Except the problem is that in the car situation you're the one paying for the car, not a third party. This is more like your car getting totaled, and your auto

Except the problem is that in the car situation you're the one paying for the car, not a third party. This is more like your car getting totaled, and your auto insurance company saying "you go pick a reasonable new car, we'll negotiate a price with the dealer (in secret) and then you'll pay 20% of whatever we agree upon"