YSK If your car is totaled, tell your insurance company to find 3 similar vehicles in the market for the amount of $ they're offering. You do NOT have to accept their first offer or agree to repair a car which often times SHOULD NOT be repaired.
from /r/YouShouldKnow
YSK 如果你的车被撞坏了，告诉你的保险公司在市场上找三辆类似的车，以他们提供的金额为准。你不必接受他们的第一个报价，也不必同意修理一辆往往不应该修理的汽车。