Quote:
Originally Posted by kolhozbrothers
Definitely a total! Fight it all you want, insurance companies have power to decide on what they want to do.
You will have an option to buy it from them or through a salvage auction (usually with a dealer's license).
Besides estimating the damage, insurance companies also consider year and mileage.
Even if the damage is very small like a bent fender or bumper, they will total it if the car is old and has a lot of miles. There are many factors that contribute.
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Each US State has hundreds of laws that regulate how insurance companies can operate with in a state. The OP can go on line and educate himself on what the laws are that allow his insurance company to determine if the car is totaled. Each State has law that determines the formula, and law regarding salvage.
OP go educate yourself before you begin negotiation with the insurance company. Your car sadly, will be declared a total loss. The rear damage bent the unibody, which can be repaired, it's just more in cost than the car is worth. Also, with these cars, any replacement of the HID headlight is $1,300. Add a bumper cover and fender and it is $4,000 minimum.