I was in a similar situation earlier this year although my was not totaled (not driveable though). I had full coverage and had MY insurance company pay the claim (minus my deductible). Eventually the other insurance company paid me back my deductible and my insurance co.
I needed the car fixed right away as you do.
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RobS
71 Demon, AlterK - 4 link GenIII hemi conversion
66 Rambler Classic Wagon, LS conversion -Scott's IFS/4bar-bagged
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