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Do you have an "agreed value" policy, or are they going to use the KBB for valuation?
Do you have a standard policy or collector insurance?
Based upon 8K in damages it is likely they are going to total the car if you have any type of standard policy--but all is not lost.
If they go that route--take detailed photos of the damage for future use--find out what the buy-back amount is for the car--you can take the pay-out (if it is a reasonable number) buy-back the car with a salvage title (which will affect re-sale value down the road, but which is why you also want the photos of the damage for future use). Use a portion of the settlement to have the car repaired correctly, re-title it with a rebuilt title and drive the heck out of it. You are going to take a hit on resale value based upon the salvage/R-title, but any car which was in an accident is going to have it's value affected, regardless of the severity.
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Eric
83 911SC/83 944
bunch of Honda 750s
69 Chevrolet C-20 Longhorn (family heirloom)
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