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Umm...isn't this illegal? The insurance company decided to fix it, any supplements are on them. If they approve the initial quote, they also accept that any supplements will need to be covered. They can't just decide its totalled...
I had a POS sentra...guy turned in front of me and i t boned him. His fault, insurance said ok to the 3200 dollar quote. Just under their threshold to fix it. Ended up with supplements being 6000...they covered it and I didn't have a salvage title. Don't let them screw you on this. Salvage title is going to harm you in the long run.
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