Unfortunately, whether it's fair or not, the law makes clear that all you can recover when a vehicle is totaled is its then-current value (i.e. blue book value); you cannot recover for maintenance you performed on the vehicle.If you feel, based on make, model, year, mileage, options, etc. that you received too low a blue book value, you could, if necessary, sue your insurer for more.You could also sue the at-fault driver for unreimbursed out-of-pocket losss or costs incurred after the accident--e.g. rental, if you rented a car short term (or bus/train/cab fare, if that's how you got around); lost wages if you missed work; etc.