the point is the officer half the time don't know what they are looking at. and it is left to their opinion. oooo that is real safe light damage can you explain that and what that involves and if structural damamge is moderate or heavy. Where is structural damage ? A pillar where ? the officers have no idea and it is thier judgement. I think it is a waste of money and that is my opinion. Read the fine print buy back for the value of the vehicle, if you paid to much sorry about your luck. Buy a new car and take it back to the dealer 1 month later and see what they give you for it based on value