**Background** :
Here in CO we've had a few recent snow storms and sadly in those storms my great daily driver was hit while parked. Now the other parties insurance, AllState, has deemed my car a "total loss" because the repairs (only exterior) would be approx. $3000 (in all fairness it's much more than its value). This is my first experience with this kind of situation and I'm somewhat flabbergasted with how much the law's tilted to the insurance companies. I'm pretty stressed out because I've got a job that I have to drive to and a new one that I'm supposed to start at the end of May that's an even further commute, with soon to be no vehicle; I need a some help. I've been searching online for a clear bit of information as to my rights here in CO for this type of situation, but I haven't seen anything good and it's all so disparate. I guess I'm just feeling a bit helpless right now and reddit's always been good to me.  

**Current Situation** :
I'm in a rental car (since 4/22) and they'll pay until today (4/30). AllState is now offering me $1277 (vehicle) + $108 (taxes) + $7 (registration) = $1392 total for my vehicle *OR* $1277 - $136 = $1141 to buy back my vehicle (apparently it will still be dismembered though) which is probably still drivable as the damage is all exterior. The car is currently at a shop and I need to get back to AllState by Monday.  

What do I do to make the best of this situation?
user
Accident on 4/22. Insurance is giving me $1392 (vehicle) + $108 (taxes) + $7 (registration) = $1141
assistant
**Background** :
Here in CO we've had a few recent snow storms and sadly in those storms my great daily driver was hit while parked. Now the other parties insurance, AllState, has deemed my car a "total loss" because the repairs (only exterior) would be approx. $3000 (in all fairness it's much more than its value). This is my first experience with this kind of situation and I'm somewhat flabbergasted with how much the law's tilted to the insurance companies. I'm pretty stressed out because I've got a job that I have to drive to and a new one that I'm supposed to start at the end of May that's an even further commute, with soon to be no vehicle; I need a some help. I've been searching online for a clear bit of information as to my rights here in CO for this type of situation, but I haven't seen anything good and it's all so disparate. I guess I'm just feeling a bit helpless right now and reddit's always been good to me.  

**Current Situation** :
I'm in a rental car (since 4/22) and they'll pay until today (4/30). AllState is now offering me $1277 (vehicle) + $108 (taxes) + $7 (registration) = $1392 total for my vehicle *OR* $1277 - $136 = $1141 to buy back my vehicle (apparently it will still be dismembered though) which is probably still drivable as the damage is all exterior. The car is currently at a shop and I need to get back to AllState by Monday.  

What do I do to make the best of this situation?
user
Car is totaled and my insurance has no idea what's going on, what are my rights?
assistant