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Considering the age/mileage...IF it were my car, I'd do some "comparable" research BEFORE calling the insurance company on what your car's retail value would be. THEN I'd call my insurance company and see what I can negotiate for a totaled payoff.
Unless your car was special, you might be able to find another good one to buy, with the insurance money, instead of the long process to repair yours. I'm not a DIY guy so I bit the bullet, get the insurance money and go shopping.
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