If your vehicle is repairable,
you are entitled to have it restored to its pre-accident
condition. You have the right to select your own repair
shop. You do not have to give your repair to the lowest
bidder.
Remember, we cannot declare your
car a “total loss.” Even if your vehicle
suffered unibody or frame damage, it is not automatically
determined to be a “total loss.” Your
insurance company will be part of the discussion to
determine whether or not the vehicle should be repaired.

If your vehicle is declared a “total
loss,” it means that it would cost more to repair
your car than to replace it with a similar car. It
may sound as though your car would have to suffer
some major damage in order for an insurance company
to total it, but it’s actually a function of
the car’s worth. For instance, minor damage
to a five year old car might result in totaling the
car, while major damage to a brand new car might not
result in a total loss.
If it is determined that you have
a “total loss,” you are entitled to receive
what it costs you to replace your car. In other words,
you have the right to be paid the full value of your
car plus all applicable sales tax and tile transfer
fees.
Your insurance company will arrange
for a salvage company to pick up your vehicle, and
arrange payment, if any, to the repair facility.