In a Very Short story...
You or Her Insurance Co is likely to "Total" the car.
The car will be owned by the I-Co If you sign off any doc.
Because that may seem small to fix by many but Body Shop will want way over $1000 for car worth maybe $2000-4000 in NADA and other "books."
Most Body Shops won't touch anything > ~ 20 or older cars because very hard to get good parts that doesn't need extra work to use it. Most don't go to junk yards either to find parts and most Yards don't have old cars to start with.
You could "Buy Back" the "Totaled" car but in many states you will get a Salvage Title and Very Hard to get that on the road again. Example: Many states require you to Pass a Special Inspection that need all doc's for parts etc because often involves State Police.
So If you're going to fix it... make sure you read everything any I-co puts in front of you and understand State Rules to Restore a Total.
Many "BuyBback" a "Total" and use as parts to fix another car w/ Clean Title because of above but must have place to keep it. HOA, City, County, etc, often have rules on parked cars even on private property, more so when car is disable or not tagged for any reason.
You could refuse to Total but often have other problems and may include HOA etc rules for disable cars.
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Dr. Ian Malcolm: Yeah, but your scientists were so preoccupied with whether or not they could, they didn't stop to think if they should.
(Jurassic Park)The Ogre's Fiero Cave[This message has been edited by theogre (edited 09-04-2022).]