That's totaled??
I don't know all the ins and outs of auto insurance (that's an understatement), but I had an 'incident' a few years ago...
Yeah, my bad. I was at a stop, tired of waiting, looking to turn right, trying to 'time' a spot in pretty heavy traffic (from the left) that I could speed into. HA! Found one! The space—it was narrow but acceptable—required some pretty decent acceleration on my part. Punched it, turned my head and...discovered the pickup in front of me had stopped, mere feet in front of me. The Boxster's prodigious braking capabilities did me no good with zippo time to react..
My insurance, USAA, first indicated there was a good chance it would be totaled. This is an '01 S which, at that time, had maybe 90K on the odometer. Like yours, there was zero structural/suspension damage. All 'cosmetic' which, unfortunately, included R/R of one pricey headlight. And that was at a time that used Boxsters were selling below where they are now.
Anyway, ultimately, insurance came through and it was nicely repaired. Still cranking along with 108K now.
It may be tougher dealing with a 3rd party insurance situation, I don't know. I'd been with USAA for decades, so that probably didn't hurt either. But, without the headlight involvement, your damage looks relatively slight compared with what I had. Give 'em hell, see what happens
