2006 BMW x5 just declared totalled due to alleged engine freeze from oil pan leak

If a car is considered a total loss by the insurance company the Kelly Blue Book is one tool used to determine its value. The insurance company can also use other books and local ads. The offer from the insurance company will include the deductible you have for collision coverage. If you feel the offer is too low, you must prove the value of your car by using similar sources. Records of the maintenance of the car can also help in increasing the value of your car. You can also argue the fact that the overall value of the car is higher in an attempt to have them repair the car rather than call it a total loss.You can also buy back the car for the salvage value given by the insurance company and then repair the car yourself. The title will be adjusted to show it is a salvage vehicle, but you should be able to continue insurance on it. However, the overall value of the car will be reduced since it is a salvaged vehicle.