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 如果你的車被撞壞了，告訴你的保險公司在市場上找三輛類似的車，以他們提供的金額爲準。你不必接受他們的第一個報價，也不必同意修理一輛往往不應該修理的汽車。