Will Insurance Write Off My Car? 
If you have physical damage coverage on your insurance policy and the car is damaged in an accident , the company might declare the car a total loss . When the company does that they will offer to pay you the market value of the car minus the deductible . This is an offer which you can refuse and accept a lesser amount for repairs . If you are able to repair the car and continue the car in service that is an option you can take . You should be given a choice . 