Totaling your car may work out well for you. A car the age of yours will not have any change of title status if totaled by the ins. co. What you want is a high estimate by the adjuster and/or body shop. When the ins co. totals it, fight for max. payout/value, then buy the car back from them cheaply. Repair the car at a body shop of your choice. There will likely be a significant difference in the payout for the car and your actual repair costs - in your favor.
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