It's a cluster right now. Part of me wants to tell the insurance company to pay me up to the point right before it's totaled and do all the work I can on it myself but the body shop is saying that there could be a lot more that they wouldn't know about until they pull everything out and strip it down to pretty much just the bare chassis and that I should just let it go. Definitely feel like I just got a slap to the face with the settlement amount.