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Insurance wants to total my car?

So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. The insurance guy came and just got a call back saying that they want to total my car and pay for it. The car is a black 2002 jetta 1.8 turbo from a small local dealer and has 140,000 miles. Im currently still paying it off and the car cost me $6000. Here is my concern, they haven't told me how much they plan to give me for my jetta but i went on craigslist and the average cost for a 2002 jetta 1.8t is around what i paid from $5000-$6000, will the insurance give me that amount because bluebook says my car is worth at most around $3400 in excelent condition and at retail value according to bluebook is around $4500. All I'm concern with is either my car is restore to the point before the accident or if they get me enough money to buy a new jetta of equal or greater quality. Restoring my car car i guess is not and option which I'm ok with but what if the amount they give me is not enough to go buy a new jetta from a small local dealer will they give me more money or how does this whole process work because I've never been in this situation.

   








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Insurance wants to total my car?
So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. The insurance guy came and just got a call back saying that they want to total my car and pay for it. The car is a black 2002 jetta 1.8 turbo from a small local dealer and has 140,000 miles. Im currently still paying it off and the car cost me $6000. Here is my concern, they haven't told me how much they plan to give me for my jetta but i went on craigslist and the average cost for a 2002 jetta 1.8t is around what i paid from $5000-$6000, will the insurance give me that amount because bluebook says my car is worth at most around $3400 in excelent condition and at retail value according to bluebook is around $4500. All I'm concern with is either my car is restore to the point before the accident or if they get me enough money to buy a new jetta of equal or greater quality. Restoring my car car i guess is not and option which I'm ok with but what if the amount they give me is not enough to go buy a new jetta from a small local dealer will they give me more money or how does this whole process work because I've never been in this situation.


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Insurance wants to total my car?
So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. The insurance guy came and just got a call back saying that they want to total my car and pay for it. The car is a black 2002 jetta 1.8 turbo from a small local dealer and has 140,000 miles. Im currently still paying it off and the car cost me $6000. Here is my concern, they haven't told me how much they plan to give me for my jetta but i went on craigslist and the average cost for a 2002 jetta 1.8t is around what i paid from $5000-$6000, will the insurance give me that amount because bluebook says my car is worth at most around $3400 in excelent condition and at retail value according to bluebook is around $4500. All I'm concern with is either my car is restore to the point before the accident or if they get me enough money to buy a new jetta of equal or greater quality. Restoring my car car i guess is not and option which I'm ok with but what if the amount they give me is not enough to go buy a new jetta from a small local dealer will they give me more money or how does this whole process work because I've never been in this situation.


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Insurance wants to total my car?
So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. The insurance guy came and just got a call back saying that they want to total my car and pay for it. The car is a black 2002 jetta 1.8 turbo from a small local dealer and has 140,000 miles. Im currently still paying it off and the car cost me $6000. Here is my concern, they haven't told me how much they plan to give me for my jetta but i went on craigslist and the average cost for a 2002 jetta 1.8t is around what i paid from $5000-$6000, will the insurance give me that amount because bluebook says my car is worth at most around $3400 in excelent condition and at retail value according to bluebook is around $4500. All I'm concern with is either my car is restore to the point before the accident or if they get me enough money to buy a new jetta of equal or greater quality. Restoring my car car i guess is not and option which I'm ok with but what if the amount they give me is not enough to go buy a new jetta from a small local dealer will they give me more money or how does this whole process work because I've never been in this situation.