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My vehicle was declared totaled, what are my options?

I was hit in the side of my cross over SUV by a car. It mainly hit the wheel and damaged the breaks and dented some of the rear door. It was completely drive able and fixeable. They deemed it totaled based on the cost of the repair versus the estimated value of the vehicle.

Here's my big dilemma, I owe on the vehicle and I owe more then what it's currently worth. What are my options? Can I demand my vehicle back? Am I able to ask them to fix just the breaks and leave the door? I have never made an insurance claim before.

Can I sue the driver that ran a stop sign? I live in a no fault state. Thanks in advance for any help you guys can give me.



Submitted December 29, 2017 at 03:09AM by emt_Joe77 http://ift.tt/2pXJx5V
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