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company will offer you a certain payout amount and take your car. You
also have the option of keeping the car and taking a slightly lower payout
amount. Usually about $800 to $1,000 less then the original offer. If you
want your wheels, and other goodies this would be the way to go,
otherwise they go with the car. (I suppose you could put some other
wheels on the car and remove other goodies before your agent shows up,
but you didn't hear that from me.)If you are able to fix your car, you can simply take it back to your agent
and they will reinsure it. (At least Allstate did for me. My "total" was a
hydrolock engine, so I was able to fix it). First step would be to see if it is indeed totalled. (unfortunately from your
description it sounds like the frame may be bent and the car won't be
salvagable as is, so you will either have to take the parts you want at the
lower payout value and then pay a tow truck to come haul the car away if
you don't have the time or space to part out other parts. Hope that helps.
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