These kind of incidents raise the question of whether even perfect repair will make you whole. Now, at trade-in or sale, you have to admit that your car was in a wreck. As I see it, that will make it's value less than the competitor's car which was never damaged and repaired. Everything else being equal, his will command more money. Don't know if there are cases and precedents on that issue in your jurisdiction but it might be worth the cost of a consultation with an attorney before you sign any release or settlement agreement with her insurance company.
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