If you are in an accident make sure that your vehicle gets fixed correctly.  You want your vehicle to drive and feel as well or better than it did before you were in an accident.  You should not accept a report to fix your vehicle if having it declared “totaled” will be a better outcome.  Conversely you do not want a vehicle “totaled” if the payout will not buy you a similar replacement vehicle.  The insurance company is in the business of paying as little as possible.  You need an attorney who will fight for your right to receive the most for you.