I had Liability only and I removed Underinsured since I never had an issue for over 15 years
I just want to get $5k as a repair bill (I fixed it with junkyard parts by myself. Car is good to go)
I just spoke to the supervisor and he is telling me completely different story.
The adjustor has been telling me they had to total it since the repair bill plus salvage value is greater than the threshold.
I pointed out the math isn't correct and the supervisor told me they decided to total it because of Constructive Total Loss.
I explained to him there is no frame damage and car is fine to drive.
(on repair estimate, they recommended to replace a strut, control arm, knuckle and hub assembly but I fixed it by replacing only a strut and control arm)
At this point, I will have to wait to hear from a total loss specialist.