same thing happened to me when my laurel got stolen and crashed, got paid out and the only way to get the car back was to buy it from turners where it went to auction, got it back for 380 and took out alarm, sounds etc then stripped it and sold most and made bout 12hundy
buy a hilux with bullbars if you wana be bulletproof, guy backed out in front of me in the supermaket carpark, hit him pretty hard and all it did was break my corner light but made a mess of his car.
Have also hit a chained gate with it and it just broke the hinges off the gate
Hilux+bullbars=good