I once had a car declared totaled on my birthday when I could ill afford it; I fervently pray you are spared that outcome! That it's drivable is a good sign.
Do you remember my old Pontiac Catalina? An insurance company totalled that for $700 worth of body damage when it still ran fine and steered as well as it ever had. I'm pretty sure the age of my car matters more than the fact that it's still drivable. So I'm just hoping the damage costs less than the insurance company thinks it can get away with claiming my car is worth.
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