So I gather you want it fixed (the buyout value is likely considerably less than what its worth?)
They assessed the MSRP at $55,000 CDN (retail was about $60K at the time we got it), adjusted for inflation that is $75,000-80,000 today. Pretty accurate for a loaded SUV with a V8 in 2022. The condition of my vehicle was assessed as being excellent (duh...), and is going to be hard to replace. So yes, unless they are cutting me a check for $80K I expect to be made whole. I just got the estimate and it is $8,800 to repair, and if the threshold for repair is 63% (based on what I have been told) we can assess their book value of the vehicle at around $14K. It was last appraised at $20K (before the transmission upgrade). Market value, especially with the current state of the economy, is likely much higher.
I challenge anyone to find me an equivalent in Canaderp.
Now I get to make this argument. Should be a treat.