Originally Posted by RGS
some more info.
first shop was my choice. they did a small teardown and found what he believed to be a structural total. insurance disagrees says they believe it is safe to repair and the $35k estimate is not enough to total would need to be in the high $40-50k range to total.
it doesn't make sense this car has a pretty high salvage value why not total it sell it pay me the value and only pay out about 20k for this claim instead of 30-40k
Totaling a car costs the insurance company more money than to fix it. If the adjuster deems it safe to repair, not much you can do except see how much you can fight and see if they change their tune.