hopefully they don't total it

[Insuranceman]

Have you told them that you are OK with the $6288 figure? Don't! I help people with claims all the time. Think about it this way...You are buying a car in reverse. Ask them how they are coming up with that figure. Make them show you the numbers and make sure all of the options on the car etc. I can almost always get the numbers up 1000-1500 for people. And tell them that you are not going to settle the property damage portion of the claim for that amount. Unless you are OK with it? If they tell you that they use NADA, or they don't they use a black book...make them show you the valuation and go through it. Normally if you can get an insurance company to offer you High Trade - to mid private party values you have done well. I have helped a lot of people with these types of claims and 9 times out of 10 the company always starts lower and you can get them up. There are some companies that are more difficult than others. Another option is always to call your own company if you have full coverage to see what they would offer you for the car in a total loss situation and let them subrogate the loss. I just helped a customer with this yesterday we got him $3,000 more than the other company was going to pay him for the car.

Good luck and real sorry to hear about the accident...glad you are not seriously hurt.

*EDIT Actually after looking at the values on that car that might not be a bad offer at all.