Ask your insurance company if it's going to auction if you don't take it back. If it is, ask if you can have right of refusal on the auction. If they say yes, you can get paid from the insurance company for whatever it's worth and then when it goes to auction, whatever the winning bid is, you have to beat if by a dollar and you get your buyout and the quad.
My insurance company let me do this. The winning bid was a lot higher than I expected so I didn't buy the quad back but was nice to have the option.
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