Last winter I hit a deer and "totalled" my car. The car only worth about 3000 by nada and kbb books and 2000 by comparables on Craigslist.
When they called to settle they said the car was worth 3900. I asked how much to buy it. She said 300 and 100 for deductible.
So State Farm cut me a check for 3400 and change. I kept the car with a clean title. Brought it to work and pulled the frame back to spec. Had about 400 in parts and materials and sold the car for 2500.
I would buy it back. Aftermarket tj sheet metal is stupid cheap.