Auto Insurance Claims: Dont want the car totalled., collision coverage, insurance company

Question
I rear ended someone today but I love my car and don't want it totaled. I have collision coverage for my car.  I'm willing to pay for some of the repair out of my pocket.  Will the insurance company agree to pay only part of the repair and not total it or if I agree to not get a few things repaired so they don't have to total it. And what kind of consequences will this have.

Answer
Hi Atif,

It has been my experience with the insurance industtry is that they don't want future problems. In fact, they had a saying "When in doubt, wash it out."

There have been far to many times I have experienced in which the customer promised too be happy with the repair and not have any complaints because they wanted to keep the car. Once the car was fixed, they would change their mind.
I do not know how your company will handle the claim, but for the most part in these situations, I have seen it rather common to total the car and be done with it.

Rob