That's not entirely true Tig, I taught that too, my car was valued at €8000 3yrs ago, and even tho it was insured at that insurance company's only pay out what the car is valued at now, I baught my BMW when the economy was booming, but since the resession hit the value of high powered petrol cars decreassed bringing the value of my car down to €2500 on the market today, this is why I only got this much, it's a joke and I totally agree that the person who was not at fault should not be out of pocket but it doesn't work that way, ideally it should but both persons suffer financially no matter what, believe me iv just gone threw it all, I say again insurance is only a sticker on your window.