First, to collect anything from your insurance company, you will need to have "comprehensive" coverage. This will cover damage to your car if it is stolen; or damaged by flood, fire, or animals. It will pay to fix your vehicle less the deductible you choose. Now, you can try to negotiate with your insurance company. But, in general, your insurance company will pay the lessor amount to either "total" your vehicle or have the damage fixed. You can follow this link to learn about car insurance basics like "comprehensive" coverage.