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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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