Originally Posted by Tirefriar

The insurance company is NOT going to crush it. They will sell it off at an insurance auction such as Copart or IAA to recoup part of their losses. That's why they don't want you to strip the car down as they base their buy out price on the condition of the vehicle at the time of the accident. For example, if they appraised your car with an AM FM CD stereo, it needs to have that 'style' stereo when they pick it up. Swapping rims for rims, seats for seats, etc will slide.