Almost totaled -- what to do when cost of repairs are just shy car value

1. Contact your insurance company.

- Most insurance companies have a policy that will pay for the cost of repairs, even if they exceed the car's value. However, you may have to pay a deductible.

2. Get estimates from several body shops.

- This will give you a good idea of the cost of repairs and help you make an informed decision about whether or not to repair the car.

3. Consider the resale value of the car.

- If the cost of repairs is close to the car's value, you may want to consider selling the car instead. You may be able to get more money for the car if you sell it yourself, rather than trading it in.

4. Think about your needs and budget.

- If you need the car for transportation and can afford the repairs, it may make sense to have it fixed. However, if you are on a tight budget or do not need the car, you may want to consider selling it or scrapping it.

5. Make the best decision for you.

- Weigh all the facts and make the best decision for you. There is no one right answer, as the best course of action will vary depending on your circumstances.