回複：回複：My experience

You can always choose to take the money and not repair or only partially repair your car, many people do, but the amount will probably be negotiated with the insurance company. Considering your car is rather old, you are not going to get much in the first place, and the insurance probably won't agree to restore it to 'pre-accident considiton. If the damage amount is great than 75% (I think) of the car's value, it'll be declared totalled, and the insurance will pay you whatever the market value of the car is.