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Old 10-26-2012, 06:30 AM   #4
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Join Date: Jun 2006
Location: New Jersey
Posts: 441
My Ride: 325iT 5 speed/Sport
One possibility. The car is totaled. Then you buy it back for like $3000, put some of the insurance money into fixing it with salvage/used parts. You'll be pocketing some money, but driving a car with a salvage title.
But it's between you and the adjuster at this point, but you should think about a best case scenario--a big payout/fixing the car, non totaled/buying it back as salvage--and work toward that goal.
I'd suggest the NOVA's Ask an Insurance Adjuster Anything thread. Helped me hugely when my touring was totaled.
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