holy crap at first that makes me wanna:violent1: then :pukel: and maybe :crybaby: I hope you get it all sorted out, if the insurance company offers a payoff you have two choices: keep the car and take abit less; or surrender the car and take abit more money. personally I would choose number one because then you have parts to build another. hopefully you had an apraisal done before the accident if not you get blue book value