my car got totalled today

[Wailer]

Lew Zealand wrote:

Just a door ding? Don't contact your Insurance Co., then.

If a party is negligent and commits a civil tort, the harmed party is entitled to compensatory damages, ie getting the door ding fixed or being compensated for the damage by the other party or their insurance. I would never get my insurance company involved where possible.

I just used this as a hypothetical. It makes sense that they should allow you to buy your car back after they give you a check for the blue book (BB) value. Obviously it should be for less than the BB value since the car is theoretically in worse condition.