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I am not familiar with insurance rules in Oz, so I don't know how much help I can be.
That being said, yo can probably negotiate with the company should they want to total it. As well as maybe buy it for salvage value should they total it.
If you own it outright, I would think they would have to pay you the repair cost regardless of whether or not you repair it or they total it
BTW, Welcome to the forum and as they say, "It ain't real without pictures"
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2004 Boxster S 6 speed - DRL relay hack, Polaris AutoTop DIY
2004 996 Targa Tip
Instructor - San Diego region
2014 Porsche Performance Driving School
2020 BMW X3, 2013 Ram 1500, 2016 Cmax, 2004 F-150 "Big Red"
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