So I've got a similiar problem. I was in an accident recently. I was rear ended by a high school senior girl who was probably texting cause she didn't see me until a car length and a half back which is when she slammed on brakes and went sideways into my back bumper/ quarter panel/ taillight/ frame. $3,300 later...
Ins companies generally total cars if the repair estimate is >50-75% of the car's value. Surprised they didn't total yours. Did they screw up the initial estimate on the low side?
Yeah they did. The total repairs came out to be 2,870 or somewhere around there. The first shop put the repairs at 3,300. My fault on the post but it was $200 away from being totaled. The problem with the tranny is getting fixed today but I have to pay for it. They said that two of my motor mounts are broken and it is not due to the wreck. Weird how it started happening as soon as I got it back from the shop though. Other peoples insurance will screw you everytime.