I think you might have been misunderstanding my statement, as I would agree that the loss ranges between 5-10k (not far from your estimate.)  To me it&#x27;s a sum of 2 things:  Loss of a 5k car + loss of opportunity&#x2F;investment returns of 25k over at least 5 years.  Don&#x27;t mean to compare to OP&#x27;s 50k repair bill, but even 5k-10k for someone else&#x27;s negligence hurts when insurance somehow dodges the bullet.