I think that all depends on the damage to your car. I owned a 1992 560SEL. So, I had a small car accident with a taxi. The damages were not so big, but they decreased a little the value of my car. Anyway, the experience was a little bit hard for me. It causes some big headaches. Luckily, I had a friend that worked as a lawyer for 1866hirejoe.com specialized in auto injury cases. He helped me a lot with all the papers necessary for the insurance company. Anyway, I repaired it very fast and I was satisfied.