As long as it hits the damage threshold % and you don't have some sort of attachment to it, I agree. Yes, it's a FE but there really isn't any real collector added value to these so if the numbers work, take the buyout and look for a newer model.
If the body shop follows OE procedures, meaning they put it on a laser frame measuring rack, hung targets and measured the amount of diagonal, it's toast. Beside the front and rear repair sections, there's no provision for these frames to be straightened/pulled according to Ford. Good chance...
Here's the '24 Premium Care ESP brochure. Make sure to look at the bottom for what is generally excluded. Unless you purchase additional coverage, it doesn't include stuff like wheels, tires, brakes, body panels, exterior trim, glass, interior trim, seat covers, carpet, trim panels, battery...
I'm confident you aren't going to screw your dealer over. If you do get a warranty, verify what they're selling you is what it is. Lots of places have an in-house plant that has tons of conditions, try to pass off plans that aren't Ford Protect and/or try to tag on a bunch of additional...
Is the wiper, washer jet, hinge covers and wiring all there? Tinted glass? Where in KY are you? We have routes running to Louisville, Henderson, Owensboro, Bowling Green, Madisonville and can deliver parts if needed. Side glass will need to be urethaned in but the new glass has the alignment...
I don't have the time or energy but some supplier should come up with an aluminum reinforcement/replacement for this joint that overlays on top. Ford eats enough of these it might force them to sell them individually.
I would ask the dealer what specific reason are they denying the claim. Ford does not make this determination unless it's a very odd case with a denial and a FSE involved. Dealer is probably worried about getting charged back since this falls in the "grey area" . Most of the time "broken" is...