I had to buy my car back from State farm . They valued the car higher then what I had it insured for. I had it insured for $25,000. The buy back was $9800 with their calculations,. There was not a body part usable except the doors. The buy back price was ridiculous. But I wanted my car back with a clean title. So I had to take 80% of its insured value and then still buy it back as if it were totaled. I walked away with $15,200 and my car.
One thing I learned is never insure it for less than its appraised value. And have it reappraised every year. Because they will make you pay a % of what they appraise the car for at the time of the accident if you want it back. Once you wreck it they own it unless you make a deal like I did to keep it. My experience with State Farm did not go well.