have full coverage on it.? here are the numbers, i bought the car for $12,900. i put $2,500 down and paid only 1 month of $350 for it before i crashed it so i still owe around $10,000. They said the damages are around $7,000 and the blue book value is $12,980 on retail value and its in excellent condition. so is the insurance messing with me because also i might find someone that can fix it cheaper. please help me out is it considered totaled by the numbers i put and if not what do i tell the insurance.