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Are you sure the insurance company won't total it? I believe that many will total a car if the damage is over 70% of the value of the car (sometimes it's less than that). And if the accident wasn't your fault (therefore not your insurance company), they may be more cooperative - the claim isn't settled until they cut you a check, and you cash it. They may also not know the extent of the damage until they start taking the car apart, and then realize there is frame damage, etc. Were it me, I'd push for the car to be totaled, and go look for another one.
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