Right, no beating around the bush i just totalled my altezza : ( id like to say it was doing some hero spec drifting or someone's fault but literally just hit ice on a dual carriageway and the back overtook the front before I even knew what was going on. Car is totalled and im in A+E now car has been recovered. Do I legally have to go through insurance? Or can I just recover it to mine and break it for parts? ive never claimed before so don't know how it works, but thinking if I do claim and they paid me out a few grand, getting insurance again will probably be impossible next year as they'll prob up my premium more than they pay out no? thoughts?