[Seattle S65B40]

One time, in my E46 325xi, i was driving around in an empty parking lot, leaving work late at night. I had just gotten my tints put on and wasn't used to the decreased visibility. I was in the midst of a fully-locked turn to head the other way and exit the parking lot when I crashed into a parked car that I did not see. the force of the impact was sustained only by the front left wheel - it pushed it in pretty bad and I needed a host of repairs.

EVEN WITH AWD, the repairs were not more than $5000. I think you should definitely have the car towed to another place and see what they say. It might be worth it in the long run. Then again, if the goal is to have it totaled, stay where you are. once the ins co says no go to totaling, then mitigate repair costs and get another opinion for sure.