~1/5 the amount the the insurance gave us. She is like: "You got it running good! Who needs a bumper, grill, fenders, and an opening driver's door anyway?" It's a battle sometimes, but she is wonderful.