[transmaro93]

well i just read this over quick... car looks repairable but i dont know the value of it and im sure parts are through the roof for that car being its a mini and thats means bmw.I will say that usually when the write cars on the street they write them low so if he wrote it that close to total without tearing it apart they are probably assuming there will be more damage that you cant see from the outside. And the salvage is probably really good on that car and thats why the buy back is so high and also why they are more willing to total it out then repair it. If the other guys insurance is only good for 10k (which is ******** and shouldnt be legal) then i think your doing the right thing buy going through your insurance and paying the deductable and letting the insurance company worry about going after the other guy. If your company doenst total it right as it sits. it will go to a body shop (of your choice or they will point you in a direction but ultimatly the choice is yours where your car gets fixed) and get torn down and a full correct estimate will be done at which point the car will either total or it wont and the adjuster will come back out to look the car over and the shops estimate to make sure its all legit... hope this helps... i work for a body shop and see and deal with this stuff on a weekly basis... good luck to you and on the bright side no one got hurt...