I am sorry to hear about your loss. I suggest that you contact your claims adjuster, if you haven't already, and explain your situation in detail. Also, you may consider speaking to the claims department supervisor. Ultimately, the insurance company has the final decision in how they choose to repair or replace your vehicle.

As you probably know, as soon as you leave the car dealership lot your vehicle depreciates. So even if they completely total your vehicle you will not get the full amount of what you paid for your vehicle.There is coverage you may purchase in the future that would allow you to collect the full amount.

It is called GAP insurance and it can provide valuable protection during the early years of your car's life. If a loss occurs (theft, total loss in a collision, etc.), GAP insurance will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan or lease.