What price do insurance companies go by when they establish the value of our cars? NADA? Kelley Blue Book? If an insurance company declares a total loss does that mean I can either take the money and run but lose my car or I pay for the repair out of pocket but keep my vehicle? In the latter case, wouldn't that affect my insurance as technically they are now insuring a rebuilt-title as the car has been deemed as totaled (and therefore might choose not to insure the vehicle anymore in respect to collision insurance)?

If the insurance tells me my car is worth X amount of dollars, what can be done to argue the amount? Can I request for the insurance to find me a comparable Crossfire for that price, I can then purchase with the money they award me for my totaled vehicle?

To the op: I hate to say this but I honestly think your insurance will deem this a total loss. This sucks! Damage didn't look nearly as bad but I guess it's easy to ring up thousands of dollars in repair bills even in fender benders! Hoping for the best for you!!!