Like Itoldyouso said--tell the company to find you a comparable vechicle. My wife had an accident about 6 years ago, her fault. Her Cherokee had minor front end damage, popped the air bags, a fully loaded car with all the features, 4 years old with 28k on the odometer, paid off and well maintained and clean. Insurance company were going to total it and offered about $14k as a payoff on a car that if traded in, pre-accident, would have brought about 16-18k. Anyway long story short we held out after getting 5 bids on repair costs and the company, Progressive , finaaly,upped the payout to $17.5, and then cancelled my wifes policy.