Dart is totalled.. now what ?

Someone else said "fight it tooth and nail". I agree.

So many people in so many different business' at all levels expect others to not stand up for themselves. I see it first hand at work all of the time. And have had to deal with it from insurance companies. Threaten to get a lawyer untill you get the value of that car from them. Have a lawyer write a letter on their official letterhead....or if you know a secretary in a law office have one of them do it. Insurance companies in my experience have almost ZERO respect for customers or people in any way and give less than a rats ***. They respect money and lawyers. Its all a game, just have to play.

P.S.
I know only of one instance personally where an insurance company did the "right" thing.......insurance backed up my Grandpa on a fraudulent hit and run, they put up their own lawyers when he was personally sued by the plaintiff and layed the smack down for free.