Does this car have a lot of aftermarket stuff on it? Insurance companies will be quick to tell you they don't owe for that stuff, but in settling a total loss, this needs to be considered whether they like it or not. I certainly wouldn't take a beating on this stuff in this type of loss. If this is the case, the amount of the settlement will need to be negotiated. Keep in mind that the amount 'invested' is not necessarily the value of the car.

If this is close to a bone stuck car, just let them have it. The cost to repair, not to mention the time involved just isn't worth it. If time is money, the cost of parting out something like this is more pain than profit.

If you are upside down in the car, this is not too much of a problem if your credit is good. The amount still owed can be rolled into the next car, or payment arrangements can be made with the lienholder.

Is there any pictures?