Any excess above $1,000 is getting up there! Agreed that agreed value is the way to go. Have you tried Youi?

Can understand where you're coming from in relation to the usage of the term 'car accident', Gok. Some authorities now even use the term ‘collision' or 'traffic crash' as they are reluctant to use the term 'accident'. For example, the Queensland Police Service renamed its 'Accident Investigation Squad' a few years ago to 'Forensic Crash Unit'.