similar situation here, however Geico GAVE me the CHOICE to total it or repair it.. they deemed it a value at 8900.. I paid 5800 for my vx.. the repair shop quoted 5000 to fix.. repair & replace some parts.. I chose to fix.. because I can.. You can have it fixed, find another 3 mechanics, get 3 different quotes.. tell them what you want to accomplish.. if you want to total it, do so.. insurance co will cut you a check for the "deemed value" like 8 grand.. and you buy another.. OR you fix for the lowest bidding mechanic.. I just got a check from Geico for 4 grand, I get another check today from Geico for another 1800 bucks.. geico deems repairs over 79% of the deemed value a total loss.. mine comes under that 79 percent.. I fix mine for about 2 grand, and keep the change.. if you total it, they tow it away and issue a certificate of destruction.. and hand you a check to buy another.. it should be your choice.. get more estimates.. I got 4.. the highest being 7200 to fix.. 4500 from another place.. but I can get my parts all by myself and do the minor mechanical work cheap elsewhere.. for about 2 grand..