I know when we totalled a 96 cherokee 2 years ago,the book on it was $5700,they gave us $5200 and the Jeep back and all it needed was 2 fenders,a grill,a bumper,windshield and paint.For $1290 I fixed it and it looks just like it did before the wreck.Best thing was in Va.if it is over 7 years old or under $7000 value you don't even get a salvage title.Now that doesn't fool carfax,<img src="/forums/images/graemlins/nana.gif" alt="" />,but I have no intention of selling it anytime soon anyway.My point is ,the buy-back for the owner is usually MUCH lower than for anybody else.