Can I fight an auto insurance company, to prevent my car from being declared a total loss, in California?



Its an older car but only has a small dent. I understand that its the value of the car vs their estimate of repairs that they are basing this on, but they didn't include options like A/C, cruise control, power door locks and power mirrors and others when figuring its worth. They instead based it on an average car in my area. When doing the math the difference between fixing the dent and totaling the car came out to $18.00. Clearly the addition of the options would have covered that spread in my favor. I want to fight this because I don't want to have a salvage title. I was not at fault and the other parties insurance has already sent me a check I have not cashed nor have I signed anything. I want to know what I can do. And if I am stuck with the total loss, do I have the right to recover for re-title and re-registration charges and smog fees that are going to add up to a few hundred out of my pocket since I am keeping the car. Thanks for taking the time to read my question.


BEST ANSWER: Help yourself - you can check your quotes in internet, for example here - http://WWW.SAVEFINDER.NET