jocco, My experience with car insurance paying off, accidents and repairing wrecked vehicles have lead me to the following conclusions.
Insurance company will always come out on top. The value of your wrecked car is based on what a used car same year as yours is selling for at your location. You lose.
The insurance company will most likely total your car because they price new parts to repair your used car. So it's possible you can repair your wreck with used parts and come out ahead.
I have never seen a wrecked car repaired to the original condition. You will always find a rattle or the car pulls to one side. You will not be happy, period.
Now the best reason to total your car, no new car dealer wants a trade in on a wreck unless they do the repair work. By boy's Toyota van was T-boned by a person that ran a red light. He took his van to the dealer where he bought it new. They took a month to repair it. Yep, boy wasn't happy with the repair. It wasn't perfect. Van was about a year old. Good thing the Dealer that did the repair work gave him full value on the repaired van. He traded it in. Good thing he traded it in, because no other new car Dealer wants a wreck. We have to sign a paper stating car hasn't been in an accident when we trade cars in.
My advice, let the insurance company have the wreck, take the money and go shopping for another set of wheels instead of being without transportation while yours is in the shop.
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