The whole intent is for you to be made whole less your deductible. The Ins company should automatically do that..... but they tend to make errors in their favor.
I had a 9 yr old one ton dodge/cummins catch fire.... had to fight them for 6 months before they got in the real world with their settlement. a 5k swing.
Do your homework.... will their be a negative car fax on your car? then it's worth less no matter how well a repair is executed.
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 2009 silver sport, 6MT touring and nav, 8700 miles when I got it, "almost" a daily driver now... bone stock aside from tint and Gemini CBE, PC'd Rays black stardust and running 275/295 DWS rubber
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