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    Somewhere out there on that horizon ........

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  1. If that 10.8 value is correct it will not be totaled. The insurer will track down the lowest cost used parts up to and including the frame/chassis for repair. Looks like 6k. But then again we are not seeing hidden damage. That changes the whole game. So this entire exercise is moot. If they do repair it your best bet is demanding diminished value. A 10.8k car with 6k in repairs is no longer worth 10.8 Look into your state laws regarding diminished value if your car is repaired. Would be a good idea to let the insurer know you are aware of diminished before they tell you how they want "fix" this.