Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, due to site reasons, oftentimes I am initially only able to see the first part of your post, so I apologize in advance if it means more interactions between us. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! At times, there can also be a delay of an hour or more in between my answers because I may be helping other customers or taking a break. That being said...
Not much. The insurance company has the right to determine if your car is repairable or if the cost of repair is such that the car is a total loss. Normally, the insurance company will repair a vehicle when the repair costs are up to 75% of the replacement cost. Some insurance companies use 80%, some 70%. Either way, it is an argument you probably cannot win.
If you want to find it, you can file a dispute with your state Dept. of Insurance. You can find them at www.naic.org.
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