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@mariusv What r/CanderousGordo82 said is right. They are "guaranteeing the repairs" and they can choose to make you whole in the most cost effective manner. In this case, totaling the car is cheaper (more cost effective) than fixing what sounds like a systemic rust issue. I am sure this (their...

@jay1969 Guess that must be a state by state or insurance company by insurance company type deal. Good to know!

@sarahcalendar Well, you're close to a total loss, but not quite close enough. Given it was a deer, there's probably not a lot of hidden damage, but there might be some hidden damages. I'd take it to a shop you insurance company recommends because if they can total it, then there won't be any...

@maria84 Whoa, so your car is not drivable? If it is drivable, pick your car up from the shop and return the rental. You'll only get reimbursed reasonable rental charges. It is your duty to mitigate your damages regardless of which insurance company pays. Once liability and coverage is sorted...

@edm1 This is normal if you were served papers. Since the person you hit hired a lawyer and filed suit (to extend out the statute of limitations), they must have sued you the driver and as part of your policy, they will defend you in case you were sued (which, whether you realize it or not...

@edm1 Is this witness someone you know? Or independent? Their statement to insurance company will matter. If they know you, however, their statement isn't generally considered, but their photos would be, for sure.

@edm1 Did you take any photos (that you still have) at the time from the scene of the accident? If you can prove that the damages at the time were super minor with no damage to her vehicle outside of the bike rack, your insurance company could deny her for causation. Did you ever get your...

@hepzibah12 OP, are you in the US and do you have a loan on the car? Most, if not all lienholders will require Comp and Collision on your policy. If it is paid off and you have the title, I guess you're at Kemper's mercy and hope that they do not have state minimums. Also, if your vehicle is at...

@emmalove So long as you put the parts back on the car and you advise the insurance company that the transmission and any other part that doesn't work, doesn't work, do what you will, but be completely transparent and honest; however, you don't sound like the type. :(

@emmalove What you are proposing is illegal and fraudulent. I've had customers take off aftermarket parts and replace with stock and then they only get credit for stock, but also, the parts have to be on the vehicle as intended and not shoved in the trunk. Also, a transmission that works could...

@emmalove You get the higher value minus the salvage value if you choose to keep it. You do not get the higher value if you strip the car of the improved or Aftermarket parts and let the insurance company take it. Also, if you remove a transmission and do not replace it with a working...

@dansswing If you want it all to look identical, you are always free to pay for 2/3 of a new roof.