Dude that sucks. My damage was estimated at $23000. Insuracnce said car was worth $9500. I disagreed with that didn't help.I had to hire a lawyer and I was able to get $10000 and not have to buy the car back.:) I had an option to have the insurance company buy it as salvage for $675. I kept the car and all my mods. I don't know if this helped at all. Frank